Largest lenders in Lavaca County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 58 | 14 | 27.6% | 8.92% |
| 2 | Crossroads Bank | – | 41 | 30 | 12.2% | — |
| 3 | Triad Financial Services | D | 36 | 6 | 30.6% | 9.38% |
| 4 | Texas Dow Employees Credit Union | D | 31 | 25 | 9.7% | 6.88% |
| 5 | United Shore Financial Services | B | 28 | 21 | 17.9% | 6.30% |
| 6 | Rocket Mortgage | C | 22 | 17 | 22.7% | 6.63% |
| 7 | The First National Bank of Shiner | – | 17 | 6 | 52.9% | — |
| 8 | Prosperity Bank | D | 15 | 5 | 26.7% | 6.38% |
| 9 | Randolph-Brooks Federal Credit Union | C | 14 | 7 | 7.1% | 7.13% |
| 10 | Loandepot.Com | D | 12 | 9 | 16.7% | 6.50% |
| 11 | Vanderbilt Mortgage and Finance | F | 10 | 1 | 20.0% | 8.50% |
| 12 | SouthStar Bank, S.S.B. | D | 9 | 5 | 22.2% | — |
| 13 | Countryplace Mortgage | F | 9 | 1 | 22.2% | 8.54% |
| 14 | FirstBank | C | 8 | 1 | 75.0% | 8.84% |
| 15 | Calcon Mutual Mortgage | D | 8 | 2 | 0.0% | 6.44% |
| 16 | Guild Mortgage | A | 8 | 3 | 0.0% | 6.63% |
| 17 | Frost Bank | C | 7 | 5 | 28.6% | 7.65% |
| 18 | Credit Human Federal Credit Union | D | 7 | 1 | 57.1% | 8.40% |
| 19 | Farm Credit Mid-America | D | 7 | 4 | 28.6% | 7.13% |
| 20 | The Yoakum National Bank | – | 7 | 5 | 28.6% | — |
| 21 | Tammac Holdings | D | 6 | 0 | 83.3% | — |
| 22 | Broker Solutions | D | 6 | 1 | 0.0% | 9.15% |
| 23 | Wells Fargo Bank | B | 5 | 5 | 0.0% | 6.75% |
| 24 | Luminate Bank | B | 5 | 2 | 0.0% | 7.99% |
| 25 | Nationstar Mortgage | C | 5 | 4 | 0.0% | 7.69% |
What Lavaca County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lavaca County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 430 | 188 | 28.8% | 7.00% | $135,000 |
| 2024 | 474 | 223 | 25.3% | 7.13% | $155,000 |
| 2025 | 515 | 255 | 20.6% | 6.88% | $165,000 |
Frequently asked questions
20.6% of applications in Lavaca County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 58 applications in 2025 and a denial rate of 27.6%.
The median mortgage application in Lavaca County in 2025 was for $165,000; the median property value on originated loans was $310,000.