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Calhoun County, Texas · 2025

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

115 lenders acted on 536 mortgage applications for properties in Calhoun County in 2025. 23.9% were denied (Texas: 19.4%). Median rate on closed loans 6.63%; median loan $175,000; median property value $255,000.

536Applications
23.9%Denial ratestate 19.4%
6.63%Median ratestate 6.50%
$175,000Median loan
$255,000Median property value

Largest lenders in Calhoun County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First National Bank in Port Lavaca – 5238 17.3%—
2 Rocket Mortgage C 3724 24.3%6.94%
3 21st Mortgage F 3510 48.6%9.64%
4 Triad Financial Services D 312 54.8%7.92%
5 United Shore Financial Services B 2817 14.3%6.58%
6 Texas Dow Employees Credit Union D 2216 4.6%7.25%
7 American Liberty Mortgage B 1913 0.0%6.25%
8 Mortgage Research Center C 1712 17.7%6.25%
9 Prosperity Bank D 152 20.0%7.69%
10 Loandepot.Com D 138 23.1%7.13%
11 Wells Fargo Bank B 123 16.7%6.50%
12 American Pacific Mortgage C 129 8.3%6.63%
13 Vanderbilt Mortgage and Finance F 111 54.6%8.75%
14 Pennymac Loan Services C 97 0.0%6.62%
15 Newrez D 92 11.1%6.68%
16 Navy Federal Credit Union D 93 44.4%5.88%
17 Frost Bank C 83 50.0%6.30%
18 Union Home Mortgage B 76 14.3%6.50%
19 Freedom Mortgage B 61 0.0%5.63%
20 Broker Solutions D 61 33.3%6.38%
21 Security Service Federal Credit Union C 64 0.0%6.31%
22 The First State Bank – 64 0.0%—

Best approval odds in Calhoun County

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

#LenderDecidedDecision denial rate
1First National Bank in Port Lavaca5117.7%

What Calhoun County borrowers applied for

By loan purpose

Home purchase 362 68% · 22.9% denied
Refinance 51 10% · 13.7% denied
Cash-out refinance 59 11% · 23.7% denied
Home improvement 28 5% · 50.0% denied
Other / HELOC 36 7% · 27.8% denied

By loan type

Conventional 420 78% · 27.1% denied
FHA 68 13% · 10.3% denied
VA 44 8% · 15.9% denied
USDA / RHS 4 1% · 0.0% denied

Why applications were denied

Credit history 41 32%
Debt-to-income ratio 31 24%
Incomplete application 27 21%
Collateral 13 10%
Other 8 6%
Unverifiable information 6 5%
Employment history 1 1%

Calhoun County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202348023125.4%7.00%$165,000
202449423522.9%6.75%$175,000
202553627023.9%6.63%$175,000

Frequently asked questions

23.9% of applications in Calhoun County were denied in 2025, against 19.4% statewide in Texas.

First National Bank in Port Lavaca, with 52 applications in 2025 and a denial rate of 17.3%.

The median mortgage application in Calhoun County in 2025 was for $175,000; the median property value on originated loans was $255,000.