Southern Lending Services in Texas vs the state
0.4%Denial rate-19.02 pts vs state
0.5%Decision denial rate-24.41 pts vs state
84.7%Origination rate+29.77 pts vs state
5.75%Median rate-0.75 pts vs state
-0.81Rate spread (pts)-1.00 pts vs state
$171kMedian applicant income
204Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 281 | 203 | 0.4% | 4.99% | #330 |
| 2024 | 249 | 211 | 0.4% | 5.99% | #357 |
| 2025 | 241 | 204 | 0.4% | 5.75% | #381 |
What Southern Lending Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southern Lending Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 95 | 83 | 0 | 0.0% |
| Bexar County | 50 | 37 | 0 | 0.0% |
| Comal County | 26 | 23 | 0 | 0.0% |
| Bastrop County | 16 | 15 | 0 | 0.0% |
| Guadalupe County | 16 | 12 | 0 | 0.0% |
| Hays County | 12 | 11 | 0 | 0.0% |
| Kendall County | 10 | 8 | 0 | 0.0% |
| Denton County | 9 | 8 | 1 | 11.1% |
| Travis County | 7 | 7 | 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: 241 applications in 2025, of which 204 were originated and 1 denied.
0.4% of all applications, or 0.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southern Lending Services originated in Texas in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Southern Lending Services'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