Largest lenders in Howard County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 64 | 16 | 32.8% | 10.36% |
| 2 | Rocket Mortgage | C | 52 | 33 | 26.9% | 6.99% |
| 3 | Prosperity Bank | D | 42 | 28 | 11.9% | 7.38% |
| 4 | Primelending, a Plainscapital | A | 40 | 30 | 5.0% | 6.75% |
| 5 | First National Bank Texas | B | 37 | 30 | 2.7% | 6.88% |
| 6 | Synergy One Lending | C | 31 | 20 | 6.5% | 6.88% |
| 7 | Alliance Credit Union | C | 28 | 20 | 3.6% | 6.50% |
| 8 | Securitynational Mortgage | D | 26 | 14 | 3.9% | 6.75% |
| 9 | Lower | C | 25 | 20 | 4.0% | 6.63% |
| 10 | Triad Financial Services | D | 25 | 2 | 52.0% | 8.66% |
| 11 | Mortgage Research Center | C | 18 | 11 | 11.1% | 6.63% |
| 12 | Freedom Mortgage | B | 16 | 12 | 6.3% | 6.25% |
| 13 | Complex Community Federal Credit Union | C | 15 | 10 | 20.0% | — |
| 14 | United Shore Financial Services | B | 14 | 10 | 7.1% | 6.31% |
| 15 | PNC Bank | D | 13 | 3 | 46.2% | 7.75% |
| 16 | Premier Mortgage Resources | B | 13 | 10 | 0.0% | 6.94% |
| 17 | Loandepot.Com | D | 11 | 5 | 36.4% | 6.75% |
| 18 | Newrez | D | 10 | 3 | 10.0% | 6.38% |
| 19 | Pennymac Loan Services | C | 9 | 4 | 22.2% | 5.69% |
| 20 | JPMorgan Chase Bank | B | 9 | 2 | 11.1% | 6.50% |
| 21 | AmeriSave Mortgage | D | 8 | 2 | 62.5% | 7.25% |
| 22 | Guild Mortgage | A | 8 | 4 | 12.5% | 6.63% |
| 23 | Credit Human Federal Credit Union | D | 7 | 0 | 85.7% | — |
| 24 | Lakeview Loan Servicing | C | 7 | 0 | 85.7% | — |
| 25 | Highlands Residential Mortgage | B | 7 | 5 | 0.0% | 6.63% |
What Howard County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Howard County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 670 | 355 | 23.7% | 7.13% | $155,000 |
| 2024 | 690 | 372 | 23.0% | 6.99% | $165,000 |
| 2025 | 774 | 412 | 18.9% | 6.75% | $155,000 |
Frequently asked questions
18.9% of applications in Howard County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 64 applications in 2025 and a denial rate of 32.8%.
The median mortgage application in Howard County in 2025 was for $155,000; the median property value on originated loans was $205,000.