Royal United Mortgage in Texas vs the state
26.9%Denial rate+7.51 pts vs state
32.8%Decision denial rate+7.86 pts vs state
52.9%Origination rate-1.96 pts vs state
6.88%Median rate+0.38 pts vs state
1.18Rate spread (pts)+0.98 pts vs state
$57kMedian applicant income
943Loans originated
480Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,545 | 883 | 27.6% | 7.00% | #111 |
| 2024 | 1,955 | 1,105 | 27.7% | 6.88% | #95 |
| 2025 | 1,782 | 943 | 26.9% | 6.88% | #113 |
What Royal United Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 217 | 103 | 67 | 30.9% |
| Bexar County | 142 | 61 | 52 | 36.6% |
| Dallas County | 107 | 63 | 27 | 25.2% |
| Tarrant County | 106 | 63 | 16 | 15.1% |
| El Paso County | 65 | 39 | 13 | 20.0% |
| Montgomery County | 46 | 24 | 16 | 34.8% |
| Travis County | 38 | 24 | 8 | 21.1% |
| Bell County | 37 | 22 | 8 | 21.6% |
| Hidalgo County | 37 | 24 | 7 | 18.9% |
| Williamson County | 37 | 18 | 6 | 16.2% |
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: 1,782 applications in 2025, of which 943 were originated and 480 denied.
26.9% of all applications, or 32.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Royal United Mortgage originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Royal United 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