V.i.p. Mortgage in Texas vs the state
2.7%Denial rate-16.72 pts vs state
3.8%Decision denial rate-21.08 pts vs state
68.1%Origination rate+13.22 pts vs state
6.25%Median rate-0.25 pts vs state
0.14Rate spread (pts)-0.05 pts vs state
$124kMedian applicant income
1,080Loans originated
43Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 900 | 676 | 2.4% | 6.50% | #167 |
| 2024 | 1,478 | 1,126 | 2.4% | 6.25% | #123 |
| 2025 | 1,586 | 1,080 | 2.7% | 6.25% | #127 |
What V.i.p. Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 273 | 184 | 9 | 3.3% |
| Bexar County | 273 | 180 | 5 | 1.8% |
| Fort Bend County | 127 | 71 | 6 | 4.7% |
| Montgomery County | 114 | 78 | 3 | 2.6% |
| Brazoria County | 80 | 58 | 1 | 1.3% |
| Guadalupe County | 69 | 40 | 0 | 0.0% |
| Tarrant County | 69 | 55 | 2 | 2.9% |
| Denton County | 66 | 48 | 2 | 3.0% |
| Collin County | 58 | 43 | 3 | 5.2% |
| Dallas County | 53 | 36 | 1 | 1.9% |
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: 1,586 applications in 2025, of which 1,080 were originated and 43 denied.
2.7% of all applications, or 3.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans V.i.p. Mortgage originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are V.i.p. 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