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Kaufman County, Texas · 2025

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

433 lenders acted on 10,370 mortgage applications for properties in Kaufman County in 2025. 20.0% were denied (Texas: 19.4%). Median rate on closed loans 6.13%; median loan $265,000; median property value $315,000.

10kApplications
20.0%Denial ratestate 19.4%
6.13%Median ratestate 6.50%
$265,000Median loan
$315,000Median property value

Largest lenders in Kaufman County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Lennar Mortgage A 897572 26.3%4.50%
2 Dhi Mortgage Company B 816554 14.1%3.99%
3 United Shore Financial Services B 480343 13.3%6.13%
4 Rocket Mortgage C 411268 23.6%6.50%
5 21st Mortgage F 30451 46.1%9.93%
6 Crosscountry Mortgage B 202131 4.5%6.58%
7 Loandepot.Com D 195102 27.7%5.88%
8 Freedom Mortgage B 18084 10.0%6.13%
9 Velocio Mortgage A 175143 5.1%4.99%
10 Everett Financial C 15172 4.0%6.88%
11 Pennymac Loan Services C 15068 14.7%6.25%
12 Mortgage Research Center C 14960 22.2%6.25%
13 The American National Bank of Texas C 14581 9.7%6.75%
14 Credit Union of Texas C 14473 37.5%8.15%
15 Bank of America F 14249 51.4%6.13%
16 American Portfolio Mortgage C 13697 13.2%6.50%
17 Newrez D 12941 27.9%6.50%
18 Navy Federal Credit Union D 12849 25.8%6.38%
19 Sfmc B 12794 2.4%6.00%
20 Primelending, a Plainscapital A 11992 7.6%5.49%
21 Broker Solutions D 11648 12.1%6.75%
22 Triad Financial Services D 1139 57.5%9.25%
23 Pulte Mortgage A 11071 26.4%4.99%
24 CMG Mortgage A 10974 5.5%6.50%
25 Vanderbilt Mortgage and Finance F 10913 41.3%9.75%

Best approval odds in Kaufman County

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

#LenderDecidedDecision denial rate
1Clm Mortgage560.0%
2Paramount Residential Mortgage Group671.5%
3Sfmc1122.7%
4Lower593.4%
5Velocio Mortgage1525.9%
6Crosscountry Mortgage1426.3%
7CMG Mortgage867.0%
8Fairway Independent Mortgage807.5%
9The Loan Store537.6%
10Everett Financial787.7%

What Kaufman County borrowers applied for

By loan purpose

Home purchase 7,402 71% · 16.4% denied
Refinance 1,262 12% · 20.5% denied
Cash-out refinance 943 9% · 29.3% denied
Home improvement 294 3% · 43.2% denied
Other / HELOC 469 5% · 42.4% denied

By loan type

Conventional 5,571 54% · 23.7% denied
FHA 3,576 34% · 16.9% denied
VA 1,131 11% · 11.8% denied
USDA / RHS 92 1% · 18.5% denied

Why applications were denied

Debt-to-income ratio 724 35%
Credit history 527 26%
Incomplete application 206 10%
Other 191 9%
Collateral 186 9%
Unverifiable information 102 5%
Insufficient cash 83 4%
Employment history 47 2%

Kaufman County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,9465,01419.8%6.50%$275,000
202410,3766,12518.4%6.25%$265,000
202510,3705,87620.0%6.13%$265,000

Frequently asked questions

20.0% of applications in Kaufman County were denied in 2025, against 19.4% statewide in Texas.

Lennar Mortgage, with 897 applications in 2025 and a denial rate of 26.3%.

The median mortgage application in Kaufman County in 2025 was for $265,000; the median property value on originated loans was $315,000.