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Bastrop County, Texas · 2025

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

303 lenders acted on 5,011 mortgage applications for properties in Bastrop County in 2025. 24.9% were denied (Texas: 19.4%). Median rate on closed loans 6.50%; median loan $235,000; median property value $345,000.

5.0kApplications
24.9%Denial ratestate 19.4%
6.50%Median ratestate 6.50%
$235,000Median loan
$345,000Median property value

Largest lenders in Bastrop County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 456110 36.8%9.81%
2 Vanderbilt Mortgage and Finance F 34653 45.4%10.75%
3 CMG Mortgage A 306246 2.9%5.75%
4 Triad Financial Services D 298106 35.6%9.29%
5 United Shore Financial Services B 188134 12.2%6.25%
6 Dhi Mortgage Company B 162121 10.5%3.99%
7 Rocket Mortgage C 15894 33.5%6.50%
8 The First National Bank of Bastrop C 15785 17.8%—
9 Randolph-Brooks Federal Credit Union C 12055 10.8%6.88%
10 Tammac Holdings D 973 82.5%11.50%
11 Newrez D 9432 22.3%6.25%
12 Credit Human Federal Credit Union D 915 82.4%7.80%
13 A+ Federal Credit Union D 7928 46.8%6.99%
14 Southwest Stage Funding F 7523 16.0%8.05%
15 Loandepot.Com D 6645 10.6%4.99%
16 Mortgage Research Center C 6424 26.6%6.25%
17 Inspire Home Loans B 5843 13.8%4.88%
18 Freedom Mortgage B 5424 9.3%5.94%
19 FirstBank C 529 59.6%9.14%
20 Guild Mortgage A 4531 8.9%6.50%
21 UNIVERSITY Federal Credit Union C 4520 24.4%6.75%
22 Broker Solutions D 4415 9.1%6.88%
23 Frost Bank C 4215 61.9%4.49%
24 Pennymac Loan Services C 4120 4.9%6.99%
25 Frontier Bank of Texas B 4134 2.4%—

Best approval odds in Bastrop County

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

#LenderDecidedDecision denial rate
1CMG Mortgage2683.4%
2Dhi Mortgage Company14012.1%
3Loandepot.Com5213.5%
4United Shore Financial Services16014.4%
5Inspire Home Loans5414.8%
6Randolph-Brooks Federal Credit Union7716.9%
7The First National Bank of Bastrop14719.1%
8Rocket Mortgage14935.6%
9Triad Financial Services29735.7%
10Newrez5339.6%

What Bastrop County borrowers applied for

By loan purpose

Home purchase 3,472 69% · 23.1% denied
Refinance 550 11% · 23.3% denied
Cash-out refinance 563 11% · 27.9% denied
Home improvement 163 3% · 40.5% denied
Other / HELOC 263 5% · 35.7% denied

By loan type

Conventional 3,673 73% · 30.1% denied
FHA 870 17% · 12.1% denied
VA 363 7% · 7.4% denied
USDA / RHS 105 2% · 10.5% denied

Why applications were denied

Credit history 452 36%
Debt-to-income ratio 362 29%
Collateral 125 10%
Other 117 9%
Incomplete application 91 7%
Unverifiable information 57 5%
Insufficient cash 28 2%
Employment history 12 1%

Bastrop County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,6922,20327.2%6.50%$235,000
20244,4242,26223.4%6.50%$235,000
20255,0112,37324.9%6.50%$235,000

Frequently asked questions

24.9% of applications in Bastrop County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 456 applications in 2025 and a denial rate of 36.8%.

The median mortgage application in Bastrop County in 2025 was for $235,000; the median property value on originated loans was $345,000.