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Johnson County, Texas · 2025

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

415 lenders acted on 9,209 mortgage applications for properties in Johnson County in 2025. 17.4% were denied (Texas: 19.4%). Median rate on closed loans 6.49%; median loan $275,000; median property value $365,000.

9.2kApplications
17.4%Denial ratestate 19.4%
6.49%Median ratestate 6.50%
$275,000Median loan
$365,000Median property value

Largest lenders in Johnson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 503380 10.3%6.13%
2 Rocket Mortgage C 466322 18.9%6.50%
3 Dhi Mortgage Company B 460292 20.7%4.50%
4 21st Mortgage F 39865 45.5%10.00%
5 Sfmc B 296229 2.4%5.75%
6 Loandepot.Com D 246138 31.3%5.99%
7 Fairway Independent Mortgage B 198143 6.1%6.63%
8 Crosscountry Mortgage B 193151 2.6%6.45%
9 Vanderbilt Mortgage and Finance F 18124 38.1%9.87%
10 Freedom Mortgage B 18086 7.2%5.94%
11 Pennymac Loan Services C 16265 11.7%6.25%
12 First Financial Bank C 157101 15.3%6.90%
13 Guild Mortgage A 157119 4.5%6.50%
14 Triad Financial Services D 15127 43.1%9.19%
15 CMG Mortgage A 148111 4.7%6.13%
16 Eecu C 14578 35.9%7.25%
17 Navy Federal Credit Union D 14251 25.4%6.38%
18 Mortgage Research Center C 13480 12.7%6.19%
19 Broker Solutions D 11765 9.4%6.74%
20 Newrez D 11439 20.2%6.25%
21 Frost Bank C 10753 41.1%7.45%
22 Highlands Residential Mortgage B 10680 0.9%6.56%
23 Primelending, a Plainscapital A 10683 6.6%5.99%
24 Lennar Mortgage A 10077 17.0%4.31%
25 Everett Financial C 9735 3.1%6.75%

Best approval odds in Johnson County

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

#LenderDecidedDecision denial rate
1Republic State Mortgage520.0%
2Highlands Residential Mortgage821.2%
3Paramount Residential Mortgage Group551.8%
4Ark-La-Tex Financial Services, LLC.512.0%
5Sfmc2622.7%
6Crosscountry Mortgage1573.2%
7American Pacific Mortgage664.6%
8CMG Mortgage1335.3%
9Guild Mortgage1315.3%
10Primelending, a Plainscapital1036.8%

What Johnson County borrowers applied for

By loan purpose

Home purchase 5,915 64% · 13.1% denied
Refinance 1,302 14% · 17.1% denied
Cash-out refinance 978 11% · 22.1% denied
Home improvement 422 5% · 39.6% denied
Other / HELOC 592 6% · 38.0% denied

By loan type

Conventional 5,868 64% · 20.9% denied
FHA 2,182 24% · 12.6% denied
VA 1,118 12% · 8.7% denied
USDA / RHS 41 0% · 17.1% denied

Why applications were denied

Debt-to-income ratio 479 30%
Credit history 472 30%
Collateral 182 11%
Incomplete application 174 11%
Other 131 8%
Unverifiable information 90 6%
Insufficient cash 49 3%
Employment history 17 1%

Johnson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,3874,52020.6%6.75%$255,000
20248,6744,91218.3%6.63%$275,000
20259,2095,37417.4%6.49%$275,000

Frequently asked questions

17.4% of applications in Johnson County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 503 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Johnson County in 2025 was for $275,000; the median property value on originated loans was $365,000.