Largest lenders in Erath County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | C | 96 | 66 | 13.5% | 6.90% |
| 2 | 21st Mortgage | F | 81 | 19 | 43.2% | 10.01% |
| 3 | Rocket Mortgage | C | 67 | 44 | 23.9% | 6.69% |
| 4 | Guild Mortgage | A | 61 | 44 | 3.3% | 6.81% |
| 5 | InterBank | C | 38 | 20 | 15.8% | 7.50% |
| 6 | Members Trust of the Southwest FCU | – | 38 | 28 | 2.6% | 6.50% |
| 7 | United Shore Financial Services | B | 32 | 21 | 15.6% | 6.13% |
| 8 | American Neighborhood Mortgage Acceptance Company | B | 31 | 22 | 0.0% | 7.25% |
| 9 | Triad Financial Services | D | 26 | 5 | 53.9% | 8.78% |
| 10 | TexasBank | C | 26 | 23 | 0.0% | 6.88% |
| 11 | Securitynational Mortgage | D | 19 | 14 | 10.5% | 7.50% |
| 12 | Mortgage Research Center | C | 18 | 11 | 22.2% | 6.25% |
| 13 | Newrez | D | 16 | 8 | 25.0% | 6.99% |
| 14 | Navy Federal Credit Union | D | 16 | 3 | 12.5% | 7.00% |
| 15 | Citizens National Bank of Texas | D | 14 | 10 | 14.3% | — |
| 16 | Lakeview Loan Servicing | C | 14 | 5 | 57.1% | 6.13% |
| 17 | Guaranteed Rate | B | 13 | 7 | 0.0% | 6.55% |
| 18 | Pennymac Loan Services | C | 12 | 3 | 8.3% | 6.88% |
| 19 | Highlands Residential Mortgage | B | 12 | 8 | 8.3% | 6.99% |
| 20 | Southwest Stage Funding | F | 12 | 1 | 16.7% | 7.90% |
| 21 | Bank of America | F | 11 | 2 | 63.6% | 5.75% |
| 22 | Loandepot.Com | D | 11 | 7 | 27.3% | 6.75% |
| 23 | Gateway First Bank | B | 11 | 8 | 0.0% | 6.38% |
| 24 | Cornerstone Capital Bank | A | 10 | 7 | 0.0% | 6.75% |
| 25 | Frost Bank | C | 9 | 6 | 33.3% | 6.47% |
Best approval odds in Erath County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Financial Bank | 79 | 16.5% |
| 2 | Rocket Mortgage | 62 | 25.8% |
| 3 | 21st Mortgage | 54 | 64.8% |
What Erath County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Erath County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,067 | 582 | 21.7% | 7.13% | $195,000 |
| 2024 | 1,012 | 583 | 18.0% | 7.13% | $205,000 |
| 2025 | 1,092 | 598 | 19.2% | 6.88% | $225,000 |
Frequently asked questions
19.2% of applications in Erath County were denied in 2025, against 19.4% statewide in Texas.
First Financial Bank, with 96 applications in 2025 and a denial rate of 13.5%.
The median mortgage application in Erath County in 2025 was for $225,000; the median property value on originated loans was $375,000.