Spark Mortgage, LLC reported 288 applications for homes in Texas in the HMDA data of 2025.
It originated 233 loans in the state in 2025, for $80.1 million in total.
The median interest rate of these loans in 2025 was 5.490%, and the median of all lenders in Texas was 6.375%.
The median total loan costs in 2025 were $4,561, and the state median was $7,759.
It denied 0.0% of the applications that it decided in the state in 2025, and the state denial rate was 24.9%.
Filed figures of Spark Mortgage, LLC in Texas, 2025
Figure
In TX
Lender, all states
TX, all lenders
Applications
288
288
959,692
Loans originated
233
233
526,689
Median interest rate
5.490%
5.490%
6.375%
Median total loan costs
$4,561
$4,561
$7,759
Denial rate
0.0%
0.0%
24.9%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Spark Mortgage, LLC in Texas, 2025Each value has the median of all lenders in Texas under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in TX
231
5.490%TX 6.375%
$4,561TX $7,759
$0TX $2,115
$3,279TX $3,280
$75TX $487
−1.012TX 0.127
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 1.012 percentage points below the average prime offer rate. On a loan of $300,000, that is about $3,036 less a year, or $253 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Texas. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Spark Mortgage, LLC were in Texas in 2025?
233 of its loans originated, out of 233 in all states. That is 100.0%.
In which counties of Texas did Spark Mortgage, LLC originate the most loans in 2025?
The three with the most loans were Bell County (147), Coryell County (54) and McLennan County (25).
Which loan types did Spark Mortgage, LLC originate in Texas in 2025?
30 conventional, 59 FHA, 141 VA and 3 USDA.
What share of the applications in Texas did Spark Mortgage, LLC report in 2025?
0.0%: 288 out of 959,692 applications of all lenders in the state.