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Montgomery County, Texas · 2025

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

660 lenders acted on 35,339 mortgage applications for properties in Montgomery County in 2025. 19.2% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $255,000; median property value $345,000.

35kApplications
19.2%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$255,000Median loan
$345,000Median property value

Largest lenders in Montgomery County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,7051,290 10.0%6.37%
2 Rocket Mortgage C 1,6231,115 20.3%6.75%
3 Dhi Mortgage Company B 1,5521,005 15.5%4.50%
4 Lennar Mortgage A 1,296917 19.6%4.38%
5 21st Mortgage F 1,238193 46.0%9.85%
6 Vanderbilt Mortgage and Finance F 1,019109 50.9%10.25%
7 Loandepot.Com D 813566 14.3%4.99%
8 CMG Mortgage A 802532 4.6%6.63%
9 Triad Financial Services D 71472 53.9%9.96%
10 Pulte Mortgage A 660412 20.6%5.00%
11 Bank of America F 637252 38.3%6.24%
12 JPMorgan Chase Bank B 601373 9.2%6.49%
13 Ark-La-Tex Financial Services, LLC. A 499421 3.0%5.49%
14 Pennymac Loan Services C 496232 11.7%6.25%
15 Freedom Mortgage B 470219 7.5%6.13%
16 Guild Mortgage A 458317 5.0%6.50%
17 Frost Bank C 440220 45.0%7.65%
18 Navy Federal Credit Union D 423160 26.7%6.56%
19 Mortgage Research Center C 403170 17.1%6.13%
20 Inspire Home Loans B 399299 12.5%4.88%
21 Newrez D 396146 16.7%6.63%
22 Fairway Independent Mortgage B 394288 2.8%6.63%
23 Broker Solutions D 386197 9.1%6.75%
24 Lakeview Loan Servicing C 32377 54.2%6.25%
25 Velocio Mortgage A 310240 4.5%3.99%

Best approval odds in Montgomery County

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

#LenderDecidedDecision denial rate
1Highlands Residential Mortgage650.0%
2Guaranteed Rate Affinity2020.5%
3Clm Mortgage1240.8%
4Brightland Mortgage Services1110.9%
5AMWEST Funding1060.9%
6Parkstone Mortgage1041.0%
7Nations Lending901.1%
8Lendlo Mortgage731.4%
9Towne Mortgage591.7%
10Legend Lending1031.9%

What Montgomery County borrowers applied for

By loan purpose

Home purchase 24,597 70% · 15.5% denied
Refinance 3,837 11% · 18.8% denied
Cash-out refinance 2,961 8% · 23.2% denied
Home improvement 1,588 4% · 39.4% denied
Other / HELOC 2,356 7% · 39.9% denied

By loan type

Conventional 24,237 69% · 22.3% denied
FHA 7,507 21% · 13.7% denied
VA 3,379 10% · 9.6% denied
USDA / RHS 216 1% · 16.7% denied

Why applications were denied

Debt-to-income ratio 2,207 33%
Credit history 1,898 28%
Incomplete application 709 10%
Other 691 10%
Collateral 585 9%
Unverifiable information 401 6%
Insufficient cash 191 3%
Employment history 79 1%
Mortgage insurance denied 4 0%

Montgomery County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202330,36016,31322.3%6.50%$245,000
202432,75618,48719.8%6.50%$245,000
202535,33919,97519.2%6.38%$255,000

Frequently asked questions

19.2% of applications in Montgomery County were denied in 2025, against 19.4% statewide in Texas.

United Shore Financial Services, with 1,705 applications in 2025 and a denial rate of 10.0%.

The median mortgage application in Montgomery County in 2025 was for $255,000; the median property value on originated loans was $345,000.