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Nueces County, Texas · 2025

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

388 lenders acted on 10,709 mortgage applications for properties in Nueces County in 2025. 20.4% were denied (Texas: 19.4%). Median rate on closed loans 6.50%; median loan $205,000; median property value $285,000.

11kApplications
20.4%Denial ratestate 19.4%
6.50%Median ratestate 6.50%
$205,000Median loan
$285,000Median property value

Largest lenders in Nueces County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rally Credit Union D 1,191529 29.2%6.63%
2 Dhi Mortgage Company B 552378 10.0%4.99%
3 Lennar Mortgage A 547370 22.5%4.63%
4 United Shore Financial Services B 473342 11.0%6.13%
5 21st Mortgage F 44059 59.6%10.50%
6 Rocket Mortgage C 430270 26.7%6.99%
7 Randolph-Brooks Federal Credit Union C 309159 11.0%6.88%
8 Crosscountry Mortgage B 258170 1.9%6.75%
9 Navy Federal Credit Union D 246111 17.9%6.38%
10 Mortgage Research Center C 240121 12.9%6.25%
11 Simmons Bank C 211197 2.4%8.00%
12 Newrez D 19065 15.8%6.38%
13 Freedom Mortgage B 17985 6.7%6.13%
14 American Bank B 179128 15.6%6.19%
15 Guild Mortgage A 177114 6.8%6.38%
16 Bank of America F 14948 46.3%6.24%
17 Pennymac Loan Services C 13761 13.9%5.99%
18 Guaranteed Rate B 13470 6.0%6.50%
19 Gardner Financial Services B 12991 2.3%6.25%
20 Frost Bank C 12545 53.6%6.28%
21 Prosperity Bank D 12054 25.8%7.38%
22 First Community Bank B 11997 2.5%—
23 JPMorgan Chase Bank B 11687 7.8%6.50%
24 Security Service Federal Credit Union C 11655 17.2%6.63%
25 CMG Mortgage A 11477 6.1%6.50%

Best approval odds in Nueces County

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

#LenderDecidedDecision denial rate
1Willow Bend Mortgage Company941.1%
2First National Bank Texas822.4%
3Simmons Bank2022.5%
4Crosscountry Mortgage1802.8%
5First Community Bank1032.9%
6Gardner Financial Services1003.0%
7CMG Mortgage937.5%
8Guild Mortgage1418.5%
9JPMorgan Chase Bank979.3%
10Guaranteed Rate7910.1%

What Nueces County borrowers applied for

By loan purpose

Home purchase 6,158 58% · 15.4% denied
Refinance 1,575 15% · 19.4% denied
Cash-out refinance 1,769 17% · 25.0% denied
Home improvement 522 5% · 41.8% denied
Other / HELOC 685 6% · 39.9% denied

By loan type

Conventional 7,359 69% · 24.7% denied
FHA 1,968 18% · 12.1% denied
VA 1,372 13% · 9.2% denied
USDA / RHS 10 0% · 10.0% denied

Why applications were denied

Credit history 729 34%
Debt-to-income ratio 619 29%
Incomplete application 228 11%
Collateral 227 10%
Other 192 9%
Unverifiable information 88 4%
Insufficient cash 60 3%
Employment history 26 1%

Nueces County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20239,4874,96821.7%6.75%$185,000
20249,7845,30420.9%6.63%$195,000
202510,7095,79420.4%6.50%$205,000

Frequently asked questions

20.4% of applications in Nueces County were denied in 2025, against 19.4% statewide in Texas.

Rally Credit Union, with 1,191 applications in 2025 and a denial rate of 29.2%.

The median mortgage application in Nueces County in 2025 was for $205,000; the median property value on originated loans was $285,000.