Largest lenders in Gray County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | FirstBank Southwest | D | 61 | 45 | 13.1% | 7.53% |
| 2 | Rocket Mortgage | C | 29 | 21 | 20.7% | 6.75% |
| 3 | DAS Acquisition Company | B | 27 | 21 | 0.0% | 6.63% |
| 4 | Amarillo National Bank | C | 25 | 18 | 4.0% | 6.38% |
| 5 | 21st Mortgage | F | 22 | 3 | 27.3% | 9.45% |
| 6 | Centennial Bank | D | 16 | 8 | 18.8% | 6.69% |
| 7 | Eustis Mortgage | B | 15 | 11 | 6.7% | 6.63% |
| 8 | Ranlife | B | 14 | 12 | 0.0% | 6.68% |
| 9 | Mortgage Research Center | C | 14 | 9 | 7.1% | 6.50% |
| 10 | ACFCU Federal Credit Union | D | 13 | 8 | 7.7% | 6.74% |
| 11 | Equity Prime Mortgage | D | 13 | 8 | 15.4% | 6.44% |
| 12 | Vanderbilt Mortgage and Finance | F | 10 | 0 | 40.0% | — |
| 13 | UMB Bank | B | 9 | 1 | 44.4% | 6.13% |
| 14 | Broker Solutions | D | 9 | 3 | 22.2% | 6.88% |
| 15 | United Shore Financial Services | B | 8 | 5 | 0.0% | 7.50% |
| 16 | Pennymac Loan Services | C | 7 | 2 | 0.0% | 7.06% |
| 17 | Right Start Mortgage | D | 7 | 5 | 14.3% | 7.13% |
| 18 | AmeriSave Mortgage | D | 6 | 1 | 66.7% | 5.00% |
| 19 | Alliance Credit Union | C | 6 | 4 | 0.0% | 6.31% |
| 20 | The Mortgage Link | B | 6 | 4 | 0.0% | 6.93% |
| 21 | Triad Financial Services | D | 6 | 1 | 33.3% | 12.75% |
Best approval odds in Gray County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | FirstBank Southwest | 54 | 14.8% |
What Gray County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Gray County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 420 | 225 | 19.1% | 6.99% | $115,000 |
| 2024 | 425 | 231 | 21.7% | 6.75% | $115,000 |
| 2025 | 447 | 253 | 16.8% | 6.75% | $125,000 |
Frequently asked questions
16.8% of applications in Gray County were denied in 2025, against 19.4% statewide in Texas.
FirstBank Southwest, with 61 applications in 2025 and a denial rate of 13.1%.
The median mortgage application in Gray County in 2025 was for $125,000; the median property value on originated loans was $165,000.