Largest lenders in Nacogdoches County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 220 | 51 | 50.9% | 10.12% |
| 2 | Commercial Bank of Texas | B | 148 | 115 | 5.4% | 7.00% |
| 3 | Cadence Bank | B | 105 | 68 | 17.1% | 6.88% |
| 4 | Rocket Mortgage | C | 85 | 64 | 18.8% | 6.88% |
| 5 | Triad Financial Services | D | 73 | 9 | 37.0% | 8.20% |
| 6 | Austin Bank, Texas | D | 64 | 48 | 12.5% | 7.68% |
| 7 | Vanderbilt Mortgage and Finance | F | 63 | 12 | 39.7% | 9.75% |
| 8 | United Shore Financial Services | B | 45 | 37 | 4.4% | 6.50% |
| 9 | Right Start Mortgage | D | 36 | 28 | 0.0% | 6.49% |
| 10 | Mortgage Research Center | C | 33 | 13 | 3.0% | 5.99% |
| 11 | Regions Bank | C | 32 | 7 | 50.0% | 6.88% |
| 12 | Credit Human Federal Credit Union | D | 30 | 2 | 60.0% | 8.00% |
| 13 | Citizens 1st Bank | – | 27 | 15 | 11.1% | — |
| 14 | CMG Mortgage | A | 26 | 19 | 0.0% | 6.75% |
| 15 | EAST TEXAS PROFESSIONAL Credit Union | D | 24 | 11 | 25.0% | 6.88% |
| 16 | Highlands Residential Mortgage | B | 24 | 14 | 0.0% | 6.88% |
| 17 | Southside Bank | F | 23 | 13 | 34.8% | 6.88% |
| 18 | Southwest Stage Funding | F | 19 | 3 | 0.0% | 8.70% |
| 19 | American Neighborhood Mortgage Acceptance Company | B | 17 | 10 | 0.0% | 6.88% |
| 20 | Navy Federal Credit Union | D | 17 | 8 | 0.0% | 6.63% |
| 21 | Pennymac Loan Services | C | 15 | 5 | 33.3% | 6.62% |
| 22 | AmeriSave Mortgage | D | 13 | 2 | 69.2% | 8.63% |
| 23 | Broker Solutions | D | 13 | 2 | 15.4% | 7.12% |
| 24 | JPMorgan Chase Bank | B | 12 | 8 | 0.0% | 6.75% |
| 25 | Texas Bank | D | 10 | 8 | 10.0% | — |
Best approval odds in Nacogdoches County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Commercial Bank of Texas | 144 | 5.6% |
| 2 | Austin Bank, Texas | 58 | 13.8% |
| 3 | Rocket Mortgage | 82 | 19.5% |
| 4 | Cadence Bank | 90 | 20.0% |
| 5 | Triad Financial Services | 73 | 37.0% |
| 6 | 21st Mortgage | 165 | 67.9% |
What Nacogdoches County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Nacogdoches County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,256 | 592 | 28.0% | 7.13% | $145,000 |
| 2024 | 1,423 | 676 | 26.3% | 7.13% | $155,000 |
| 2025 | 1,553 | 754 | 23.5% | 6.99% | $155,000 |
Frequently asked questions
23.5% of applications in Nacogdoches County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 220 applications in 2025 and a denial rate of 50.9%.
The median mortgage application in Nacogdoches County in 2025 was for $155,000; the median property value on originated loans was $255,000.