Valley West in Texas vs the state
8.3%Denial rate-11.17 pts vs state
13.4%Decision denial rate-11.47 pts vs state
46.8%Origination rate-8.09 pts vs state
6.25%Median rate-0.25 pts vs state
-0.07Rate spread (pts)-0.26 pts vs state
$148kMedian applicant income
51Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 10 | 0.0% | 6.81% | #1,000 |
| 2024 | 177 | 63 | 6.8% | 5.75% | #428 |
| 2025 | 109 | 51 | 8.3% | 6.25% | #538 |
What Valley West lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Valley West applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 24 | 10 | 0 | 0.0% |
| McLennan County | 7 | 7 | 0 | 0.0% |
| Galveston County | 7 | 5 | 0 | 0.0% |
| Tarrant County | 7 | 2 | 2 | 28.6% |
| Collin County | 7 | 2 | 1 | 14.3% |
| Williamson County | 6 | 3 | 0 | 0.0% |
| Bexar County | 5 | 3 | 1 | 20.0% |
| Dallas County | 5 | 3 | 1 | 20.0% |
| Midland County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 3 | 1 | 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: 109 applications in 2025, of which 51 were originated and 9 denied.
8.3% of all applications, or 13.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Valley West originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Valley West'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