Southwest Stage Funding in Texas vs the state
11.1%Denial rate-8.35 pts vs state
18.4%Decision denial rate-6.51 pts vs state
27.3%Origination rate-27.62 pts vs state
8.20%Median rate+1.70 pts vs state
2.20Rate spread (pts)+2.00 pts vs state
$78kMedian applicant income
748Loans originated
304Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,705 | 899 | 39.8% | 8.50% | #103 |
| 2024 | 1,309 | 574 | 17.9% | 8.40% | #134 |
| 2025 | 2,744 | 748 | 11.1% | 8.20% | #72 |
What Southwest Stage Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 96 | 22 | 9 | 9.4% |
| Liberty County | 89 | 19 | 9 | 10.1% |
| Bastrop County | 75 | 23 | 12 | 16.0% |
| Bexar County | 58 | 16 | 8 | 13.8% |
| Henderson County | 55 | 15 | 5 | 9.1% |
| Ector County | 53 | 10 | 7 | 13.2% |
| Grayson County | 52 | 13 | 5 | 9.6% |
| Caldwell County | 50 | 13 | 5 | 10.0% |
| Harris County | 44 | 4 | 7 | 15.9% |
| Harrison County | 42 | 19 | 2 | 4.8% |
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: 2,744 applications in 2025, of which 748 were originated and 304 denied.
11.1% of all applications, or 18.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southwest Stage Funding originated in Texas in 2025 was 8.20%, against a statewide median of 6.50%.
About this data. Figures are Southwest Stage Funding'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