Largest lenders in Falls County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 62 | 13 | 50.0% | 10.32% |
| 2 | Triad Financial Services | D | 26 | 5 | 50.0% | 9.60% |
| 3 | Fairway Independent Mortgage | B | 19 | 14 | 5.3% | 6.56% |
| 4 | Vanderbilt Mortgage and Finance | F | 19 | 0 | 52.6% | — |
| 5 | Incommons Bank | – | 15 | 4 | 53.3% | — |
| 6 | United Shore Financial Services | B | 14 | 10 | 7.1% | 6.46% |
| 7 | Rocket Mortgage | C | 14 | 3 | 64.3% | 6.99% |
| 8 | Mortgage Research Center | C | 14 | 7 | 7.1% | 6.75% |
| 9 | PNC Bank | D | 10 | 1 | 80.0% | 8.18% |
| 10 | AmeriSave Mortgage | D | 10 | 1 | 70.0% | 8.25% |
| 11 | Swbc Mortgage | A | 10 | 10 | 0.0% | 6.63% |
| 12 | The First National Bank of Hughes Springs | A | 9 | 9 | 0.0% | — |
| 13 | Cadence Bank | B | 8 | 2 | 62.5% | 6.81% |
| 14 | Southwest Stage Funding | F | 7 | 4 | 0.0% | 7.95% |
| 15 | Classic Bank | – | 7 | 6 | 0.0% | — |
| 16 | Movement Mortgage | A | 6 | 3 | 0.0% | 8.38% |
| 17 | Churchill Mortgage | B | 6 | 3 | 0.0% | 6.50% |
| 18 | TEXELL Credit Union | D | 6 | 4 | 0.0% | 6.00% |
| 19 | Loandepot.Com | D | 6 | 2 | 50.0% | 7.00% |
| 20 | Bank of America | F | 5 | 2 | 20.0% | 6.49% |
| 21 | Broker Solutions | D | 5 | 3 | 0.0% | 6.88% |
| 22 | Navy Federal Credit Union | D | 5 | 4 | 0.0% | 5.75% |
| 23 | Members Choice of Central Texas Federal Credit Union | – | 5 | 4 | 20.0% | 6.58% |
What Falls County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Falls County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 407 | 182 | 32.2% | 7.13% | $145,000 |
| 2024 | 459 | 158 | 34.2% | 6.90% | $145,000 |
| 2025 | 466 | 194 | 29.6% | 6.78% | $145,000 |
Frequently asked questions
29.6% of applications in Falls County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 62 applications in 2025 and a denial rate of 50.0%.
The median mortgage application in Falls County in 2025 was for $145,000; the median property value on originated loans was $245,000.