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Ellis County, Texas · 2025

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

468 lenders acted on 10,653 mortgage applications for properties in Ellis County in 2025. 17.2% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $315,000; median property value $425,000.

11kApplications
17.2%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$315,000Median loan
$425,000Median property value

Largest lenders in Ellis County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 559430 9.8%6.25%
2 Rocket Mortgage C 548377 20.4%6.75%
3 Dhi Mortgage Company B 399276 15.3%3.99%
4 Crosscountry Mortgage B 288214 1.4%6.41%
5 Freedom Mortgage B 254122 5.9%5.99%
6 Lennar Mortgage A 227146 23.8%4.25%
7 Sfmc B 217166 1.4%5.63%
8 21st Mortgage F 21326 46.5%9.67%
9 Newrez D 20687 15.5%5.75%
10 Pennymac Loan Services C 20093 10.5%6.12%
11 Gateway First Bank B 199143 3.5%6.63%
12 Navy Federal Credit Union D 19670 26.5%6.88%
13 Primelending, a Plainscapital A 189136 8.5%5.99%
14 Guild Mortgage A 181118 7.7%6.50%
15 CMG Mortgage A 176103 4.6%6.00%
16 Frost Bank C 16777 47.3%7.66%
17 Mortgage Research Center C 15566 21.3%6.13%
18 Loandepot.Com D 15285 20.4%6.38%
19 Everett Financial C 14967 2.7%6.50%
20 Fairway Independent Mortgage B 149100 8.7%6.63%
21 Highlands Residential Mortgage B 149108 0.7%6.50%
22 Vanderbilt Mortgage and Finance F 14517 46.9%10.75%
23 Bank of America F 14447 39.6%6.25%
24 Trinity Oaks Mortgage B 139110 4.3%6.25%
25 JPMorgan Chase Bank B 12475 7.3%6.38%

Best approval odds in Ellis County

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

#LenderDecidedDecision denial rate
1Clm Mortgage520.0%
2Brookhollow Mortgage Services610.0%
3Unnamed lender 2549004YKXDDHUWUOH37800.0%
4Highlands Residential Mortgage1120.9%
5Sfmc1991.5%
6Cornerstone Capital Bank621.6%
7Crosscountry Mortgage2191.8%
8Gateway First Bank1514.6%
9Lower785.1%
10Trinity Oaks Mortgage1175.1%

What Ellis County borrowers applied for

By loan purpose

Home purchase 6,475 61% · 12.3% denied
Refinance 1,669 16% · 16.1% denied
Cash-out refinance 1,300 12% · 23.1% denied
Home improvement 512 5% · 39.7% denied
Other / HELOC 697 7% · 38.3% denied

By loan type

Conventional 6,616 62% · 21.1% denied
FHA 2,538 24% · 11.7% denied
VA 1,477 14% · 9.4% denied
USDA / RHS 22 0% · 18.2% denied

Why applications were denied

Debt-to-income ratio 537 30%
Credit history 526 29%
Incomplete application 208 11%
Collateral 201 11%
Other 185 10%
Unverifiable information 80 4%
Insufficient cash 56 3%
Employment history 19 1%
Mortgage insurance denied 1 0%

Ellis County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,3545,04522.6%6.63%$285,000
202410,0025,68719.4%6.50%$305,000
202510,6536,16617.2%6.38%$315,000

Frequently asked questions

17.2% of applications in Ellis County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 559 applications in 2025 and a denial rate of 9.8%.

The median mortgage application in Ellis County in 2025 was for $315,000; the median property value on originated loans was $425,000.