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Bell County, Texas · 2025

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

439 lenders acted on 16,175 mortgage applications for properties in Bell County in 2025. 16.3% were denied (Texas: 19.4%). Median rate on closed loans 6.25%; median loan $245,000; median property value $295,000.

16kApplications
16.3%Denial ratestate 19.4%
6.25%Median ratestate 6.50%
$245,000Median loan
$295,000Median property value

Largest lenders in Bell County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Dhi Mortgage Company B 1,206870 9.2%4.75%
2 Fairway Independent Mortgage B 1,116869 2.9%6.25%
3 Mortgage Research Center C 932522 14.8%6.25%
4 United Shore Financial Services B 869627 10.9%5.88%
5 Rocket Mortgage C 647392 27.5%6.75%
6 Navy Federal Credit Union D 564209 25.9%6.25%
7 Freedom Mortgage B 447189 6.9%6.13%
8 First National Bank Texas B 428346 0.9%6.25%
9 Newrez D 327121 20.2%6.13%
10 Mortgage Solutions of Colorado C 323242 1.2%7.75%
11 TEXELL Credit Union D 318191 25.2%6.74%
12 Pennymac Loan Services C 312156 9.6%6.12%
13 Cadence Bank B 298192 19.5%6.38%
14 21st Mortgage F 29865 43.0%9.87%
15 CMG Mortgage A 267197 3.8%6.00%
16 Lakeview Loan Servicing C 23657 52.5%6.13%
17 Vanderbilt Mortgage and Finance F 22136 44.3%10.75%
18 Unnamed lender 549300UK9R93LGQHOV21 A 201180 0.5%4.99%
19 Swbc Mortgage A 198158 2.5%6.00%
20 Pentagon Federal Credit Union F 19174 37.2%7.13%
21 Unnamed lender 254900H565SUNWJ0IV44 A 181147 0.0%5.49%
22 Broker Solutions D 17080 8.2%6.49%
23 Extraco Banks C 169112 9.5%6.63%
24 Nationstar Mortgage C 161109 13.0%7.00%
25 Ark-La-Tex Financial Services, LLC. A 153117 4.6%6.13%

Best approval odds in Bell County

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

#LenderDecidedDecision denial rate
1First Continental Mortgage630.0%
2Central National Bank920.0%
3Cornerstone Capital Bank1070.0%
4Unnamed lender 254900H565SUNWJ0IV441490.0%
5Unnamed lender 549300UK9R93LGQHOV211810.6%
6First National Bank Texas3511.1%
7Mortgage Solutions of Colorado2621.5%
8Swbc Mortgage1673.0%
9Fairway Independent Mortgage9093.5%
10Mutual of Omaha Mortgage744.1%

What Bell County borrowers applied for

By loan purpose

Home purchase 9,444 58% · 10.2% denied
Refinance 3,182 20% · 16.2% denied
Cash-out refinance 1,784 11% · 27.5% denied
Home improvement 623 4% · 40.9% denied
Other / HELOC 1,142 7% · 35.6% denied

By loan type

Conventional 7,491 46% · 24.4% denied
FHA 1,928 12% · 11.5% denied
VA 6,695 41% · 8.6% denied
USDA / RHS 61 0% · 9.8% denied

Why applications were denied

Credit history 735 28%
Debt-to-income ratio 631 24%
Other 405 15%
Incomplete application 366 14%
Collateral 301 11%
Unverifiable information 104 4%
Insufficient cash 53 2%
Employment history 24 1%

Bell County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,8007,83618.7%6.63%$225,000
202414,5898,49617.4%6.50%$235,000
202516,1759,38516.3%6.25%$245,000

Frequently asked questions

16.3% of applications in Bell County were denied in 2025, against 19.4% statewide in Texas.

Dhi Mortgage Company, with 1,206 applications in 2025 and a denial rate of 9.2%.

The median mortgage application in Bell County in 2025 was for $245,000; the median property value on originated loans was $295,000.