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Hidalgo County, Texas · 2025

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

375 lenders acted on 17,146 mortgage applications for properties in Hidalgo County in 2025. 24.1% were denied (Texas: 19.4%). Median rate on closed loans 6.63%; median loan $185,000; median property value $265,000.

17kApplications
24.1%Denial ratestate 19.4%
6.63%Median ratestate 6.50%
$185,000Median loan
$265,000Median property value

Largest lenders in Hidalgo County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rally Credit Union D 1,412467 43.3%6.75%
2 21st Mortgage F 1,072188 55.8%10.62%
3 United Shore Financial Services B 737520 14.4%6.13%
4 CMG Mortgage A 718498 4.9%6.50%
5 Rocket Mortgage C 702457 23.9%6.75%
6 Crosscountry Mortgage B 696392 2.7%6.63%
7 Security Service Federal Credit Union C 585243 26.0%6.99%
8 Synergy One Lending C 417293 7.7%6.63%
9 Stonewood Home Lending A 394324 1.8%5.75%
10 Union Home Mortgage B 387231 7.5%6.38%
11 Bank of America F 36173 58.2%6.49%
12 Movement Mortgage A 355271 2.0%6.63%
13 PNC Bank D 35290 51.4%7.71%
14 Right Start Mortgage D 347248 10.4%6.63%
15 JPMorgan Chase Bank B 338210 10.1%6.50%
16 Freedom Mortgage B 301115 7.3%6.25%
17 Willow Bend Mortgage Company C 274128 2.2%6.63%
18 Lone Star National Bank F 270148 17.4%7.25%
19 Pennymac Loan Services C 269110 14.1%6.31%
20 Paramount Residential Mortgage Group B 266210 3.4%6.25%
21 Directions Equity A 265202 1.9%6.25%
22 Vanderbilt Mortgage and Finance F 25926 43.6%10.99%
23 Mortgage Research Center C 244120 16.4%6.13%
24 Newrez D 24056 36.3%6.81%
25 Lower C 222160 7.2%6.50%

Best approval odds in Hidalgo County

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

#LenderDecidedDecision denial rate
1Nations Lending861.2%
2Stonewood Home Lending3312.1%
3Directions Equity2242.2%
4Movement Mortgage3092.3%
5Interlinc Mortgage Services1022.9%
6Paramount Residential Mortgage Group2194.1%
7Willow Bend Mortgage Company1344.5%
8Crosscountry Mortgage4204.5%
9CMG Mortgage5776.1%
10The Loan Store557.3%

What Hidalgo County borrowers applied for

By loan purpose

Home purchase 9,626 56% · 17.7% denied
Refinance 2,533 15% · 19.5% denied
Cash-out refinance 2,582 15% · 32.0% denied
Home improvement 759 4% · 50.9% denied
Other / HELOC 1,646 10% · 44.2% denied

By loan type

Conventional 11,605 68% · 31.4% denied
FHA 4,239 25% · 8.7% denied
VA 1,189 7% · 9.7% denied
USDA / RHS 113 1% · 4.4% denied

Why applications were denied

Credit history 1,487 36%
Debt-to-income ratio 1,228 30%
Collateral 377 9%
Incomplete application 372 9%
Other 327 8%
Unverifiable information 150 4%
Insufficient cash 124 3%
Employment history 53 1%
Mortgage insurance denied 1 0%

Hidalgo County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202314,6626,77626.5%6.75%$165,000
202415,9637,61124.7%6.75%$175,000
202517,1468,31024.1%6.63%$185,000

Frequently asked questions

24.1% of applications in Hidalgo County were denied in 2025, against 19.4% statewide in Texas.

Rally Credit Union, with 1,412 applications in 2025 and a denial rate of 43.3%.

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