United Shore Financial Services in Texas vs the state
11.0%Denial rate-8.45 pts vs state
12.5%Decision denial rate-12.37 pts vs state
74.9%Origination rate+19.97 pts vs state
6.25%Median rate-0.25 pts vs state
0.14Rate spread (pts)-0.05 pts vs state
$129kMedian applicant income
42,285Loans originated
6,202Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33,954 | 25,505 | 11.2% | 6.50% | #2 |
| 2024 | 46,252 | 34,808 | 10.7% | 6.50% | #1 |
| 2025 | 56,491 | 42,285 | 11.0% | 6.25% | #1 |
What United Shore Financial Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 8,620 | 6,322 | 1,050 | 12.2% |
| Collin County | 5,790 | 4,522 | 513 | 8.9% |
| Denton County | 4,387 | 3,396 | 421 | 9.6% |
| Tarrant County | 3,803 | 2,836 | 446 | 11.7% |
| Dallas County | 3,443 | 2,525 | 417 | 12.1% |
| Fort Bend County | 2,846 | 2,125 | 327 | 11.5% |
| Bexar County | 2,493 | 1,832 | 291 | 11.7% |
| Williamson County | 2,370 | 1,850 | 204 | 8.6% |
| Travis County | 1,974 | 1,507 | 192 | 9.7% |
| Montgomery County | 1,705 | 1,290 | 171 | 10.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 56,491 applications in 2025, of which 42,285 were originated and 6,202 denied.
11.0% of all applications, or 12.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Shore Financial Services originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial Services'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