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Grimes County, Texas · 2025

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

209 lenders acted on 1,420 mortgage applications for properties in Grimes County in 2025. 28.6% were denied (Texas: 19.4%). Median rate on closed loans 6.75%; median loan $205,000; median property value $375,000.

1.4kApplications
28.6%Denial ratestate 19.4%
6.75%Median ratestate 6.50%
$205,000Median loan
$375,000Median property value

Largest lenders in Grimes County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 15442 41.6%9.65%
2 Vanderbilt Mortgage and Finance F 10317 46.6%10.50%
3 Triad Financial Services D 9311 62.4%8.61%
4 Rocket Mortgage C 6437 32.8%6.75%
5 United Shore Financial Services B 5740 17.5%6.13%
6 Credit Human Federal Credit Union D 4610 65.2%8.45%
7 Prosperity Bank D 2613 34.6%6.99%
8 CMG Mortgage A 2516 8.0%6.25%
9 JPMorgan Chase Bank B 2410 12.5%6.31%
10 Unnamed lender 549300UK9R93LGQHOV21 A 2222 0.0%5.25%
11 First Financial Bank C 2117 9.5%6.85%
12 Tammac Holdings D 211 76.2%11.55%
13 Mortgage Research Center C 2113 14.3%6.13%
14 Southwest Stage Funding F 214 19.1%8.68%
15 Citizens State Bank B 2014 5.0%—
16 Broker Solutions D 1913 5.3%7.13%
17 Inspire Home Loans B 1712 11.8%4.88%
18 PNC Bank D 166 62.5%7.95%
19 Kind Lending C 1611 18.8%6.63%
20 Centennial Bank D 1510 0.0%7.19%
21 FirstBank C 141 64.3%8.74%
22 Freedom Mortgage B 148 14.3%6.19%
23 Newrez D 145 28.6%6.25%
24 Kiavi Funding D 141 0.0%7.13%
25 Pennymac Loan Services C 133 46.2%6.50%

Best approval odds in Grimes County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services5119.6%
2Rocket Mortgage5935.6%
321st Mortgage10759.8%
4Triad Financial Services9362.4%
5Vanderbilt Mortgage and Finance6672.7%

What Grimes County borrowers applied for

By loan purpose

Home purchase 973 69% · 28.9% denied
Refinance 194 14% · 16.5% denied
Cash-out refinance 134 9% · 28.4% denied
Home improvement 59 4% · 52.5% denied
Other / HELOC 60 4% · 40.0% denied

By loan type

Conventional 1,139 80% · 32.8% denied
FHA 173 12% · 13.9% denied
VA 100 7% · 8.0% denied
USDA / RHS 8 1% · 12.5% denied

Why applications were denied

Credit history 159 40%
Debt-to-income ratio 120 30%
Collateral 39 10%
Other 27 7%
Unverifiable information 20 5%
Incomplete application 19 5%
Insufficient cash 13 3%
Employment history 5 1%

Grimes County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,24454327.9%6.88%$185,000
20241,35764627.8%6.74%$205,000
20251,42064628.6%6.75%$205,000

Frequently asked questions

28.6% of applications in Grimes County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 154 applications in 2025 and a denial rate of 41.6%.

The median mortgage application in Grimes County in 2025 was for $205,000; the median property value on originated loans was $375,000.