Largest lenders in Deaf Smith County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 42 | 4 | 45.2% | 8.88% |
| 2 | FirstBank Southwest | D | 41 | 26 | 24.4% | 6.89% |
| 3 | First Financial Bank | C | 29 | 17 | 24.1% | 6.90% |
| 4 | Fairway Independent Mortgage | B | 28 | 21 | 3.6% | 6.63% |
| 5 | Triad Financial Services | D | 27 | 3 | 55.6% | 10.75% |
| 6 | Amarillo National Bank | C | 26 | 13 | 19.2% | 7.25% |
| 7 | Primelending, a Plainscapital | A | 23 | 18 | 8.7% | 6.50% |
| 8 | Vanderbilt Mortgage and Finance | F | 23 | 3 | 47.8% | 10.25% |
| 9 | Credit Human Federal Credit Union | D | 15 | 0 | 93.3% | — |
| 10 | First National Bank of Hereford | – | 15 | 12 | 13.3% | — |
| 11 | Rocket Mortgage | C | 13 | 10 | 15.4% | 6.93% |
| 12 | United Shore Financial Services | B | 10 | 7 | 30.0% | 6.62% |
| 13 | Centennial Bank | D | 9 | 4 | 22.2% | 6.75% |
| 14 | Education Credit Union | B | 8 | 6 | 0.0% | 7.25% |
| 15 | Southwest Stage Funding | F | 7 | 2 | 0.0% | 8.00% |
| 16 | Newrez | D | 6 | 1 | 66.7% | 7.63% |
| 17 | Tammac Holdings | D | 6 | 0 | 100.0% | — |
| 18 | Mortgage Research Center | C | 6 | 3 | 0.0% | 5.75% |
| 19 | Pennymac Loan Services | C | 5 | 2 | 20.0% | 5.50% |
| 20 | Union Home Mortgage | B | 5 | 2 | 20.0% | 6.50% |
| 21 | Planet Home Lending | B | 5 | 5 | 0.0% | 5.88% |
What Deaf Smith County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Deaf Smith County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 381 | 171 | 31.0% | 6.88% | $135,000 |
| 2024 | 354 | 170 | 28.3% | 6.99% | $135,000 |
| 2025 | 423 | 187 | 29.6% | 6.75% | $135,000 |
Frequently asked questions
29.6% of applications in Deaf Smith County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 42 applications in 2025 and a denial rate of 45.2%.
The median mortgage application in Deaf Smith County in 2025 was for $135,000; the median property value on originated loans was $205,000.