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Brazos County, Texas · 2025

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

405 lenders acted on 6,261 mortgage applications for properties in Brazos County in 2025. 17.6% were denied (Texas: 19.4%). Median rate on closed loans 6.50%; median loan $245,000; median property value $345,000.

6.3kApplications
17.6%Denial ratestate 19.4%
6.50%Median ratestate 6.50%
$245,000Median loan
$345,000Median property value

Largest lenders in Brazos County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 451377 6.2%6.25%
2 Dhi Mortgage Company B 354250 12.7%4.99%
3 21st Mortgage F 27729 54.2%10.13%
4 Rocket Mortgage C 238161 23.5%6.88%
5 First Financial Bank C 222175 8.1%6.88%
6 Vanderbilt Mortgage and Finance F 17811 36.5%11.25%
7 CMG Mortgage A 152120 0.7%6.63%
8 Fairway Independent Mortgage B 149117 1.3%6.49%
9 Greater Texas Federal Credit Union D 14867 40.5%6.63%
10 Pilgrim Mortgage A 144126 0.7%6.50%
11 JPMorgan Chase Bank B 14094 4.3%6.50%
12 Unnamed lender 549300UK9R93LGQHOV21 A 132123 0.8%5.25%
13 Prosperity Bank D 11865 28.0%6.99%
14 American Momentum Bank D 11196 1.8%—
15 Triad Financial Services D 10515 63.8%11.03%
16 Newrez D 10223 29.4%6.25%
17 City Bank C 9671 8.3%6.83%
18 Pennymac Loan Services C 9039 21.1%6.75%
19 Amerihome Mortgage Company B 8874 9.1%6.50%
20 Mortgage Research Center C 8548 18.8%6.25%
21 Amarillo National Bank C 8157 4.9%7.25%
22 Bank of America F 7534 34.7%6.49%
23 Truist Bank C 7139 31.0%6.60%
24 Navy Federal Credit Union D 7130 19.7%6.38%
25 The Loan Store B 6551 6.2%6.50%

Best approval odds in Brazos County

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

#LenderDecidedDecision denial rate
1CMG Mortgage1280.8%
2Pilgrim Mortgage1270.8%
3Unnamed lender 549300UK9R93LGQHOV211240.8%
4Fairway Independent Mortgage1191.7%
5American Momentum Bank982.0%
6Amarillo National Bank725.6%
7JPMorgan Chase Bank1025.9%
8United Shore Financial Services4086.9%
9The Loan Store567.1%
10First Financial Bank1959.2%

What Brazos County borrowers applied for

By loan purpose

Home purchase 4,221 67% · 14.1% denied
Refinance 740 12% · 15.3% denied
Cash-out refinance 589 9% · 22.1% denied
Home improvement 289 5% · 33.9% denied
Other / HELOC 422 7% · 39.3% denied

By loan type

Conventional 4,941 79% · 19.9% denied
FHA 818 13% · 9.5% denied
VA 477 8% · 8.6% denied
USDA / RHS 25 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 346 32%
Credit history 328 30%
Collateral 121 11%
Incomplete application 108 10%
Other 103 9%
Unverifiable information 58 5%
Insufficient cash 21 2%
Employment history 6 1%

Brazos County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,2672,98620.7%6.74%$225,000
20245,5603,34118.0%6.67%$235,000
20256,2613,77617.6%6.50%$245,000

Frequently asked questions

17.6% of applications in Brazos County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 451 applications in 2025 and a denial rate of 6.2%.

The median mortgage application in Brazos County in 2025 was for $245,000; the median property value on originated loans was $345,000.