Zillow Home Loans in Texas vs the state
6.2%Denial rate-13.22 pts vs state
8.1%Decision denial rate-16.83 pts vs state
69.6%Origination rate+14.74 pts vs state
6.50%Median rate0.00 pts vs state
0.26Rate spread (pts)+0.06 pts vs state
$106kMedian applicant income
1,648Loans originated
147Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 615 | 408 | 5.7% | 6.63% | #227 |
| 2024 | 1,239 | 857 | 6.9% | 6.50% | #137 |
| 2025 | 2,367 | 1,648 | 6.2% | 6.50% | #85 |
What Zillow Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 302 | 208 | 17 | 5.6% |
| Harris County | 293 | 179 | 25 | 8.5% |
| Tarrant County | 263 | 189 | 17 | 6.5% |
| Dallas County | 227 | 148 | 19 | 8.4% |
| Collin County | 166 | 127 | 3 | 1.8% |
| Denton County | 146 | 113 | 5 | 3.4% |
| Travis County | 134 | 104 | 8 | 6.0% |
| Williamson County | 92 | 65 | 3 | 3.3% |
| Galveston County | 55 | 34 | 6 | 10.9% |
| Fort Bend County | 52 | 34 | 2 | 3.8% |
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: 2,367 applications in 2025, of which 1,648 were originated and 147 denied.
6.2% of all applications, or 8.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Zillow Home Loans originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Zillow Home Loans'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