Largest mortgage lenders in Texas
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 56,491 | 42,285 | 11.0% | 6.25% |
| 2 | Rocket Mortgage | C | 45,658 | 30,579 | 22.4% | 6.63% |
| 3 | 21st Mortgage | F | 37,961 | 6,763 | 45.9% | 9.94% |
| 4 | Dhi Mortgage Company | B | 26,348 | 17,748 | 13.5% | 4.50% |
| 5 | Lennar Mortgage | A | 21,959 | 15,642 | 20.5% | 4.50% |
| 6 | Bank of America | F | 18,008 | 6,141 | 43.0% | 6.24% |
| 7 | JPMorgan Chase Bank | B | 16,260 | 9,775 | 9.8% | 6.45% |
| 8 | CMG Mortgage | A | 15,978 | 10,655 | 3.9% | 6.50% |
| 9 | Vanderbilt Mortgage and Finance | F | 15,683 | 2,045 | 44.7% | 10.50% |
| 10 | Triad Financial Services | D | 15,158 | 2,321 | 50.0% | 9.35% |
| 11 | Newrez | D | 15,001 | 4,793 | 21.7% | 6.50% |
| 12 | Pennymac Loan Services | C | 14,770 | 6,849 | 13.1% | 6.38% |
| 13 | Loandepot.Com | D | 14,655 | 8,535 | 23.5% | 5.99% |
| 14 | Mortgage Research Center | C | 14,249 | 6,918 | 17.5% | 6.25% |
| 15 | Randolph-Brooks Federal Credit Union | C | 13,859 | 7,141 | 10.5% | 6.88% |
| 16 | Freedom Mortgage | B | 12,545 | 5,759 | 7.5% | 6.25% |
| 17 | Frost Bank | C | 11,929 | 6,117 | 41.8% | 7.57% |
| 18 | Crosscountry Mortgage | B | 11,858 | 7,734 | 3.3% | 6.63% |
| 19 | Broker Solutions | D | 11,832 | 5,508 | 9.0% | 6.75% |
| 20 | Navy Federal Credit Union | D | 11,693 | 4,267 | 25.6% | 6.38% |
| 21 | Fairway Independent Mortgage | B | 10,312 | 7,468 | 3.9% | 6.63% |
| 22 | Guild Mortgage | A | 9,935 | 6,877 | 4.0% | 6.50% |
| 23 | Primelending, a Plainscapital | A | 8,656 | 6,358 | 6.0% | 6.25% |
| 24 | Lakeview Loan Servicing | C | 8,308 | 1,425 | 57.4% | 6.25% |
| 25 | PNC Bank | D | 8,211 | 2,930 | 41.1% | 7.74% |
Best approval odds in Texas
Lowest decision denial rate among lenders that decided at least 300 Texas applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Dominion Financial Services | 339 | 0.0% | 7.38% |
| 2 | Easy Street Capital | 382 | 0.0% | 9.90% |
| 3 | New Wave Lending Group | 318 | 0.0% | 7.00% |
| 4 | Rf Renovo Management Company | 902 | 0.1% | 9.00% |
| 5 | Unnamed lender 2549004YKXDDHUWUOH37 | 549 | 0.2% | 4.99% |
| 6 | Priority Home Mortgage | 1,085 | 0.4% | 5.75% |
| 7 | Unnamed lender 549300UK9R93LGQHOV21 | 507 | 0.4% | 5.25% |
| 8 | Parkstone Mortgage | 958 | 0.6% | 5.99% |
| 9 | Cadence Lending Group | 396 | 0.8% | 6.25% |
| 10 | Velocity Commercial Capital | 391 | 0.8% | 9.87% |
Lowest median rates in Texas
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust | 134 | 3.38% | 14.0% |
| 2 | Velocio Mortgage | 3,281 | 4.25% | 3.8% |
| 3 | Lennar Mortgage | 15,582 | 4.50% | 20.5% |
| 4 | Dhi Mortgage Company | 17,374 | 4.50% | 13.5% |
| 5 | Inspire Home Loans | 1,274 | 4.88% | 10.9% |
| 6 | M/i Financial | 2,129 | 4.88% | 3.4% |
| 7 | Colina Mortgage Group | 190 | 4.99% | 12.3% |
| 8 | Unnamed lender 2549004YKXDDHUWUOH37 | 545 | 4.99% | 0.2% |
| 9 | Pulte Mortgage | 3,092 | 4.99% | 14.6% |
| 10 | Homeamerican Mortgage | 104 | 5.00% | 6.1% |
What Texas borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Texas applications were denied
Texas mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 884,516 | 465,400 | 21.6% | 6.63% | $235,000 | 1,616 |
| 2024 | 906,424 | 494,656 | 20.4% | 6.63% | $245,000 | 1,581 |
| 2025 | 959,692 | 526,689 | 19.4% | 6.50% | $245,000 | 1,568 |
Texas counties
Counties with at least 200 applications in 2025, most active first.
Harris County116k
Bexar County65k
Tarrant County59k
Dallas County57k
Collin County51k
Denton County42k
Montgomery County35k
Travis County34k
Fort Bend County31k
Williamson County27k
El Paso County23k
Hidalgo County17k
Bell County16k
Brazoria County14k
Galveston County13k
Hays County11k
Nueces County10k
Ellis County10k
Kaufman County9.9k
Lubbock County9.6k
Guadalupe County9.3k
Johnson County8.9k
Comal County8.6k
Parker County8.0k
Smith County8.0k
Cameron County7.9k
Midland County7.4k
McLennan County7.3k
Ector County6.7k
Grayson County6.6k
Liberty County6.3k
Brazos County5.8k
Rockwall County5.7k
Randall County5.4k
Jefferson County5.2k
Webb County5.1k
Taylor County5.1k
Hunt County4.7k
Bastrop County4.7k
Waller County4.4k
Wise County3.8k
Henderson County3.2k
Gregg County3.1k
Wichita County3.0k
Tom Green County3.0k
Hood County2.9k
Medina County2.9k
Potter County2.7k
Orange County2.5k
Bowie County2.5k
Coryell County2.4k
Chambers County2.3k
Hardin County2.2k
San Patricio County2.2k
Burnet County2.1k
Van Zandt County2.1k
Wilson County2.1k
Harrison County2.1k
Angelina County2.0k
Atascosa County2.0k
Victoria County1.9k
Kendall County1.9k
Caldwell County1.8k
Navarro County1.7k
Wood County1.6k
Walker County1.6k
Polk County1.5k
Cherokee County1.5k
Rusk County1.5k
Upshur County1.5k
Kerr County1.4k
Nacogdoches County1.3k
Anderson County1.3k
Cooke County1.2k
Hill County1.2k
Fannin County1.2k
Grimes County1.2k
San Jacinto County1.1k
Jasper County1.1k
Aransas County1.1k
Washington County1.1k
Hopkins County1.0k
Gaines County917
Lamar County916
Austin County881
Cass County865
Gillespie County850
Lampasas County848
Erath County825
Wharton County820
Brown County817
Burleson County771
Palo Pinto County769
Bandera County730
Val Verde County728
Maverick County714
Jim Wells County700
Matagorda County680
Hockley County667
Tyler County667
Llano County638
Freestone County623
Milam County600
Howard County596
Montague County579
Titus County563
Limestone County551
Panola County548
Starr County537
Robertson County530
Fayette County524
Shelby County522
Leon County521
Jones County520
Gonzales County492
Houston County484
Hutchinson County478
Andrews County459
Colorado County459
Bee County458
Moore County455
Hale County435
Lee County424
Callahan County417
Kleberg County409
Lavaca County391
Bosque County383
Calhoun County370
Madison County369
Eastland County360
Uvalde County352
Trinity County350
Deaf Smith County349
Blanco County347
Gray County323
Rains County317
Newton County313
Sabine County312
DeWitt County304
Camp County303
Frio County302
Falls County288
Franklin County280
Morris County278
Ward County276
Pecos County270
Young County269
Jackson County258
Comanche County256
Scurry County248
Clay County240
Martin County238
Somervell County230
Reeves County225
Marion County221
Nolan County221
Archer County212
Red River County200
Frequently asked questions
19.4% of mortgage applications in Texas were denied in 2025 (24.9% of applications that reached a decision). Nationally the rate was 18.0%.
United Shore Financial Services handled the most applications in Texas in 2025: 56,491, with a denial rate of 11.0%.
Among lenders that decided at least 300 applications in Texas, Dominion Financial Services had the lowest decision denial rate at 0.0%.
The median interest rate on loans originated in Texas in 2025 was 6.50%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.