Largest lenders in Panola County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 85 | 18 | 31.8% | 9.36% |
| 2 | Vanderbilt Mortgage and Finance | F | 74 | 17 | 25.7% | 10.75% |
| 3 | Triad Financial Services | D | 54 | 6 | 51.9% | 8.25% |
| 4 | Rocket Mortgage | C | 40 | 26 | 30.0% | 6.99% |
| 5 | Guild Mortgage | A | 35 | 25 | 2.9% | 6.25% |
| 6 | United Shore Financial Services | B | 30 | 19 | 26.7% | 6.38% |
| 7 | EAST TEXAS PROFESSIONAL Credit Union | D | 27 | 8 | 25.9% | 6.88% |
| 8 | VeraBank | C | 23 | 19 | 17.4% | 7.25% |
| 9 | Southwest Stage Funding | F | 21 | 5 | 14.3% | 8.60% |
| 10 | Credit Human Federal Credit Union | D | 20 | 1 | 85.0% | 7.80% |
| 11 | Eastman Credit Union | D | 18 | 8 | 33.3% | 7.25% |
| 12 | Loandepot.Com | D | 14 | 6 | 28.6% | 6.87% |
| 13 | Newrez | D | 11 | 1 | 54.6% | 9.38% |
| 14 | Austin Bank, Texas | D | 9 | 4 | 11.1% | 7.80% |
| 15 | Crosscountry Mortgage | B | 8 | 4 | 12.5% | 7.13% |
| 16 | Spring Eq | D | 8 | 0 | 87.5% | — |
| 17 | United Built Homes | F | 8 | 5 | 12.5% | 8.99% |
| 18 | Prosperity Bank | D | 7 | 4 | 28.6% | 7.06% |
| 19 | Mortgage Research Center | C | 6 | 4 | 0.0% | 6.56% |
| 20 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.63% |
| 21 | USAA Federal Savings Bank | C | 5 | 1 | 80.0% | 6.50% |
| 22 | JPMorgan Chase Bank | B | 5 | 2 | 40.0% | 7.06% |
| 23 | Carrington Mortgage Services | D | 5 | 2 | 20.0% | 7.63% |
| 24 | FirstBank | C | 5 | 1 | 40.0% | 9.94% |
| 25 | Freedom Mortgage | B | 5 | 4 | 0.0% | 6.44% |
Best approval odds in Panola County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Triad Financial Services | 54 | 51.9% |
What Panola County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Panola County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 648 | 262 | 33.2% | 7.25% | $135,000 |
| 2024 | 645 | 246 | 33.6% | 7.25% | $145,000 |
| 2025 | 702 | 276 | 29.1% | 6.99% | $155,000 |
Frequently asked questions
29.1% of applications in Panola County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 85 applications in 2025 and a denial rate of 31.8%.
The median mortgage application in Panola County in 2025 was for $155,000; the median property value on originated loans was $225,000.