Largest lenders in Cameron County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 471 | 310 | 23.6% | 6.75% |
| 2 | Rally Credit Union | D | 457 | 199 | 35.9% | 6.63% |
| 3 | United Shore Financial Services | B | 345 | 242 | 14.8% | 6.25% |
| 4 | 21st Mortgage | F | 326 | 54 | 49.7% | 10.46% |
| 5 | Security Service Federal Credit Union | C | 289 | 127 | 22.5% | 6.88% |
| 6 | Union Home Mortgage | B | 231 | 166 | 3.0% | 6.50% |
| 7 | JPMorgan Chase Bank | B | 225 | 139 | 9.3% | 6.49% |
| 8 | Fairway Independent Mortgage | B | 213 | 180 | 4.7% | 6.38% |
| 9 | Newrez | D | 201 | 77 | 24.9% | 6.50% |
| 10 | Synergy One Lending | C | 185 | 99 | 6.0% | 6.63% |
| 11 | PNC Bank | D | 169 | 43 | 56.8% | 7.74% |
| 12 | Mortgage Research Center | C | 160 | 85 | 17.5% | 6.25% |
| 13 | Vanderbilt Mortgage and Finance | F | 144 | 18 | 45.1% | 10.87% |
| 14 | Freedom Mortgage | B | 136 | 69 | 7.4% | 6.25% |
| 15 | Pennymac Loan Services | C | 135 | 58 | 20.7% | 6.56% |
| 16 | Securitynational Mortgage | D | 133 | 84 | 9.0% | 6.38% |
| 17 | Bank of America | F | 132 | 25 | 59.9% | 6.25% |
| 18 | CMG Mortgage | A | 130 | 89 | 8.5% | 6.63% |
| 19 | Crosscountry Mortgage | B | 125 | 69 | 3.2% | 6.75% |
| 20 | Triad Financial Services | D | 121 | 16 | 54.6% | 9.47% |
| 21 | Lone Star National Bank | F | 111 | 43 | 14.4% | 7.25% |
| 22 | American Neighborhood Mortgage Acceptance Company | B | 107 | 85 | 3.7% | 6.50% |
| 23 | Broker Solutions | D | 107 | 51 | 15.0% | 7.13% |
| 24 | Wells Fargo Bank | B | 102 | 36 | 22.6% | 6.63% |
| 25 | Highlands Residential Mortgage | B | 101 | 78 | 2.0% | 6.63% |
Best approval odds in Cameron County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Directions Equity | 76 | 0.0% |
| 2 | Stonewood Home Lending | 83 | 1.2% |
| 3 | Highlands Residential Mortgage | 80 | 2.5% |
| 4 | Union Home Mortgage | 175 | 4.0% |
| 5 | American Neighborhood Mortgage Acceptance Company | 91 | 4.4% |
| 6 | Fairway Independent Mortgage | 192 | 5.2% |
| 7 | Crosscountry Mortgage | 73 | 5.5% |
| 8 | Synergy One Lending | 112 | 9.8% |
| 9 | CMG Mortgage | 110 | 10.0% |
| 10 | Mortgage Solutions of Colorado | 68 | 10.3% |
What Cameron County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cameron County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,428 | 3,702 | 23.4% | 6.75% | $165,000 |
| 2024 | 7,956 | 4,063 | 23.4% | 6.75% | $175,000 |
| 2025 | 8,212 | 4,175 | 22.1% | 6.63% | $195,000 |
Frequently asked questions
22.1% of applications in Cameron County were denied in 2025, against 19.4% statewide in Texas.
Rocket Mortgage, with 471 applications in 2025 and a denial rate of 23.6%.
The median mortgage application in Cameron County in 2025 was for $195,000; the median property value on originated loans was $275,000.