Right Start Mortgage in Texas vs the state
8.1%Denial rate-11.31 pts vs state
10.7%Decision denial rate-14.16 pts vs state
67.3%Origination rate+12.45 pts vs state
6.63%Median rate+0.13 pts vs state
0.67Rate spread (pts)+0.48 pts vs state
$96kMedian applicant income
1,923Loans originated
232Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 44 | 9.7% | 7.12% | #627 |
| 2024 | 2,275 | 1,650 | 5.5% | 6.75% | #82 |
| 2025 | 2,856 | 1,923 | 8.1% | 6.63% | #67 |
What Right Start Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 480 | 306 | 36 | 7.5% |
| Hidalgo County | 347 | 248 | 36 | 10.4% |
| Randall County | 177 | 132 | 4 | 2.3% |
| Harris County | 127 | 75 | 14 | 11.0% |
| Ector County | 124 | 89 | 3 | 2.4% |
| Angelina County | 106 | 78 | 6 | 5.7% |
| Dallas County | 101 | 59 | 6 | 5.9% |
| Tarrant County | 89 | 61 | 10 | 11.2% |
| Potter County | 88 | 62 | 4 | 4.5% |
| Denton County | 78 | 58 | 3 | 3.8% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,856 applications in 2025, of which 1,923 were originated and 232 denied.
8.1% of all applications, or 10.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Right Start Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Right Start Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology