Largest lenders in Hood County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 236 | 44 | 38.6% | 9.73% |
| 2 | Rocket Mortgage | C | 201 | 148 | 16.9% | 6.75% |
| 3 | United Shore Financial Services | B | 187 | 136 | 13.4% | 6.13% |
| 4 | The First National Bank of Granbury | A | 117 | 105 | 2.6% | — |
| 5 | First Financial Bank | C | 100 | 77 | 7.0% | 6.75% |
| 6 | Dhi Mortgage Company | B | 89 | 57 | 18.0% | 4.50% |
| 7 | Loandepot.Com | D | 86 | 56 | 17.4% | 6.43% |
| 8 | Guild Mortgage | A | 85 | 66 | 3.5% | 6.63% |
| 9 | Cardinal Financial Company, Limited Partnership | B | 72 | 59 | 1.4% | 6.63% |
| 10 | Pennymac Loan Services | C | 71 | 33 | 15.5% | 6.13% |
| 11 | Sfmc | B | 71 | 49 | 5.6% | 6.50% |
| 12 | Broker Solutions | D | 68 | 29 | 5.9% | 6.99% |
| 13 | Mortgage Research Center | C | 65 | 33 | 13.9% | 6.50% |
| 14 | Gateway First Bank | B | 63 | 43 | 3.2% | 6.50% |
| 15 | CMG Mortgage | A | 59 | 42 | 1.7% | 6.56% |
| 16 | Crosscountry Mortgage | B | 47 | 32 | 6.4% | 6.63% |
| 17 | Freedom Mortgage | B | 44 | 23 | 4.6% | 6.13% |
| 18 | Newrez | D | 44 | 17 | 15.9% | 6.75% |
| 19 | Navy Federal Credit Union | D | 44 | 25 | 22.7% | 6.00% |
| 20 | American Pacific Mortgage | C | 42 | 26 | 19.1% | 6.69% |
| 21 | Primelending, a Plainscapital | A | 42 | 37 | 0.0% | 6.93% |
| 22 | PNC Bank | D | 41 | 16 | 34.2% | 7.84% |
| 23 | Eecu | C | 39 | 21 | 33.3% | 6.75% |
| 24 | JPMorgan Chase Bank | B | 37 | 20 | 13.5% | 6.94% |
| 25 | Vanderbilt Mortgage and Finance | F | 35 | 4 | 48.6% | 9.75% |
Best approval odds in Hood County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cardinal Financial Company, Limited Partnership | 63 | 1.6% |
| 2 | The First National Bank of Granbury | 110 | 2.7% |
| 3 | Guild Mortgage | 73 | 4.1% |
| 4 | Sfmc | 60 | 6.7% |
| 5 | First Financial Bank | 86 | 8.1% |
| 6 | United Shore Financial Services | 165 | 15.2% |
| 7 | Rocket Mortgage | 182 | 18.7% |
| 8 | Loandepot.Com | 71 | 21.1% |
| 9 | Dhi Mortgage Company | 74 | 21.6% |
| 10 | 21st Mortgage | 141 | 64.5% |
What Hood County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hood County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,704 | 1,481 | 21.0% | 6.99% | $215,000 |
| 2024 | 2,916 | 1,640 | 18.7% | 6.88% | $235,000 |
| 2025 | 3,272 | 1,972 | 15.3% | 6.63% | $245,000 |
Frequently asked questions
15.3% of applications in Hood County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 236 applications in 2025 and a denial rate of 38.6%.
The median mortgage application in Hood County in 2025 was for $245,000; the median property value on originated loans was $355,000.