UIF in Texas vs the state
7.6%Denial rate-11.84 pts vs state
10.2%Decision denial rate-14.66 pts vs state
65.1%Origination rate+10.18 pts vs state
6.75%Median rate+0.25 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$145kMedian applicant income
257Loans originated
30Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 500 | 351 | 2.8% | 6.88% | #254 |
| 2024 | 416 | 284 | 6.0% | 7.00% | #274 |
| 2025 | 395 | 257 | 7.6% | 6.75% | #298 |
What UIF lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most UIF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 110 | 69 | 8 | 7.3% |
| Harris County | 58 | 34 | 2 | 3.4% |
| Dallas County | 56 | 39 | 3 | 5.4% |
| Fort Bend County | 53 | 39 | 3 | 5.7% |
| Tarrant County | 28 | 15 | 3 | 10.7% |
| Denton County | 23 | 15 | 3 | 13.0% |
| Williamson County | 13 | 9 | 2 | 15.4% |
| Brazoria County | 9 | 6 | 0 | 0.0% |
| Bexar County | 9 | 6 | 2 | 22.2% |
| Travis County | 7 | 4 | 2 | 28.6% |
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: 395 applications in 2025, of which 257 were originated and 30 denied.
7.6% of all applications, or 10.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans UIF originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are UIF'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