Universal Lending in Texas vs the state
5.6%Denial rate-13.87 pts vs state
7.0%Decision denial rate-17.88 pts vs state
73.6%Origination rate+18.73 pts vs state
4.99%Median rate-1.51 pts vs state
-1.00Rate spread (pts)-1.19 pts vs state
$132kMedian applicant income
53Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 6 | 27.3% | 6.69% | #984 |
| 2024 | 8 | 5 | 0.0% | 4.99% | #995 |
| 2025 | 72 | 53 | 5.6% | 4.99% | #628 |
What Universal Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Universal Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hays County | 34 | 26 | 2 | 5.9% |
| Harris County | 24 | 15 | 2 | 8.3% |
| Williamson County | 6 | 6 | 0 | 0.0% |
| Waller County | 5 | 4 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 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: 72 applications in 2025, of which 53 were originated and 4 denied.
5.6% of all applications, or 7.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Universal Lending originated in Texas in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are Universal Lending'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