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Brazoria County, Texas · 2025

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

504 lenders acted on 14,981 mortgage applications for properties in Brazoria County in 2025. 19.8% were denied (Texas: 19.4%). Median rate on closed loans 6.49%; median loan $255,000; median property value $355,000.

15kApplications
19.8%Denial ratestate 19.4%
6.49%Median ratestate 6.50%
$255,000Median loan
$355,000Median property value

Largest lenders in Brazoria County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 946700 12.7%6.38%
2 Rocket Mortgage C 738509 22.2%6.63%
3 21st Mortgage F 67073 47.2%10.15%
4 Dhi Mortgage Company B 591373 15.1%4.50%
5 Lennar Mortgage A 530363 19.3%4.25%
6 Texas Dow Employees Credit Union D 415301 9.6%6.88%
7 Triad Financial Services D 34368 43.4%11.48%
8 Vanderbilt Mortgage and Finance F 32443 49.1%10.75%
9 Loandepot.Com D 298165 20.1%5.38%
10 Jet Homeloans A 263147 6.8%4.99%
11 Fairway Independent Mortgage B 259191 1.9%6.75%
12 Mortgage Research Center C 234113 17.5%6.13%
13 Broker Solutions D 225124 5.8%6.88%
14 Bank of America F 21869 38.1%6.24%
15 Newrez D 20864 18.3%6.56%
16 CMG Mortgage A 207132 4.4%6.50%
17 Gateway First Bank B 200146 2.5%6.63%
18 Freedom Mortgage B 19591 6.7%6.25%
19 JSC Federal Credit Union C 19491 21.7%5.99%
20 Pennymac Loan Services C 19291 9.9%6.25%
21 JPMorgan Chase Bank B 192102 7.8%6.56%
22 Navy Federal Credit Union D 19058 29.0%6.56%
23 Guild Mortgage A 175128 2.9%6.50%
24 First State Bank B 160133 5.0%—
25 Frost Bank C 15355 56.2%7.59%

Best approval odds in Brazoria County

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

#LenderDecidedDecision denial rate
1Crestmark Mortgage Company820.0%
2V.i.p. Mortgage591.7%
3Clm Mortgage1051.9%
4Fairway Independent Mortgage1982.5%
5Gateway First Bank1513.3%
6Guild Mortgage1433.5%
7Cornerstone Capital Bank833.6%
8Kbhs Home Loans704.3%
9Primelending, a Plainscapital1324.6%
10Crosscountry Mortgage834.8%

What Brazoria County borrowers applied for

By loan purpose

Home purchase 9,758 65% · 15.1% denied
Refinance 1,802 12% · 19.4% denied
Cash-out refinance 1,554 10% · 23.7% denied
Home improvement 746 5% · 40.1% denied
Other / HELOC 1,121 7% · 42.4% denied

By loan type

Conventional 10,450 70% · 23.2% denied
FHA 3,107 21% · 12.5% denied
VA 1,368 9% · 10.0% denied
USDA / RHS 56 0% · 12.5% denied

Why applications were denied

Debt-to-income ratio 941 32%
Credit history 818 28%
Other 352 12%
Collateral 321 11%
Incomplete application 284 10%
Unverifiable information 134 5%
Insufficient cash 69 2%
Employment history 21 1%
Mortgage insurance denied 1 0%

Brazoria County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202312,6926,45622.2%6.75%$225,000
202413,3746,86221.9%6.63%$235,000
202514,9818,01519.8%6.49%$255,000

Frequently asked questions

19.8% of applications in Brazoria County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 946 applications in 2025 and a denial rate of 12.7%.

The median mortgage application in Brazoria County in 2025 was for $255,000; the median property value on originated loans was $355,000.