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Fort Bend County, Texas · 2025

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

625 lenders acted on 31,953 mortgage applications for properties in Fort Bend County in 2025. 19.1% were denied (Texas: 19.4%). Median rate on closed loans 6.49%; median loan $295,000; median property value $415,000.

32kApplications
19.1%Denial ratestate 19.4%
6.49%Median ratestate 6.50%
$295,000Median loan
$415,000Median property value

Largest lenders in Fort Bend County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,8462,125 11.5%6.48%
2 Dhi Mortgage Company B 1,8401,221 15.4%3.99%
3 Rocket Mortgage C 1,7991,217 22.1%6.63%
4 Bank of America F 1,017334 43.5%6.24%
5 JPMorgan Chase Bank B 776434 10.3%6.38%
6 Loandepot.Com D 556314 22.3%6.13%
7 Newrez D 536132 22.4%6.63%
8 Broker Solutions D 536263 6.3%6.63%
9 Pennymac Loan Services C 503218 15.5%6.50%
10 Frost Bank C 446217 45.3%7.59%
11 CMG Mortgage A 443277 4.7%6.63%
12 Lennar Mortgage A 421271 24.7%4.38%
13 Navy Federal Credit Union D 380120 29.0%7.95%
14 Freedom Mortgage B 368138 9.0%6.25%
15 The Loan Store B 341216 14.1%6.63%
16 PNC Bank D 340104 40.9%7.75%
17 Regions Bank C 33495 53.6%4.99%
18 Lakeview Loan Servicing C 33142 65.6%6.25%
19 Spring Eq D 31356 62.9%9.43%
20 Discover Bank F 30540 58.4%8.84%
21 Crosscountry Mortgage B 302170 5.3%6.75%
22 AMWEST Funding C 265173 5.7%6.88%
23 Primelending, a Plainscapital A 265209 4.9%5.99%
24 Vanderbilt Mortgage and Finance F 25331 48.6%10.75%
25 Wells Fargo Bank B 25199 25.9%6.38%

Best approval odds in Fort Bend County

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

#LenderDecidedDecision denial rate
1Mortgage Solutions of Colorado520.0%
2Emet Lending Group750.0%
3Legend Lending780.0%
4Cornerstone Mortgage Providers1010.0%
5Parkstone Mortgage860.0%
6Movement Mortgage881.1%
7Cornerstone Capital Bank751.3%
8Crestmark Mortgage Company1291.6%
9Clm Mortgage1731.7%
10NFM521.9%

What Fort Bend County borrowers applied for

By loan purpose

Home purchase 19,116 60% · 11.1% denied
Refinance 4,020 13% · 21.7% denied
Cash-out refinance 3,884 12% · 26.0% denied
Home improvement 1,862 6% · 43.5% denied
Other / HELOC 3,071 10% · 42.2% denied

By loan type

Conventional 24,837 78% · 20.5% denied
FHA 5,444 17% · 15.6% denied
VA 1,602 5% · 10.1% denied
USDA / RHS 70 0% · 5.7% denied

Why applications were denied

Debt-to-income ratio 2,351 39%
Credit history 1,214 20%
Incomplete application 721 12%
Other 671 11%
Collateral 543 9%
Unverifiable information 316 5%
Insufficient cash 193 3%
Employment history 66 1%

Fort Bend County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202328,22015,28220.9%6.50%$285,000
202430,30316,60920.5%6.50%$285,000
202531,95317,62519.1%6.49%$295,000

Frequently asked questions

19.1% of applications in Fort Bend County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 2,846 applications in 2025 and a denial rate of 11.5%.

The median mortgage application in Fort Bend County in 2025 was for $295,000; the median property value on originated loans was $415,000.