United Mortgage in Texas vs the state
3.6%Denial rate-15.79 pts vs state
4.5%Decision denial rate-20.42 pts vs state
61.2%Origination rate+6.33 pts vs state
6.99%Median rate+0.49 pts vs state
0.64Rate spread (pts)+0.44 pts vs state
$114kMedian applicant income
101Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 99 | 1.7% | 6.88% | #441 |
| 2024 | 194 | 123 | 2.1% | 6.88% | #403 |
| 2025 | 165 | 101 | 3.6% | 6.99% | #453 |
What United Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 26 | 19 | 0 | 0.0% |
| Harris County | 21 | 10 | 1 | 4.8% |
| Dallas County | 14 | 8 | 0 | 0.0% |
| Collin County | 12 | 7 | 1 | 8.3% |
| Denton County | 11 | 8 | 0 | 0.0% |
| Montgomery County | 9 | 5 | 1 | 11.1% |
| Fort Bend County | 8 | 7 | 0 | 0.0% |
| Ellis County | 7 | 7 | 0 | 0.0% |
| Parker County | 5 | 3 | 0 | 0.0% |
| Hood County | 4 | 2 | 1 | 25.0% |
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: 165 applications in 2025, of which 101 were originated and 6 denied.
3.6% of all applications, or 4.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Mortgage originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are United 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