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Jones County, Texas · 2025

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

104 lenders acted on 653 mortgage applications for properties in Jones County in 2025. 25.7% were denied (Texas: 19.4%). Median rate on closed loans 6.99%; median loan $145,000; median property value $225,000.

653Applications
25.7%Denial ratestate 19.4%
6.99%Median ratestate 6.50%
$145,000Median loan
$225,000Median property value

Largest lenders in Jones County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 13530 43.0%9.51%
2 Triad Financial Services D 558 47.3%8.71%
3 First Financial Bank C 4934 12.2%6.63%
4 Vanderbilt Mortgage and Finance F 3810 29.0%10.25%
5 The First National Bank of Anson – 3120 12.9%—
6 Primelending, a Plainscapital A 2924 0.0%6.63%
7 Mortgage Research Center C 207 20.0%6.38%
8 Rocket Mortgage C 1911 21.1%6.63%
9 ABILENE TEACHERS Federal Credit Union D 168 37.5%7.10%
10 United Shore Financial Services B 149 21.4%5.63%
11 Countryplace Mortgage F 140 64.3%—
12 Southwest Stage Funding F 134 0.0%10.58%
13 Fairway Independent Mortgage B 108 0.0%7.12%
14 Cornerstone First Mortgage C 105 0.0%6.88%
15 City Bank C 95 11.1%7.25%
16 Credit Human Federal Credit Union D 94 55.6%8.25%
17 USAA Federal Savings Bank C 73 28.6%6.00%
18 Clear Fork Bank C 76 0.0%—
19 Newrez D 73 14.3%6.88%
20 Broker Solutions D 61 16.7%7.25%
21 Guild Mortgage A 65 0.0%6.63%
22 Navy Federal Credit Union D 61 16.7%6.00%
23 Mortgage Financial Services B 54 0.0%6.56%
24 First National Bank and Trust Company of Weatherford – 51 80.0%—

Best approval odds in Jones County

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

#LenderDecidedDecision denial rate
1Triad Financial Services5547.3%
221st Mortgage9064.4%

What Jones County borrowers applied for

By loan purpose

Home purchase 470 72% · 26.8% denied
Refinance 63 10% · 15.9% denied
Cash-out refinance 55 8% · 27.3% denied
Home improvement 27 4% · 29.6% denied
Other / HELOC 38 6% · 23.7% denied

By loan type

Conventional 516 79% · 30.2% denied
FHA 59 9% · 8.5% denied
VA 69 11% · 10.1% denied
USDA / RHS 9 1% · 0.0% denied

Why applications were denied

Credit history 86 52%
Debt-to-income ratio 34 20%
Incomplete application 15 9%
Collateral 10 6%
Other 8 5%
Insufficient cash 6 4%
Unverifiable information 6 4%
Employment history 1 1%

Jones County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202351223125.4%7.38%$135,000
202451622729.1%7.13%$145,000
202565327925.7%6.99%$145,000

Frequently asked questions

25.7% of applications in Jones County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 135 applications in 2025 and a denial rate of 43.0%.

The median mortgage application in Jones County in 2025 was for $145,000; the median property value on originated loans was $225,000.