Mortgage Lenders in Gaines County, TX (2025): Denial Rates & Top Lenders

Largest lenders in Gaines County

#	Lender	Grade	Applications	Originated	Denial rate	Median rate
1	21st Mortgage	F	401	79	42.1%	9.44%
2	Rocket Mortgage	C	53	41	17.0%	6.49%
3	Triad Financial Services	D	49	14	46.9%	8.65%
4	Ark-La-Tex Financial Services, LLC.	A	48	44	2.1%	6.25%
5	Countryplace Mortgage	F	29	0	69.0%	—
6	Paramount Residential Mortgage Group	B	27	23	0.0%	6.99%
7	First United Bank	A	23	22	4.4%	6.75%
8	Vanderbilt Mortgage and Finance	F	22	1	40.9%	10.75%
9	West Texas National Bank	D	19	10	31.6%	—
10	Southwest Stage Funding	F	19	7	15.8%	8.00%
11	United Shore Financial Services	B	17	12	17.7%	6.53%
12	Cardinal Financial Company, Limited Partnership	B	15	7	0.0%	6.88%
13	American Momentum Bank	D	15	5	26.7%	—
14	Tammac Holdings	D	13	1	84.6%	10.30%
15	Broker Solutions	D	13	3	15.4%	7.19%
16	Mortgage Research Center	C	12	8	8.3%	6.38%
17	Pennymac Loan Services	C	11	2	0.0%	6.50%
18	Highlands Residential Mortgage	B	11	8	0.0%	7.06%
19	JPMorgan Chase Bank	B	10	8	10.0%	6.56%
20	Crosscountry Mortgage	B	10	7	0.0%	7.24%
21	Freedom Mortgage	B	10	4	0.0%	6.63%
22	Geneva Financial	C	10	6	0.0%	6.81%
23	City Bank	C	9	7	22.2%	6.88%
24	Click n' Close	C	9	4	22.2%	6.88%
25	Primelending, a Plainscapital	A	9	8	0.0%	6.88%

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

#	Lender	Decided	Decision denial rate
1	Rocket Mortgage	51	17.7%
2	21st Mortgage	254	66.5%

Home purchase 863 80% · 29.7% denied

Refinance 89 8% · 19.1% denied

Cash-out refinance 84 8% · 26.2% denied

Home improvement 20 2% · 45.0% denied

Other / HELOC 28 3% · 28.6% denied

Conventional 880 81% · 34.2% denied

FHA 162 15% · 5.6% denied

VA 36 3% · 5.6% denied

USDA / RHS 6 1% · 0.0% denied

Credit history 150 49%

Debt-to-income ratio 78 25%

Incomplete application 26 8%

Other 18 6%

Unverifiable information 11 4%

Collateral 11 4%

Insufficient cash 8 3%

Employment history 6 2%

Year	Applications	Originated	Denial rate	Median rate	Median loan
2023	623	259	35.0%	7.13%	$165,000
2024	825	373	29.5%	7.00%	$185,000
2025	1,084	451	28.8%	6.88%	$185,000

What is the mortgage denial rate in Gaines County, TX?

28.8% of applications in Gaines County were denied in 2025, against 19.4% statewide in Texas.

Who is the largest mortgage lender in Gaines County?

21st Mortgage, with 401 applications in 2025 and a denial rate of 42.1%.

What is the typical loan size in Gaines County?

The median mortgage application in Gaines County in 2025 was for $185,000; the median property value on originated loans was $265,000.