Largest lenders in Midland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 1,202 | 196 | 47.8% | 10.09% |
| 2 | Dhi Mortgage Company | B | 469 | 319 | 13.4% | 4.99% |
| 3 | Primelending, a Plainscapital | A | 394 | 302 | 6.6% | 6.63% |
| 4 | Rocket Mortgage | C | 363 | 242 | 21.8% | 6.50% |
| 5 | Highlands Residential Mortgage | B | 309 | 258 | 0.7% | 6.63% |
| 6 | Triad Financial Services | D | 229 | 65 | 46.3% | 9.92% |
| 7 | Lrs Financial Network | A | 176 | 152 | 0.6% | 6.63% |
| 8 | Ark-La-Tex Financial Services, LLC. | A | 175 | 150 | 1.1% | 6.75% |
| 9 | United Shore Financial Services | B | 174 | 124 | 12.6% | 6.13% |
| 10 | Texas Tech Federal Credit Union | A | 161 | 137 | 0.6% | 6.25% |
| 11 | Securitynational Mortgage | D | 127 | 102 | 9.5% | 6.63% |
| 12 | Everett Financial | C | 121 | 88 | 4.1% | 6.75% |
| 13 | Freedom Mortgage | B | 117 | 54 | 6.8% | 6.25% |
| 14 | Frost Bank | C | 110 | 58 | 38.2% | 7.50% |
| 15 | Community National Bank | B | 110 | 83 | 5.5% | — |
| 16 | Cardinal Financial Company, Limited Partnership | B | 109 | 95 | 2.8% | 6.75% |
| 17 | Pennymac Loan Services | C | 102 | 45 | 10.8% | 6.25% |
| 18 | JPMorgan Chase Bank | B | 96 | 73 | 5.2% | 6.50% |
| 19 | Vanderbilt Mortgage and Finance | F | 84 | 17 | 47.6% | 10.50% |
| 20 | Flat Branch Mortgage | A | 83 | 67 | 2.4% | 6.38% |
| 21 | Lakeview Loan Servicing | C | 82 | 17 | 51.2% | 5.99% |
| 22 | Guaranteed Rate | B | 78 | 54 | 5.1% | 6.63% |
| 23 | Mortgage Research Center | C | 71 | 39 | 15.5% | 6.25% |
| 24 | Newrez | D | 66 | 20 | 25.8% | 6.50% |
| 25 | Broker Solutions | D | 58 | 25 | 1.7% | 6.50% |
Best approval odds in Midland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Mortgage Link | 52 | 0.0% |
| 2 | Directions Equity | 51 | 0.0% |
| 3 | Lrs Financial Network | 153 | 0.7% |
| 4 | Texas Tech Federal Credit Union | 138 | 0.7% |
| 5 | Highlands Residential Mortgage | 271 | 0.7% |
| 6 | Ark-La-Tex Financial Services, LLC. | 152 | 1.3% |
| 7 | Flat Branch Mortgage | 69 | 2.9% |
| 8 | Cardinal Financial Company, Limited Partnership | 100 | 3.0% |
| 9 | Everett Financial | 93 | 5.4% |
| 10 | JPMorgan Chase Bank | 80 | 6.3% |
What Midland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Midland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,310 | 3,395 | 22.6% | 6.88% | $235,000 |
| 2024 | 6,903 | 3,884 | 20.2% | 6.75% | $245,000 |
| 2025 | 7,796 | 4,345 | 19.9% | 6.63% | $255,000 |
Frequently asked questions
19.9% of applications in Midland County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 1,202 applications in 2025 and a denial rate of 47.8%.
The median mortgage application in Midland County in 2025 was for $255,000; the median property value on originated loans was $345,000.