United Built Homes in Texas vs the state
26.7%Denial rate+7.30 pts vs state
42.6%Decision denial rate+17.66 pts vs state
19.9%Origination rate-34.97 pts vs state
8.99%Median rate+2.49 pts vs state
—Rate spread (pts)
$109kMedian applicant income
181Loans originated
243Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 885 | 228 | 25.7% | 8.99% | #170 |
| 2024 | 845 | 178 | 28.1% | 8.99% | #188 |
| 2025 | 909 | 181 | 26.7% | 8.99% | #177 |
What United Built Homes lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Built Homes applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bowie County | 36 | 0 | 18 | 50.0% |
| Grayson County | 28 | 4 | 7 | 25.0% |
| Ellis County | 27 | 7 | 8 | 29.6% |
| Harris County | 25 | 1 | 2 | 8.0% |
| Kaufman County | 24 | 3 | 6 | 25.0% |
| Johnson County | 24 | 9 | 3 | 12.5% |
| Navarro County | 23 | 4 | 5 | 21.7% |
| Smith County | 21 | 3 | 7 | 33.3% |
| Hunt County | 19 | 5 | 3 | 15.8% |
| Collin County | 19 | 3 | 2 | 10.5% |
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: 909 applications in 2025, of which 181 were originated and 243 denied.
26.7% of all applications, or 42.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Built Homes originated in Texas in 2025 was 8.99%, against a statewide median of 6.50%.
About this data. Figures are United Built Homes'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