Largest lenders in Bosque County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 38 | 8 | 34.2% | 9.83% |
| 2 | Rocket Mortgage | C | 37 | 30 | 13.5% | 6.81% |
| 3 | First Security State Bank | – | 32 | 22 | 18.8% | — |
| 4 | First National Bank of Bosque County | – | 32 | 28 | 9.4% | 6.50% |
| 5 | United Shore Financial Services | B | 27 | 20 | 18.5% | 6.37% |
| 6 | Triad Financial Services | D | 20 | 4 | 40.0% | 9.36% |
| 7 | Mortgage Research Center | C | 16 | 8 | 6.3% | 6.44% |
| 8 | Vanderbilt Mortgage and Finance | F | 16 | 3 | 43.8% | 10.50% |
| 9 | Navy Federal Credit Union | D | 11 | 3 | 18.2% | 6.75% |
| 10 | Fairway Independent Mortgage | B | 9 | 6 | 11.1% | 6.25% |
| 11 | Swbc Mortgage | A | 9 | 5 | 22.2% | 7.13% |
| 12 | Guild Mortgage | A | 9 | 8 | 0.0% | 7.00% |
| 13 | American Bank | B | 9 | 9 | 0.0% | — |
| 14 | Freedom Mortgage | B | 8 | 3 | 37.5% | 6.99% |
| 15 | First United Bank and Trust | C | 8 | 6 | 0.0% | 6.88% |
| 16 | Movement Mortgage | A | 8 | 5 | 0.0% | 6.88% |
| 17 | Guaranteed Rate | B | 7 | 4 | 0.0% | 6.58% |
| 18 | Calcon Mutual Mortgage | D | 7 | 1 | 0.0% | 7.49% |
| 19 | Susser Bank | B | 7 | 5 | 0.0% | 6.75% |
| 20 | Bank of America | F | 6 | 1 | 50.0% | 6.49% |
| 21 | Credit Human Federal Credit Union | D | 6 | 2 | 33.3% | 8.65% |
| 22 | The Loan Store | B | 6 | 3 | 33.3% | 7.75% |
| 23 | Pennymac Loan Services | C | 5 | 3 | 20.0% | 5.99% |
| 24 | Everett Financial | C | 5 | 2 | 0.0% | 5.94% |
| 25 | Crosscountry Mortgage | B | 5 | 3 | 0.0% | 7.13% |
What Bosque County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bosque County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 432 | 240 | 18.3% | 7.00% | $155,000 |
| 2024 | 509 | 280 | 21.0% | 7.00% | $175,000 |
| 2025 | 570 | 300 | 19.1% | 6.75% | $165,000 |
Frequently asked questions
19.1% of applications in Bosque County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 38 applications in 2025 and a denial rate of 34.2%.
The median mortgage application in Bosque County in 2025 was for $165,000; the median property value on originated loans was $285,000.