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Denton County, Texas · 2025

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

727 lenders acted on 42,951 mortgage applications for properties in Denton County in 2025. 16.0% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $345,000; median property value $495,000.

43kApplications
16.0%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$345,000Median loan
$495,000Median property value

Largest lenders in Denton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 4,3873,396 9.6%6.13%
2 Rocket Mortgage C 2,0291,427 20.1%6.63%
3 Dhi Mortgage Company B 1,9411,352 13.0%4.50%
4 Lennar Mortgage A 1,5571,139 18.8%4.63%
5 Bank of America F 1,148464 37.5%6.24%
6 Pennymac Loan Services C 872427 12.7%6.49%
7 Crosscountry Mortgage B 825572 3.3%6.75%
8 Frost Bank C 806458 38.6%7.76%
9 JPMorgan Chase Bank B 796495 8.9%6.38%
10 Newrez D 710204 17.8%6.50%
11 Primelending, a Plainscapital A 697510 4.9%5.99%
12 Loandepot.Com D 635400 20.5%5.63%
13 Freedom Mortgage B 546234 4.4%6.13%
14 21st Mortgage F 50492 51.4%10.20%
15 Datcu F 501271 24.6%7.25%
16 Lakeview Loan Servicing C 49083 60.6%6.13%
17 CMG Mortgage A 482318 2.3%6.50%
18 Fairway Independent Mortgage B 476343 2.9%6.63%
19 Ark-La-Tex Financial Services, LLC. A 475351 1.9%6.50%
20 Credit Union of Texas C 468291 25.6%7.80%
21 PNC Bank D 456202 33.1%7.94%
22 Navy Federal Credit Union D 454172 25.8%6.63%
23 Spring Eq D 446105 58.7%9.45%
24 Everett Financial C 428208 2.6%6.81%
25 Taylor Morrison Home Funding A 398347 9.1%5.49%

Best approval odds in Denton County

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

#LenderDecidedDecision denial rate
1Swbc Mortgage500.0%
2Integrity Mortgage Corporation of Texas520.0%
3The Mortgage Link620.0%
4Republic State Mortgage730.0%
5Priority Home Mortgage1720.0%
6Highlands Residential Mortgage2480.8%
7American National Bank & Trust961.0%
8Highland Homeloans871.2%
9First Bank781.3%
10Prosperity Home Mortgage1251.6%

What Denton County borrowers applied for

By loan purpose

Home purchase 23,875 56% · 9.3% denied
Refinance 8,370 19% · 16.8% denied
Cash-out refinance 5,112 12% · 20.3% denied
Home improvement 2,229 5% · 37.6% denied
Other / HELOC 3,365 8% · 40.5% denied

By loan type

Conventional 34,142 79% · 16.9% denied
FHA 5,858 14% · 13.4% denied
VA 2,875 7% · 9.8% denied
USDA / RHS 76 0% · 10.5% denied

Why applications were denied

Debt-to-income ratio 2,452 36%
Credit history 1,226 18%
Incomplete application 957 14%
Other 823 12%
Collateral 776 11%
Unverifiable information 326 5%
Insufficient cash 205 3%
Employment history 73 1%

Denton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202340,56523,42417.3%6.50%$335,000
202440,32624,35715.8%6.63%$345,000
202542,95125,93216.0%6.38%$345,000

Frequently asked questions

16.0% of applications in Denton County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 4,387 applications in 2025 and a denial rate of 9.6%.

The median mortgage application in Denton County in 2025 was for $345,000; the median property value on originated loans was $495,000.