Sierra Pacific Mortgage Company in Texas vs the state
4.8%Denial rate-14.60 pts vs state
6.2%Decision denial rate-18.74 pts vs state
71.3%Origination rate+16.38 pts vs state
6.63%Median rate+0.13 pts vs state
0.24Rate spread (pts)+0.05 pts vs state
$131kMedian applicant income
605Loans originated
41Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 98 | 16.3% | 6.88% | #500 |
| 2024 | 750 | 560 | 9.5% | 6.63% | #198 |
| 2025 | 849 | 605 | 4.8% | 6.63% | #185 |
What Sierra Pacific Mortgage Company lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 113 | 84 | 8 | 7.1% |
| Harris County | 104 | 84 | 3 | 2.9% |
| Denton County | 80 | 52 | 3 | 3.8% |
| Collin County | 66 | 50 | 1 | 1.5% |
| Dallas County | 63 | 46 | 1 | 1.6% |
| El Paso County | 48 | 34 | 0 | 0.0% |
| Montgomery County | 41 | 28 | 1 | 2.4% |
| Galveston County | 25 | 18 | 3 | 12.0% |
| Williamson County | 22 | 16 | 0 | 0.0% |
| Bexar County | 19 | 10 | 4 | 21.1% |
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: 849 applications in 2025, of which 605 were originated and 41 denied.
4.8% of all applications, or 6.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Sierra Pacific Mortgage Company originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Sierra Pacific Mortgage Company'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