Sfmc in Texas vs the state
4.6%Denial rate-14.85 pts vs state
5.4%Decision denial rate-19.51 pts vs state
69.0%Origination rate+14.15 pts vs state
6.13%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.13 pts vs state
$133kMedian applicant income
2,983Loans originated
198Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,711 | 2,550 | 5.3% | 6.63% | #49 |
| 2024 | 4,784 | 3,423 | 4.9% | 6.62% | #36 |
| 2025 | 4,321 | 2,983 | 4.6% | 6.13% | #44 |
What Sfmc lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Sfmc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 609 | 438 | 26 | 4.3% |
| Tarrant County | 545 | 382 | 25 | 4.6% |
| Denton County | 330 | 217 | 14 | 4.2% |
| Dallas County | 316 | 211 | 18 | 5.7% |
| Johnson County | 295 | 229 | 7 | 2.4% |
| Parker County | 242 | 182 | 6 | 2.5% |
| Ellis County | 217 | 166 | 3 | 1.4% |
| Harris County | 181 | 107 | 15 | 8.3% |
| Williamson County | 135 | 97 | 6 | 4.4% |
| Kaufman County | 127 | 94 | 3 | 2.4% |
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: 4,321 applications in 2025, of which 2,983 were originated and 198 denied.
4.6% of all applications, or 5.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Sfmc originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Sfmc'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