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Callahan County, Texas · 2025

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

110 lenders acted on 569 mortgage applications for properties in Callahan County in 2025. 19.9% were denied (Texas: 19.4%). Median rate on closed loans 6.64%; median loan $165,000; median property value $235,000.

569Applications
19.9%Denial ratestate 19.4%
6.64%Median ratestate 6.50%
$165,000Median loan
$235,000Median property value

Largest lenders in Callahan County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 5914 30.5%8.87%
2 First Financial Bank C 5948 3.4%6.90%
3 Rocket Mortgage C 2512 48.0%6.38%
4 Triad Financial Services D 253 52.0%7.73%
5 Primelending, a Plainscapital A 2118 0.0%6.25%
6 Loandepot.Com D 1716 5.9%6.25%
7 Mortgage Research Center C 1610 18.8%6.06%
8 Vanderbilt Mortgage and Finance F 169 37.5%9.50%
9 United Shore Financial Services B 149 14.3%6.13%
10 ABILENE TEACHERS Federal Credit Union D 1410 14.3%6.93%
11 Pennymac Loan Services C 132 7.7%5.93%
12 City Bank C 119 0.0%6.88%
13 Clear Fork Bank C 119 18.2%—
14 Coleman County State Bank – 1010 0.0%—
15 Countryplace Mortgage F 102 40.0%8.92%
16 First National Bank and Trust Company of Weatherford – 104 50.0%—
17 Unnamed lender 254900C7T2ET9EM0RK88 – 97 11.1%—
18 Broker Solutions D 82 12.5%6.94%
19 Guild Mortgage A 85 25.0%6.63%
20 Newrez D 74 0.0%6.19%
21 Communities of Abilene Federal Credit Union – 77 0.0%7.50%
22 Credit Human Federal Credit Union D 62 66.7%8.70%
23 Fairway Independent Mortgage B 64 33.3%6.56%
24 Bank of America F 51 60.0%6.74%
25 Royal United Mortgage F 52 40.0%7.25%

Best approval odds in Callahan County

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

#LenderDecidedDecision denial rate
1First Financial Bank504.0%

What Callahan County borrowers applied for

By loan purpose

Home purchase 365 64% · 16.7% denied
Refinance 76 13% · 22.4% denied
Cash-out refinance 72 13% · 25.0% denied
Home improvement 36 6% · 19.4% denied
Other / HELOC 20 4% · 50.0% denied

By loan type

Conventional 400 70% · 24.8% denied
FHA 84 15% · 9.5% denied
VA 82 14% · 6.1% denied
USDA / RHS 3 1% · 33.3% denied

Why applications were denied

Credit history 49 44%
Debt-to-income ratio 24 21%
Collateral 17 15%
Other 8 7%
Incomplete application 5 4%
Unverifiable information 4 4%
Insufficient cash 3 3%
Employment history 2 2%

Callahan County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202344622223.8%7.38%$140,000
202454027922.6%7.00%$155,000
202556931119.9%6.64%$165,000

Frequently asked questions

19.9% of applications in Callahan County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 59 applications in 2025 and a denial rate of 30.5%.

The median mortgage application in Callahan County in 2025 was for $165,000; the median property value on originated loans was $235,000.