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Chambers County, Texas · 2025

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

245 lenders acted on 2,573 mortgage applications for properties in Chambers County in 2025. 18.9% were denied (Texas: 19.4%). Median rate on closed loans 6.37%; median loan $285,000; median property value $365,000.

2.6kApplications
18.9%Denial ratestate 19.4%
6.37%Median ratestate 6.50%
$285,000Median loan
$365,000Median property value

Largest lenders in Chambers County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 265237 4.5%6.37%
2 Loandepot.Com D 164122 10.4%4.99%
3 Rocket Mortgage C 10872 23.2%6.56%
4 K. Hovnanian American Mortgage B 9864 19.4%5.88%
5 21st Mortgage F 9214 51.1%9.51%
6 Primelending, a Plainscapital A 8365 4.8%6.25%
7 Community Resource Credit Union C 7736 24.7%6.75%
8 Vanderbilt Mortgage and Finance F 737 50.7%10.50%
9 Triad Financial Services D 515 51.0%11.21%
10 Pulte Mortgage A 5127 19.6%4.75%
11 Guild Mortgage A 4737 2.1%6.25%
12 Inspire Home Loans B 4232 9.5%4.88%
13 Pennymac Loan Services C 3813 15.8%6.63%
14 Grace Home Lending A 3824 0.0%5.49%
15 Mortgage Research Center C 3620 13.9%6.25%
16 CMG Mortgage A 3527 5.7%6.69%
17 Broker Solutions D 3014 10.0%6.38%
18 Cardinal Financial Company, Limited Partnership B 2919 3.5%6.50%
19 Lakeview Loan Servicing C 294 51.7%6.24%
20 Freedom Mortgage B 2813 3.6%5.75%
21 Parkstone Mortgage A 2817 0.0%6.13%
22 Newrez D 289 25.0%7.63%
23 Clm Mortgage A 2722 0.0%5.31%
24 Shell Federal Credit Union D 2713 22.2%7.13%
25 Click n' Close C 2622 0.0%6.63%

Best approval odds in Chambers County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services2514.8%
2Primelending, a Plainscapital775.2%
3Loandepot.Com14012.1%
4K. Hovnanian American Mortgage8322.9%
5Rocket Mortgage10124.8%
6Community Resource Credit Union5534.6%
7Triad Financial Services5151.0%
821st Mortgage6275.8%

What Chambers County borrowers applied for

By loan purpose

Home purchase 1,712 67% · 15.5% denied
Refinance 339 13% · 16.8% denied
Cash-out refinance 261 10% · 22.6% denied
Home improvement 86 3% · 44.2% denied
Other / HELOC 175 7% · 38.3% denied

By loan type

Conventional 1,693 66% · 23.5% denied
FHA 632 25% · 10.0% denied
VA 233 9% · 9.4% denied
USDA / RHS 15 1% · 20.0% denied

Why applications were denied

Credit history 159 33%
Debt-to-income ratio 145 30%
Collateral 55 12%
Incomplete application 39 8%
Other 36 8%
Unverifiable information 20 4%
Insufficient cash 11 2%
Employment history 11 2%

Chambers County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,3351,34319.6%6.38%$265,000
20242,3551,32920.5%6.50%$265,000
20252,5731,49918.9%6.37%$285,000

Frequently asked questions

18.9% of applications in Chambers County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 265 applications in 2025 and a denial rate of 4.5%.

The median mortgage application in Chambers County in 2025 was for $285,000; the median property value on originated loans was $365,000.