Largest lenders in Gonzales County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 103 | 28 | 43.7% | 9.42% |
| 2 | Randolph-Brooks Federal Credit Union | C | 61 | 29 | 23.0% | 7.00% |
| 3 | Vanderbilt Mortgage and Finance | F | 59 | 7 | 54.2% | 9.75% |
| 4 | Triad Financial Services | D | 49 | 7 | 49.0% | 8.03% |
| 5 | Credit Human Federal Credit Union | D | 24 | 4 | 75.0% | 8.35% |
| 6 | United Shore Financial Services | B | 24 | 15 | 12.5% | 6.00% |
| 7 | Southwest Stage Funding | F | 22 | 11 | 13.6% | 7.88% |
| 8 | Rocket Mortgage | C | 19 | 11 | 15.8% | 6.63% |
| 9 | FirstBank | C | 16 | 3 | 75.0% | 9.54% |
| 10 | Sage Capital Bank | – | 16 | 15 | 0.0% | — |
| 11 | SouthStar Bank, S.S.B. | D | 15 | 9 | 26.7% | — |
| 12 | Tammac Holdings | D | 10 | 0 | 80.0% | — |
| 13 | Mortgage Research Center | C | 10 | 3 | 40.0% | 6.50% |
| 14 | Countryplace Mortgage | F | 10 | 0 | 60.0% | — |
| 15 | Cadence Bank | B | 8 | 4 | 25.0% | 7.48% |
| 16 | Calcon Mutual Mortgage | D | 8 | 3 | 12.5% | 7.13% |
| 17 | Prosperity Bank | D | 8 | 3 | 37.5% | 7.88% |
| 18 | Loandepot.Com | D | 7 | 3 | 14.3% | 6.99% |
| 19 | AmeriSave Mortgage | D | 6 | 1 | 66.7% | 6.38% |
| 20 | Cardinal Financial Company, Limited Partnership | B | 6 | 3 | 33.3% | 5.50% |
| 21 | Guild Mortgage | A | 6 | 2 | 16.7% | 6.00% |
| 22 | CMG Mortgage | A | 5 | 3 | 0.0% | 6.81% |
Best approval odds in Gonzales County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 74 | 60.8% |
What Gonzales County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gonzales County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 553 | 183 | 33.5% | 7.00% | $155,000 |
| 2024 | 503 | 195 | 29.0% | 7.13% | $145,000 |
| 2025 | 623 | 231 | 36.0% | 7.13% | $145,000 |
Frequently asked questions
36.0% of applications in Gonzales County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 103 applications in 2025 and a denial rate of 43.7%.
The median mortgage application in Gonzales County in 2025 was for $145,000; the median property value on originated loans was $255,000.