Velocio Mortgage in Texas vs the state
3.8%Denial rate-15.60 pts vs state
4.4%Decision denial rate-20.55 pts vs state
84.1%Origination rate+29.25 pts vs state
4.25%Median rate-2.25 pts vs state
-1.87Rate spread (pts)-2.06 pts vs state
$102kMedian applicant income
3,382Loans originated
154Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,969 | 2,354 | 5.4% | 5.75% | #65 |
| 2024 | 3,230 | 2,690 | 4.0% | 5.38% | #59 |
| 2025 | 4,020 | 3,382 | 3.8% | 4.25% | #49 |
What Velocio Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Velocio Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 852 | 748 | 25 | 2.9% |
| Williamson County | 576 | 476 | 29 | 5.0% |
| Collin County | 512 | 450 | 13 | 2.5% |
| Montgomery County | 310 | 240 | 14 | 4.5% |
| Harris County | 277 | 225 | 10 | 3.6% |
| Hays County | 257 | 225 | 6 | 2.3% |
| Travis County | 189 | 163 | 11 | 5.8% |
| Kaufman County | 175 | 143 | 9 | 5.1% |
| Tarrant County | 136 | 107 | 11 | 8.1% |
| Fort Bend County | 129 | 103 | 6 | 4.7% |
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: 4,020 applications in 2025, of which 3,382 were originated and 154 denied.
3.8% of all applications, or 4.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Velocio Mortgage originated in Texas in 2025 was 4.25%, against a statewide median of 6.50%.
About this data. Figures are Velocio 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