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Bexar County, Texas · 2025

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

674 lenders acted on 65,891 mortgage applications for properties in Bexar County in 2025. 18.6% were denied (Texas: 19.4%). Median rate on closed loans 6.25%; median loan $225,000; median property value $295,000.

66kApplications
18.6%Denial ratestate 19.4%
6.25%Median ratestate 6.50%
$225,000Median loan
$295,000Median property value

Largest lenders in Bexar County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Randolph-Brooks Federal Credit Union C 4,7202,416 12.1%7.00%
2 Lennar Mortgage A 4,0933,023 19.5%4.63%
3 Dhi Mortgage Company B 2,7001,840 11.0%3.99%
4 Rocket Mortgage C 2,6731,744 22.9%6.75%
5 United Shore Financial Services B 2,4931,832 11.7%6.13%
6 Security Service Federal Credit Union C 2,4521,072 24.8%6.99%
7 21st Mortgage F 1,548201 51.2%10.49%
8 Loandepot.Com D 1,393766 30.4%4.99%
9 Mortgage Research Center C 1,288571 18.3%5.99%
10 Directions Equity A 1,213867 2.7%6.25%
11 Kbhs Home Loans B 1,161721 7.8%6.13%
12 Frost Bank C 1,146538 44.1%6.95%
13 Newrez D 1,130381 22.0%6.38%
14 Pennymac Loan Services C 1,063475 13.0%6.25%
15 Navy Federal Credit Union D 1,063377 24.5%6.25%
16 JPMorgan Chase Bank B 1,059696 7.7%6.38%
17 CMG Mortgage A 1,040695 3.8%6.00%
18 Freedom Mortgage B 1,002480 7.7%5.88%
19 Bank of America F 985285 47.0%6.24%
20 Broker Solutions D 878414 9.5%6.63%
21 Velocio Mortgage A 852748 2.9%3.99%
22 Gardner Financial Services B 717548 1.1%6.38%
23 Firstmark F 674275 41.3%7.04%
24 Pulte Mortgage A 650464 14.6%4.75%
25 Triad Financial Services D 628137 49.2%10.07%

Best approval odds in Bexar County

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

#LenderDecidedDecision denial rate
1Brookhollow Mortgage Services550.0%
2Unnamed lender 2549004YKXDDHUWUOH37620.0%
3NFM520.0%
4Panorama Mortgage Group520.0%
5Priority Home Mortgage790.0%
6Clm Mortgage1150.0%
7Republic State Mortgage1070.0%
8Crestmark Mortgage Company1200.0%
9Rf Renovo Management Company1250.0%
10Parkstone Mortgage1310.8%

What Bexar County borrowers applied for

By loan purpose

Home purchase 38,633 59% · 13.1% denied
Refinance 8,385 13% · 20.4% denied
Cash-out refinance 10,729 16% · 20.8% denied
Home improvement 2,879 4% · 42.8% denied
Other / HELOC 5,265 8% · 38.9% denied

By loan type

Conventional 40,782 62% · 22.9% denied
FHA 13,281 20% · 13.8% denied
VA 11,494 17% · 9.2% denied
USDA / RHS 334 1% · 10.8% denied

Why applications were denied

Debt-to-income ratio 3,730 30%
Credit history 3,452 28%
Collateral 1,406 11%
Other 1,328 11%
Incomplete application 1,276 10%
Unverifiable information 548 4%
Insufficient cash 327 3%
Employment history 179 1%
Mortgage insurance denied 1 0%

Bexar County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202364,89134,28721.1%6.38%$215,000
202464,69635,40119.7%6.25%$225,000
202565,89136,43718.6%6.25%$225,000

Frequently asked questions

18.6% of applications in Bexar County were denied in 2025, against 19.4% statewide in Texas.

Randolph-Brooks Federal Credit Union, with 4,720 applications in 2025 and a denial rate of 12.1%.

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