Traditional Mortgage Acceptance in Texas vs the state
11.9%Denial rate-7.51 pts vs state
13.7%Decision denial rate-11.16 pts vs state
72.9%Origination rate+17.97 pts vs state
6.00%Median rate-0.50 pts vs state
—Rate spread (pts)
$32kMedian applicant income
110Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 51 | 13.8% | 7.55% | #603 |
| 2024 | 168 | 113 | 19.1% | 6.63% | #440 |
| 2025 | 151 | 110 | 11.9% | 6.00% | #473 |
What Traditional Mortgage Acceptance lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 19 | 12 | 3 | 15.8% |
| Tarrant County | 17 | 14 | 0 | 0.0% |
| Bexar County | 16 | 12 | 2 | 12.5% |
| Harris County | 15 | 11 | 2 | 13.3% |
| Denton County | 6 | 6 | 0 | 0.0% |
| Fort Bend County | 6 | 5 | 1 | 16.7% |
| Montgomery County | 5 | 5 | 0 | 0.0% |
| Henderson County | 4 | 0 | 3 | 75.0% |
| Johnson County | 3 | 1 | 1 | 33.3% |
| Parker County | 3 | 3 | 0 | 0.0% |
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: 151 applications in 2025, of which 110 were originated and 18 denied.
11.9% of all applications, or 13.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Traditional Mortgage Acceptance originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Traditional Mortgage Acceptance'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