{"state": "TX", "decisioned_applications": 129285, "denials": 20301, "denial_rate_pct": 15.7, "national_denial_rate_pct": 22.08, "small_loan_denial_pct": 27.0, "big_loan_denial_pct": 14.9, "small_loan_penalty": 1.81, "meta": {"source": "CFPB Home Mortgage Disclosure Act 2025", "publisher": "FinanceRateCalc", "universe": "FHA applications (loan_type 2) reaching a credit decision (action_taken 1,2,3), excluding reverse mortgages; denial = action 3", "n": 1187606, "national_denial_rate_pct": 22.08, "method": "https://financeratecalc.com/methodology.html", "license": "CC BY 4.0", "dataset_doi": "10.5281/zenodo.21575105", "verification_status": "reproducible; not independently reproduced", "verify": "https://financeratecalc.com/reconciliation.html", "caveat": "Historical observations about institutions. Not ratings, not recommendations, not predictions about any individual application. Rates reflect applicant composition as well as lender practice."}}