Rocky Mountain Mortgage in Texas vs the state
18.6%Denial rate-0.88 pts vs state
24.1%Decision denial rate-0.79 pts vs state
58.4%Origination rate+3.51 pts vs state
5.68%Median rate-0.83 pts vs state
-0.54Rate spread (pts)-0.73 pts vs state
$96kMedian applicant income
724Loans originated
230Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 928 | 341 | 18.5% | 6.49% | #162 |
| 2024 | 962 | 451 | 20.7% | 5.90% | #170 |
| 2025 | 1,240 | 724 | 18.6% | 5.68% | #151 |
What Rocky Mountain Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Rocky Mountain Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 848 | 716 | 39 | 4.6% |
| Harris County | 1 | 0 | 1 | 100.0% |
| Hidalgo County | 1 | 1 | 0 | 0.0% |
| Travis County | 1 | 1 | 0 | 0.0% |
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: 1,240 applications in 2025, of which 724 were originated and 230 denied.
18.6% of all applications, or 24.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Rocky Mountain Mortgage originated in Texas in 2025 was 5.68%, against a statewide median of 6.50%.
About this data. Figures are Rocky Mountain 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