Largest lenders in Franklin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Alliance Bank | D | 38 | 18 | 23.7% | — |
| 2 | 21st Mortgage | F | 32 | 8 | 53.1% | 9.56% |
| 3 | Rocket Mortgage | C | 25 | 17 | 24.0% | 6.88% |
| 4 | Highlands Residential Mortgage | B | 18 | 14 | 0.0% | 6.75% |
| 5 | United Shore Financial Services | B | 17 | 11 | 11.8% | 6.63% |
| 6 | Triad Financial Services | D | 17 | 5 | 23.5% | 9.22% |
| 7 | Newrez | D | 15 | 6 | 13.3% | 6.69% |
| 8 | The City National Bank of Sulphur Springs | C | 15 | 11 | 26.7% | 7.25% |
| 9 | Vanderbilt Mortgage and Finance | F | 14 | 2 | 50.0% | 9.49% |
| 10 | First National Bank of East Texas | C | 13 | 9 | 7.7% | — |
| 11 | Pennymac Loan Services | C | 9 | 7 | 11.1% | 6.75% |
| 12 | Mortgage Research Center | C | 8 | 4 | 25.0% | 6.25% |
| 13 | Crosscountry Mortgage | B | 7 | 3 | 14.3% | 7.25% |
| 14 | JPMorgan Chase Bank | B | 6 | 5 | 0.0% | 6.75% |
| 15 | Broker Solutions | D | 6 | 3 | 0.0% | 6.75% |
| 16 | The First National Bank of Winnsboro | – | 5 | 4 | 0.0% | — |
| 17 | FirstBank | C | 5 | 0 | 100.0% | — |
| 18 | Cypress Bank | – | 5 | 3 | 40.0% | — |
| 19 | CMG Mortgage | A | 5 | 1 | 0.0% | 6.63% |
| 20 | Glacier Bank | D | 5 | 4 | 0.0% | 6.94% |
| 21 | Loandepot.Com | D | 5 | 1 | 20.0% | 7.75% |
| 22 | Guaranty Bank & Trust | B | 5 | 5 | 0.0% | 6.99% |
| 23 | Southwest Stage Funding | F | 5 | 2 | 0.0% | 7.68% |
What Franklin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Franklin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 433 | 227 | 24.7% | 7.00% | $155,000 |
| 2024 | 391 | 219 | 20.7% | 7.25% | $185,000 |
| 2025 | 446 | 230 | 21.3% | 6.88% | $180,000 |
Frequently asked questions
21.3% of applications in Franklin County were denied in 2025, against 19.4% statewide in Texas.
Alliance Bank, with 38 applications in 2025 and a denial rate of 23.7%.
The median mortgage application in Franklin County in 2025 was for $180,000; the median property value on originated loans was $335,000.