The Mortgage Link in Texas vs the state
0.9%Denial rate-18.54 pts vs state
1.1%Decision denial rate-23.83 pts vs state
73.3%Origination rate+18.37 pts vs state
6.63%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.34 pts vs state
$102kMedian applicant income
660Loans originated
8Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 768 | 555 | 1.4% | 6.75% | #195 |
| 2024 | 1,070 | 813 | 1.9% | 6.63% | #159 |
| 2025 | 901 | 660 | 0.9% | 6.63% | #179 |
What The Mortgage Link lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The Mortgage Link applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 186 | 139 | 1 | 0.5% |
| Tarrant County | 81 | 61 | 0 | 0.0% |
| Denton County | 76 | 55 | 0 | 0.0% |
| Collin County | 56 | 40 | 0 | 0.0% |
| Midland County | 53 | 47 | 0 | 0.0% |
| Ector County | 39 | 32 | 0 | 0.0% |
| El Paso County | 33 | 15 | 5 | 15.2% |
| Lubbock County | 30 | 26 | 0 | 0.0% |
| Randall County | 30 | 22 | 0 | 0.0% |
| Ellis County | 24 | 16 | 1 | 4.2% |
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: 901 applications in 2025, of which 660 were originated and 8 denied.
0.9% of all applications, or 1.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans The Mortgage Link originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are The Mortgage Link'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