Vanderbilt Mortgage and Finance in Texas vs the state
44.7%Denial rate+25.31 pts vs state
74.7%Decision denial rate+49.76 pts vs state
13.0%Origination rate-41.84 pts vs state
10.50%Median rate+4.00 pts vs state
4.48Rate spread (pts)+4.29 pts vs state
$62kMedian applicant income
2,045Loans originated
7,017Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16,712 | 2,053 | 50.5% | 10.25% | #9 |
| 2024 | 16,627 | 2,199 | 51.0% | 9.99% | #10 |
| 2025 | 15,683 | 2,045 | 44.7% | 10.50% | #9 |
What Vanderbilt Mortgage and Finance lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 2,117 | 185 | 1,136 | 53.7% |
| Montgomery County | 1,019 | 109 | 519 | 50.9% |
| Liberty County | 1,013 | 169 | 501 | 49.5% |
| Bexar County | 506 | 36 | 238 | 47.0% |
| Tarrant County | 358 | 40 | 159 | 44.4% |
| Bastrop County | 346 | 53 | 157 | 45.4% |
| Brazoria County | 324 | 43 | 159 | 49.1% |
| Ector County | 287 | 30 | 138 | 48.1% |
| Hidalgo County | 259 | 26 | 113 | 43.6% |
| Fort Bend County | 253 | 31 | 123 | 48.6% |
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% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 15,683 applications in 2025, of which 2,045 were originated and 7,017 denied.
44.7% of all applications, or 74.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Texas in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Vanderbilt Mortgage and Finance'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