Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 52 | 7 | 46.2% | 8.85% |
| 2 | Texas Dow Employees Credit Union | D | 32 | 21 | 15.6% | 7.13% |
| 3 | Rocket Mortgage | C | 27 | 15 | 37.0% | 6.75% |
| 4 | Triad Financial Services | D | 27 | 1 | 33.3% | 10.45% |
| 5 | United Shore Financial Services | B | 25 | 20 | 12.0% | 6.50% |
| 6 | Prosperity Bank | D | 23 | 13 | 13.0% | 7.00% |
| 7 | Vanderbilt Mortgage and Finance | F | 11 | 3 | 18.2% | 9.25% |
| 8 | FirstBank | C | 9 | 2 | 77.8% | 6.44% |
| 9 | The First State Bank | – | 8 | 7 | 0.0% | — |
| 10 | Tammac Holdings | D | 7 | 0 | 85.7% | — |
| 11 | Wells Fargo Bank | B | 6 | 2 | 16.7% | 6.00% |
| 12 | American Financial Resources | B | 6 | 4 | 16.7% | 6.81% |
| 13 | First National Bank in Port Lavaca | – | 5 | 3 | 0.0% | — |
| 14 | United Built Homes | F | 5 | 2 | 20.0% | 8.99% |
| 15 | Mortgage Research Center | C | 5 | 2 | 20.0% | 6.69% |
| 16 | Southwest Stage Funding | F | 5 | 2 | 0.0% | 7.60% |
| 17 | A&D Mortgage | C | 5 | 1 | 0.0% | 7.25% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 355 | 154 | 28.5% | 7.06% | $135,000 |
| 2024 | 377 | 165 | 26.3% | 7.00% | $155,000 |
| 2025 | 369 | 165 | 26.0% | 6.88% | $145,000 |
Frequently asked questions
26.0% of applications in Jackson County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 52 applications in 2025 and a denial rate of 46.2%.
The median mortgage application in Jackson County in 2025 was for $145,000; the median property value on originated loans was $235,000.