Tomo Mortgage in Texas vs the state
6.6%Denial rate-12.85 pts vs state
14.0%Decision denial rate-10.91 pts vs state
40.0%Origination rate-14.88 pts vs state
6.13%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.34 pts vs state
$171kMedian applicant income
456Loans originated
75Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 95 | 5.5% | 6.50% | #482 |
| 2024 | 343 | 159 | 3.5% | 6.50% | #303 |
| 2025 | 1,140 | 456 | 6.6% | 6.13% | #161 |
What Tomo Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 208 | 75 | 11 | 5.3% |
| Collin County | 123 | 51 | 12 | 9.8% |
| Travis County | 97 | 39 | 9 | 9.3% |
| Denton County | 95 | 39 | 7 | 7.4% |
| Dallas County | 78 | 25 | 5 | 6.4% |
| Tarrant County | 76 | 35 | 0 | 0.0% |
| Williamson County | 71 | 28 | 5 | 7.0% |
| Fort Bend County | 60 | 23 | 3 | 5.0% |
| Bexar County | 52 | 19 | 2 | 3.8% |
| Montgomery County | 28 | 13 | 2 | 7.1% |
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: 1,140 applications in 2025, of which 456 were originated and 75 denied.
6.6% of all applications, or 14.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Tomo Mortgage originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Tomo Mortgage'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