Largest lenders in Austin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 93 | 21 | 46.2% | 9.10% |
| 2 | Vanderbilt Mortgage and Finance | F | 59 | 15 | 35.6% | 10.25% |
| 3 | Rocket Mortgage | C | 57 | 33 | 29.8% | 6.63% |
| 4 | Triad Financial Services | D | 57 | 5 | 45.6% | 9.75% |
| 5 | Citizens State Bank | – | 45 | 44 | 0.0% | — |
| 6 | United Shore Financial Services | B | 37 | 22 | 16.2% | 6.57% |
| 7 | K. Hovnanian American Mortgage | B | 33 | 21 | 21.2% | 5.50% |
| 8 | Stone Meadow Lending | A | 31 | 26 | 0.0% | 5.75% |
| 9 | Dhi Mortgage Company | B | 28 | 17 | 21.4% | 4.99% |
| 10 | Austin County State Bank | – | 25 | 23 | 0.0% | — |
| 11 | Tammac Holdings | D | 24 | 5 | 58.3% | 9.20% |
| 12 | Credit Human Federal Credit Union | D | 22 | 1 | 72.7% | 8.70% |
| 13 | Movement Mortgage | A | 22 | 16 | 4.6% | 6.99% |
| 14 | CMG Mortgage | A | 21 | 12 | 0.0% | 6.99% |
| 15 | Newrez | D | 21 | 8 | 38.1% | 6.75% |
| 16 | Loandepot.Com | D | 21 | 9 | 33.3% | 6.13% |
| 17 | Brazos Valley Schools | F | 19 | 5 | 36.8% | — |
| 18 | Freedom Mortgage | B | 18 | 9 | 0.0% | 6.25% |
| 19 | Kind Lending | C | 16 | 11 | 31.3% | 6.75% |
| 20 | Crosscountry Mortgage | B | 15 | 11 | 0.0% | 6.63% |
| 21 | PNC Bank | D | 14 | 6 | 21.4% | 6.44% |
| 22 | The First National Bank of Bellville | – | 14 | 12 | 0.0% | — |
| 23 | FirstBank | C | 13 | 1 | 76.9% | 10.24% |
| 24 | Countryplace Mortgage | F | 13 | 1 | 30.8% | 8.84% |
| 25 | Spring Eq | D | 11 | 2 | 63.6% | 8.55% |
Best approval odds in Austin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 52 | 32.7% |
| 2 | Triad Financial Services | 57 | 45.6% |
| 3 | 21st Mortgage | 64 | 67.2% |
What Austin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Austin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,194 | 595 | 26.1% | 6.63% | $225,000 |
| 2024 | 1,163 | 567 | 23.7% | 6.63% | $215,000 |
| 2025 | 1,112 | 545 | 24.1% | 6.75% | $215,000 |
Frequently asked questions
24.1% of applications in Austin County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 93 applications in 2025 and a denial rate of 46.2%.
The median mortgage application in Austin County in 2025 was for $215,000; the median property value on originated loans was $355,000.