Largest lenders in Llano County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 67 | 10 | 46.3% | 10.39% |
| 2 | First United Bank and Trust | C | 46 | 26 | 15.2% | 6.63% |
| 3 | Rocket Mortgage | C | 43 | 31 | 23.3% | 6.99% |
| 4 | Cadence Bank | B | 38 | 25 | 23.7% | 7.25% |
| 5 | United Shore Financial Services | B | 30 | 24 | 10.0% | 6.62% |
| 6 | Triad Financial Services | D | 28 | 6 | 42.9% | 10.28% |
| 7 | Prosperity Bank | D | 23 | 12 | 21.7% | 6.63% |
| 8 | Vanderbilt Mortgage and Finance | F | 19 | 7 | 36.8% | 10.75% |
| 9 | CMG Mortgage | A | 18 | 8 | 5.6% | 6.81% |
| 10 | International Bank of Commerce | D | 17 | 14 | 5.9% | 6.94% |
| 11 | Pennymac Loan Services | C | 16 | 9 | 18.8% | 6.63% |
| 12 | Randolph-Brooks Federal Credit Union | C | 15 | 9 | 0.0% | 6.25% |
| 13 | Guild Mortgage | A | 15 | 10 | 0.0% | 6.50% |
| 14 | Bank of America | F | 13 | 8 | 23.1% | 5.75% |
| 15 | Gsb Mortgage | B | 12 | 8 | 8.3% | 6.93% |
| 16 | Security State Bank & Trust | B | 12 | 9 | 8.3% | 6.63% |
| 17 | Fairway Independent Mortgage | B | 11 | 9 | 0.0% | 6.13% |
| 18 | Broker Solutions | D | 11 | 4 | 9.1% | 7.38% |
| 19 | Loandepot.Com | D | 11 | 3 | 36.4% | 7.50% |
| 20 | Crosscountry Mortgage | B | 10 | 6 | 10.0% | 6.91% |
| 21 | Navy Federal Credit Union | D | 10 | 8 | 10.0% | 6.88% |
| 22 | JPMorgan Chase Bank | B | 9 | 5 | 22.2% | 6.88% |
| 23 | Better Mortgage | F | 9 | 8 | 0.0% | 6.50% |
| 24 | Mortgage Research Center | C | 9 | 8 | 0.0% | 6.06% |
| 25 | Discover Bank | F | 8 | 1 | 62.5% | 10.94% |
What Llano County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Llano County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 876 | 461 | 18.5% | 6.99% | $275,000 |
| 2024 | 839 | 480 | 17.5% | 6.99% | $265,000 |
| 2025 | 944 | 523 | 18.8% | 6.75% | $265,000 |
Frequently asked questions
18.8% of applications in Llano County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 67 applications in 2025 and a denial rate of 46.3%.
The median mortgage application in Llano County in 2025 was for $265,000; the median property value on originated loans was $555,000.