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Camp County, Texas · 2025

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

104 lenders acted on 429 mortgage applications for properties in Camp County in 2025. 23.1% were denied (Texas: 19.4%). Median rate on closed loans 6.75%; median loan $155,000; median property value $255,000.

429Applications
23.1%Denial ratestate 19.4%
6.75%Median ratestate 6.50%
$155,000Median loan
$255,000Median property value

Largest lenders in Camp County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 357 45.7%9.03%
2 Cypress Bank – 2712 25.9%—
3 Rocket Mortgage C 2314 39.1%6.56%
4 Vanderbilt Mortgage and Finance F 237 26.1%9.25%
5 Highlands Residential Mortgage B 2013 0.0%6.63%
6 Triad Financial Services D 150 53.3%—
7 United Shore Financial Services B 137 7.7%6.50%
8 Efinity Financial D 1310 0.0%6.31%
9 Guaranty Bank & Trust B 129 8.3%6.63%
10 The City National Bank of Sulphur Springs C 1210 8.3%7.06%
11 Mortgage Research Center C 118 0.0%6.19%
12 Pennymac Loan Services C 105 20.0%6.88%
13 Guild Mortgage A 86 0.0%6.93%
14 EAST TEXAS PROFESSIONAL Credit Union D 77 0.0%7.00%
15 CMG Mortgage A 75 0.0%6.00%
16 Newrez D 75 28.6%6.50%
17 Eastman Credit Union D 75 14.3%7.25%
18 Southwest Stage Funding F 71 0.0%9.85%
19 Credit Human Federal Credit Union D 60 83.3%—
20 Pilgrim Bank – 65 0.0%—
21 Broker Solutions D 63 16.7%6.25%
22 Texas Mortgage Lending C 62 33.3%6.08%
23 Alliance Bank D 61 33.3%—
24 Credit Union of Texas C 65 16.7%7.50%
25 Fairway Independent Mortgage B 50 0.0%—

What Camp County borrowers applied for

By loan purpose

Home purchase 279 65% · 23.3% denied
Refinance 41 10% · 17.1% denied
Cash-out refinance 63 15% · 25.4% denied
Home improvement 20 5% · 20.0% denied
Other / HELOC 26 6% · 26.9% denied

By loan type

Conventional 327 76% · 27.5% denied
FHA 58 14% · 6.9% denied
VA 35 8% · 8.6% denied
USDA / RHS 9 2% · 22.2% denied

Why applications were denied

Credit history 35 36%
Debt-to-income ratio 27 28%
Collateral 13 13%
Other 12 12%
Incomplete application 7 7%
Insufficient cash 2 2%
Unverifiable information 1 1%

Camp County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202340521124.7%7.13%$155,000
202442821126.4%7.13%$145,000
202542920523.1%6.75%$155,000

Frequently asked questions

23.1% of applications in Camp County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 35 applications in 2025 and a denial rate of 45.7%.

The median mortgage application in Camp County in 2025 was for $155,000; the median property value on originated loans was $255,000.