Mortgage Lenders in Cass County, TX (2025): Denial Rates & Top Lenders

Largest lenders in Cass County

#	Lender	Grade	Applications	Originated	Denial rate	Median rate
1	21st Mortgage	F	126	20	42.9%	9.68%
2	Vanderbilt Mortgage and Finance	F	86	20	43.0%	10.25%
3	Triad Financial Services	D	68	9	52.9%	8.80%
4	Rocket Mortgage	C	49	26	30.6%	6.69%
5	Red River Employees Federal Credit Union	C	34	32	5.9%	—
6	Regions Bank	C	32	5	75.0%	7.25%
7	The First National Bank of Hughes Springs	A	27	23	0.0%	—
8	United Shore Financial Services	B	25	20	12.0%	6.50%
9	Credit Human Federal Credit Union	D	24	4	62.5%	8.35%
10	Highlands Residential Mortgage	B	20	16	0.0%	6.50%
11	The City National Bank of Sulphur Springs	C	20	15	10.0%	7.75%
12	United Built Homes	F	19	2	36.8%	8.99%
13	Mortgage Research Center	C	19	5	36.8%	6.25%
14	State Bank of De Kalb	B	18	9	22.2%	—
15	Southwest Stage Funding	F	18	6	5.6%	8.20%
16	Loandepot.Com	D	17	6	47.1%	7.19%
17	FirstBank	C	16	1	62.5%	8.79%
18	Pennymac Loan Services	C	15	4	33.3%	6.69%
19	Crosscountry Mortgage	B	14	9	0.0%	6.63%
20	Texar Federal Credit Union	–	14	13	7.1%	6.50%
21	EAST TEXAS PROFESSIONAL Credit Union	D	13	12	0.0%	6.88%
22	Fairway Independent Mortgage	B	12	7	8.3%	7.00%
23	Mortgage Financial Services	B	11	11	0.0%	6.63%
24	Navy Federal Credit Union	D	11	2	27.3%	6.76%
25	Broker Solutions	D	10	2	30.0%	7.31%

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

#	Lender	Decided	Decision denial rate
1	Triad Financial Services	68	52.9%
2	Vanderbilt Mortgage and Finance	57	64.9%
3	21st Mortgage	77	70.1%

Home purchase 659 65% · 29.7% denied

Refinance 114 11% · 22.8% denied

Cash-out refinance 114 11% · 21.9% denied

Home improvement 54 5% · 40.7% denied

Other / HELOC 69 7% · 34.8% denied

Conventional 810 80% · 33.5% denied

FHA 104 10% · 14.4% denied

VA 76 8% · 7.9% denied

USDA / RHS 20 2% · 5.0% denied

Credit history 132 46%

Debt-to-income ratio 69 24%

Incomplete application 20 7%

Unverifiable information 20 7%

Collateral 20 7%

Other 16 6%

Insufficient cash 8 3%

Year	Applications	Originated	Denial rate	Median rate	Median loan
2023	844	359	28.8%	7.25%	$125,000
2024	832	394	28.4%	7.00%	$135,000
2025	1,010	444	29.0%	6.88%	$135,000

What is the mortgage denial rate in Cass County, TX?

29.0% of applications in Cass County were denied in 2025, against 19.4% statewide in Texas.

Who is the largest mortgage lender in Cass County?

21st Mortgage, with 126 applications in 2025 and a denial rate of 42.9%.

What is the typical loan size in Cass County?

The median mortgage application in Cass County in 2025 was for $135,000; the median property value on originated loans was $205,000.