Largest lenders in Fannin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage | A | 124 | 97 | 1.6% | 6.63% |
| 2 | 21st Mortgage | F | 108 | 20 | 34.3% | 8.97% |
| 3 | Rocket Mortgage | C | 82 | 61 | 17.1% | 6.75% |
| 4 | First United Bank and Trust | C | 65 | 44 | 12.3% | 7.13% |
| 5 | United Shore Financial Services | B | 63 | 43 | 19.1% | 6.00% |
| 6 | Triad Financial Services | D | 49 | 3 | 38.8% | 10.50% |
| 7 | Vanderbilt Mortgage and Finance | F | 43 | 5 | 34.9% | 10.25% |
| 8 | Credit Union of Texas | C | 31 | 16 | 41.9% | 7.88% |
| 9 | Legend Bank | C | 30 | 23 | 13.3% | — |
| 10 | Mortgage Research Center | C | 27 | 15 | 11.1% | 6.25% |
| 11 | Newrez | D | 25 | 9 | 20.0% | 5.99% |
| 12 | Pennymac Loan Services | C | 21 | 15 | 9.5% | 6.49% |
| 13 | Crosscountry Mortgage | B | 21 | 14 | 9.5% | 6.69% |
| 14 | Credit Human Federal Credit Union | D | 19 | 0 | 79.0% | — |
| 15 | Southwest Stage Funding | F | 19 | 5 | 15.8% | 8.60% |
| 16 | Freedom Mortgage | B | 18 | 8 | 22.2% | 6.31% |
| 17 | Kind Lending | C | 17 | 11 | 29.4% | 6.44% |
| 18 | Loandepot.Com | D | 17 | 9 | 35.3% | 7.38% |
| 19 | American Portfolio Mortgage | C | 16 | 14 | 6.3% | 6.75% |
| 20 | Countryplace Mortgage | F | 16 | 1 | 43.8% | 5.25% |
| 21 | Navy Federal Credit Union | D | 16 | 7 | 12.5% | 7.65% |
| 22 | JPMorgan Chase Bank | B | 15 | 8 | 20.0% | 6.75% |
| 23 | Guaranteed Rate | B | 15 | 6 | 20.0% | 6.76% |
| 24 | United Built Homes | F | 14 | 3 | 14.3% | 8.99% |
| 25 | Farm Credit Mid-America | D | 14 | 6 | 7.1% | 6.88% |
Best approval odds in Fannin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 104 | 1.9% |
| 2 | First United Bank and Trust | 52 | 15.4% |
| 3 | Rocket Mortgage | 79 | 17.7% |
| 4 | United Shore Financial Services | 55 | 21.8% |
| 5 | 21st Mortgage | 57 | 64.9% |
What Fannin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fannin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,356 | 608 | 27.9% | 7.13% | $175,000 |
| 2024 | 1,458 | 732 | 22.6% | 6.99% | $195,000 |
| 2025 | 1,474 | 759 | 20.1% | 6.75% | $215,000 |
Frequently asked questions
20.1% of applications in Fannin County were denied in 2025, against 19.4% statewide in Texas.
Guild Mortgage, with 124 applications in 2025 and a denial rate of 1.6%.
The median mortgage application in Fannin County in 2025 was for $215,000; the median property value on originated loans was $335,000.