Texans in Texas vs the state
47.0%Denial rate+27.58 pts vs state
57.9%Decision denial rate+32.99 pts vs state
26.3%Origination rate-28.56 pts vs state
6.67%Median rate+0.17 pts vs state
0.27Rate spread (pts)+0.08 pts vs state
$150kMedian applicant income
378Loans originated
675Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,769 | 457 | 48.3% | 7.25% | #95 |
| 2024 | 1,312 | 320 | 44.6% | 7.15% | #133 |
| 2025 | 1,436 | 378 | 47.0% | 6.67% | #135 |
What Texans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 508 | 152 | 211 | 41.5% |
| Dallas County | 370 | 91 | 190 | 51.4% |
| Denton County | 204 | 66 | 83 | 40.7% |
| Tarrant County | 47 | 7 | 26 | 55.3% |
| Rockwall County | 39 | 11 | 14 | 35.9% |
| Harris County | 36 | 5 | 27 | 75.0% |
| Grayson County | 33 | 10 | 13 | 39.4% |
| Kaufman County | 18 | 7 | 6 | 33.3% |
| Fort Bend County | 16 | 4 | 7 | 43.8% |
| Hunt County | 14 | 3 | 10 | 71.4% |
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: 1,436 applications in 2025, of which 378 were originated and 675 denied.
47.0% of all applications, or 57.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texans originated in Texas in 2025 was 6.67%, against a statewide median of 6.50%.
About this data. Figures are Texans'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