Zippy Loans in Texas vs the state
32.7%Denial rate+13.31 pts vs state
57.4%Decision denial rate+32.45 pts vs state
23.9%Origination rate-30.95 pts vs state
10.10%Median rate+3.60 pts vs state
0.05Rate spread (pts)-0.15 pts vs state
$64kMedian applicant income
174Loans originated
238Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 949 | 245 | 38.4% | 10.55% | #172 |
| 2025 | 727 | 174 | 32.7% | 10.10% | #208 |
What Zippy Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 111 | 35 | 30 | 27.0% |
| Harris County | 70 | 24 | 21 | 30.0% |
| Bexar County | 43 | 9 | 15 | 34.9% |
| Dallas County | 41 | 4 | 21 | 51.2% |
| El Paso County | 27 | 10 | 9 | 33.3% |
| Smith County | 21 | 4 | 10 | 47.6% |
| Bell County | 20 | 13 | 5 | 25.0% |
| Wichita County | 18 | 11 | 3 | 16.7% |
| Brazoria County | 16 | 8 | 4 | 25.0% |
| Lubbock County | 16 | 5 | 4 | 25.0% |
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: 727 applications in 2025, of which 174 were originated and 238 denied.
32.7% of all applications, or 57.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Zippy Loans originated in Texas in 2025 was 10.10%, against a statewide median of 6.50%.
About this data. Figures are Zippy 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