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Kendall County, Texas · 2025

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

258 lenders acted on 2,187 mortgage applications for properties in Kendall County in 2025. 12.7% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $395,000; median property value $595,000.

2.2kApplications
12.7%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$395,000Median loan
$595,000Median property value

Largest lenders in Kendall County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Pulte Mortgage A 13899 8.7%4.99%
2 Rocket Mortgage C 12684 23.8%6.75%
3 Randolph-Brooks Federal Credit Union C 11970 6.7%6.75%
4 Kbhs Home Loans B 10771 5.6%5.88%
5 United Shore Financial Services B 8063 5.0%6.30%
6 Security Service Federal Credit Union C 7846 6.4%6.88%
7 Parkstone Mortgage A 7447 0.0%5.50%
8 Frost Bank C 5433 29.6%7.70%
9 Pennymac Loan Services C 4816 10.4%6.00%
10 Jefferson Bank B 4434 2.3%6.75%
11 Gardner Financial Services B 4134 0.0%6.56%
12 Primelending, a Plainscapital A 4029 10.0%5.49%
13 Newrez D 3815 2.6%5.75%
14 Mortgage Research Center C 2913 10.3%6.13%
15 Toll Brothers Mortgage A 2812 14.3%6.56%
16 Bank of America F 2713 25.9%5.99%
17 21st Mortgage F 2711 25.9%9.71%
18 Navy Federal Credit Union D 2716 11.1%6.00%
19 CMG Mortgage A 2312 8.7%6.50%
20 PNC Bank D 2210 31.8%7.75%
21 JPMorgan Chase Bank B 2211 18.2%6.38%
22 Crestmark Mortgage Company A 2217 0.0%5.49%
23 Guaranteed Rate B 2213 9.1%6.58%
24 Cornerstone Capital Bank A 2217 4.6%5.99%
25 Broadway National Bank F 2111 23.8%—

Best approval odds in Kendall County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services705.7%
2Kbhs Home Loans777.8%
3Randolph-Brooks Federal Credit Union918.8%
4Security Service Federal Credit Union539.4%
5Pulte Mortgage11110.8%
6Rocket Mortgage11625.9%
7Frost Bank5230.8%

What Kendall County borrowers applied for

By loan purpose

Home purchase 1,322 60% · 7.9% denied
Refinance 298 14% · 14.1% denied
Cash-out refinance 294 13% · 11.6% denied
Home improvement 93 4% · 32.3% denied
Other / HELOC 180 8% · 36.7% denied

By loan type

Conventional 1,643 75% · 13.8% denied
FHA 216 10% · 15.3% denied
VA 324 15% · 5.3% denied
USDA / RHS 4 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 107 39%
Collateral 41 15%
Credit history 39 14%
Other 39 14%
Incomplete application 28 10%
Unverifiable information 13 5%
Insufficient cash 5 2%
Employment history 4 1%

Kendall County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,8621,06314.5%6.50%$385,000
20242,0181,20815.5%6.50%$375,000
20252,1871,30612.7%6.38%$395,000

Frequently asked questions

12.7% of applications in Kendall County were denied in 2025, against 19.4% statewide in Texas.

Pulte Mortgage, with 138 applications in 2025 and a denial rate of 8.7%.

The median mortgage application in Kendall County in 2025 was for $395,000; the median property value on originated loans was $595,000.