Find a better mortgage lender

Bandera County, Texas · 2025

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

179 lenders acted on 970 mortgage applications for properties in Bandera County in 2025. 22.5% were denied (Texas: 19.4%). Median rate on closed loans 6.75%; median loan $205,000; median property value $415,000.

970Applications
22.5%Denial ratestate 19.4%
6.75%Median ratestate 6.50%
$205,000Median loan
$415,000Median property value

Largest lenders in Bandera County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 10722 37.4%9.26%
2 Rocket Mortgage C 6144 21.3%6.75%
3 Randolph-Brooks Federal Credit Union C 5017 14.0%6.63%
4 Triad Financial Services D 3911 38.5%8.25%
5 United Shore Financial Services B 3325 12.1%6.50%
6 Vanderbilt Mortgage and Finance F 271 33.3%8.33%
7 Credit Human Federal Credit Union D 263 57.7%8.30%
8 Security Service Federal Credit Union C 2612 38.5%6.88%
9 Mortgage Research Center C 2212 13.6%6.19%
10 Navy Federal Credit Union D 2212 18.2%6.63%
11 Broker Solutions D 1911 10.5%6.75%
12 Newrez D 165 18.8%6.25%
13 Guaranteed Rate B 147 0.0%6.58%
14 Frost Bank C 136 46.2%6.96%
15 Gardner Financial Services B 1310 0.0%6.38%
16 Directions Equity A 1210 0.0%6.63%
17 Pennymac Loan Services C 114 9.1%8.06%
18 USAA Federal Savings Bank C 114 27.3%5.75%
19 AmeriSave Mortgage D 114 54.6%7.87%
20 Right Start Mortgage D 107 10.0%6.63%
21 Gateway First Bank B 107 0.0%6.38%
22 Movement Mortgage A 95 11.1%6.69%
23 Southwest Stage Funding F 91 0.0%7.15%
24 Broadway National Bank F 82 50.0%—
25 PNC Bank D 81 62.5%7.82%

Best approval odds in Bandera County

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

#LenderDecidedDecision denial rate
1Rocket Mortgage5922.0%
221st Mortgage6264.5%

What Bandera County borrowers applied for

By loan purpose

Home purchase 559 58% · 19.1% denied
Refinance 148 15% · 19.6% denied
Cash-out refinance 127 13% · 22.1% denied
Home improvement 39 4% · 30.8% denied
Other / HELOC 97 10% · 43.3% denied

By loan type

Conventional 736 76% · 26.0% denied
FHA 89 9% · 12.4% denied
VA 143 15% · 10.5% denied
USDA / RHS 2 0% · 50.0% denied

Why applications were denied

Debt-to-income ratio 66 30%
Credit history 59 27%
Collateral 32 15%
Other 22 10%
Incomplete application 21 10%
Unverifiable information 11 5%
Insufficient cash 4 2%
Employment history 3 1%

Bandera County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202390139624.5%6.99%$195,000
202483037324.2%6.88%$195,000
202597044922.5%6.75%$205,000

Frequently asked questions

22.5% of applications in Bandera County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 107 applications in 2025 and a denial rate of 37.4%.

The median mortgage application in Bandera County in 2025 was for $205,000; the median property value on originated loans was $415,000.