Texas Mortgage Lending in Texas vs the state
13.4%Denial rate-6.03 pts vs state
20.1%Decision denial rate-4.84 pts vs state
49.4%Origination rate-5.45 pts vs state
6.50%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.09 pts vs state
$135kMedian applicant income
520Loans originated
141Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,078 | 485 | 12.6% | 6.60% | #144 |
| 2024 | 1,041 | 490 | 14.4% | 6.63% | #160 |
| 2025 | 1,052 | 520 | 13.4% | 6.50% | #167 |
What Texas Mortgage Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texas Mortgage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 258 | 114 | 45 | 17.4% |
| Collin County | 153 | 81 | 16 | 10.5% |
| Denton County | 105 | 50 | 16 | 15.2% |
| Tarrant County | 76 | 43 | 4 | 5.3% |
| Travis County | 57 | 24 | 4 | 7.0% |
| Smith County | 36 | 20 | 2 | 5.6% |
| Williamson County | 36 | 19 | 3 | 8.3% |
| Lamar County | 25 | 11 | 4 | 16.0% |
| Kaufman County | 23 | 11 | 4 | 17.4% |
| Rockwall County | 21 | 16 | 3 | 14.3% |
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: 1,052 applications in 2025, of which 520 were originated and 141 denied.
13.4% of all applications, or 20.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texas Mortgage Lending originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Texas Mortgage Lending'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