Andrews County, Texas · 2025

Mortgage lenders in Andrews County, TX: denial rates and top lenders (2025)

122 lenders acted on 613 mortgage applications for properties in Andrews County in 2025. 19.7% were denied (Texas: 19.4%). Median rate on closed loans 6.75%; median loan $225,000; median property value $295,000.

613Applications
19.7%Denial ratestate 19.4%
6.75%Median ratestate 6.50%
$225,000Median loan
$295,000Median property value

Largest lenders in Andrews County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 10820 32.4%9.41%
2 Efinity Financial D 4229 9.5%6.63%
3 Highlands Residential Mortgage B 3122 0.0%6.81%
4 Rocket Mortgage C 2616 34.6%6.75%
5 Triad Financial Services D 239 34.8%8.91%
6 Right Start Mortgage D 1712 5.9%6.50%
7 Interlinc Mortgage Services B 1512 0.0%6.99%
8 JPMorgan Chase Bank B 138 7.7%6.56%
9 Freedom Mortgage B 138 7.7%6.44%
10 Nations Lending B 1312 0.0%6.56%
11 Complex Community Federal Credit Union C 135 38.5%
12 Pennymac Loan Services C 116 9.1%6.56%
13 United Shore Financial Services B 118 9.1%6.06%
14 Primelending, a Plainscapital A 1110 0.0%6.99%
15 American Portfolio Mortgage C 108 20.0%6.88%
16 The Mortgage Link B 88 0.0%6.63%
17 Mortgage Research Center C 75 14.3%6.50%
18 American Financing D 71 71.4%7.49%
19 Loandepot.Com D 73 14.3%7.63%
20 Southwest Stage Funding F 70 28.6%
21 Vanderbilt Mortgage and Finance F 70 28.6%
22 Lakeview Loan Servicing C 60 66.7%
23 Kind Lending C 63 33.3%6.63%
24 Nationstar Mortgage C 64 16.7%7.00%
25 Ark-La-Tex Financial Services, LLC. A 64 0.0%7.19%

Best approval odds in Andrews County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
121st Mortgage5563.6%

What Andrews County borrowers applied for

By loan purpose

Home purchase 427 70% · 16.2% denied
Refinance 83 14% · 21.7% denied
Cash-out refinance 62 10% · 27.4% denied
Home improvement 10 2% · 20.0% denied
Other / HELOC 31 5% · 48.4% denied

By loan type

Conventional 393 64% · 27.5% denied
FHA 174 28% · 5.2% denied
VA 35 6% · 11.4% denied
USDA / RHS 11 2% · 0.0% denied

Why applications were denied

Credit history 49 43%
Incomplete application 14 12%
Debt-to-income ratio 14 12%
Collateral 11 10%
Other 11 10%
Insufficient cash 8 7%
Unverifiable information 5 4%
Employment history 2 2%

Andrews County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202354922727.3%6.99%$195,000
202464231027.0%6.99%$185,000
202561331219.7%6.75%$225,000

Frequently asked questions

19.7% of applications in Andrews County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 108 applications in 2025 and a denial rate of 32.4%.

The median mortgage application in Andrews County in 2025 was for $225,000; the median property value on originated loans was $295,000.