Largest lenders in Newton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 145 | 38 | 33.1% | 9.60% |
| 2 | Triad Financial Services | D | 40 | 7 | 55.0% | 8.53% |
| 3 | Vanderbilt Mortgage and Finance | F | 23 | 4 | 39.1% | 9.87% |
| 4 | FirstBank | C | 14 | 3 | 71.4% | 9.24% |
| 5 | Rocket Mortgage | C | 12 | 6 | 50.0% | 7.31% |
| 6 | United Shore Financial Services | B | 9 | 6 | 22.2% | 6.81% |
| 7 | Tammac Holdings | D | 8 | 0 | 87.5% | — |
| 8 | Guild Mortgage | A | 8 | 5 | 12.5% | 6.25% |
| 9 | Rave Financial Credit Union | B | 7 | 4 | 42.9% | 5.88% |
| 10 | Credit Human Federal Credit Union | D | 7 | 0 | 85.7% | — |
| 11 | Canopy Mortgage | B | 6 | 5 | 0.0% | 6.88% |
| 12 | First Financial Bank | C | 6 | 4 | 0.0% | 7.10% |
| 13 | CMG Mortgage | A | 6 | 6 | 0.0% | 6.87% |
| 14 | Mortgage Research Center | C | 6 | 2 | 50.0% | 6.63% |
| 15 | Movement Mortgage | A | 6 | 4 | 0.0% | 7.25% |
| 16 | Crosscountry Mortgage | B | 5 | 3 | 0.0% | 6.63% |
| 17 | Sabine Federal Credit Union | D | 5 | 3 | 0.0% | — |
Best approval odds in Newton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 88 | 54.6% |
What Newton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Newton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 438 | 106 | 45.4% | 7.16% | $105,000 |
| 2024 | 397 | 134 | 37.5% | 7.63% | $115,000 |
| 2025 | 421 | 152 | 34.7% | 7.45% | $115,000 |
Frequently asked questions
34.7% of applications in Newton County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 145 applications in 2025 and a denial rate of 33.1%.
The median mortgage application in Newton County in 2025 was for $115,000; the median property value on originated loans was $155,000.