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Rains County, Texas · 2025

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

126 lenders acted on 473 mortgage applications for properties in Rains County in 2025. 18.0% were denied (Texas: 19.4%). Median rate on closed loans 6.88%; median loan $215,000; median property value $305,000.

473Applications
18.0%Denial ratestate 19.4%
6.88%Median ratestate 6.50%
$215,000Median loan
$305,000Median property value

Largest lenders in Rains County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 4213 31.0%9.15%
2 Rocket Mortgage C 2817 28.6%6.75%
3 Triad Financial Services D 203 40.0%9.29%
4 The City National Bank of Sulphur Springs C 1916 15.8%7.75%
5 Ark-La-Tex Financial Services, LLC. A 1714 0.0%6.94%
6 Commercial Bank of Texas B 1612 0.0%7.13%
7 United Shore Financial Services B 148 7.1%6.56%
8 Vanderbilt Mortgage and Finance F 135 15.4%11.25%
9 Crosscountry Mortgage B 128 16.7%6.56%
10 Guild Mortgage A 117 18.2%6.63%
11 Southwest Stage Funding F 115 9.1%8.45%
12 Austin Bank, Texas D 107 20.0%7.35%
13 The American National Bank of Texas C 95 22.2%7.38%
14 Fairway Independent Mortgage B 99 0.0%6.63%
15 Newrez D 93 11.1%6.38%
16 Mortgage Research Center C 94 22.2%6.31%
17 Countryplace Mortgage F 91 44.4%4.75%
18 Pennymac Loan Services C 85 12.5%6.50%
19 Broker Solutions D 75 0.0%7.38%
20 Summit Funding C 74 14.3%6.13%
21 American Pacific Mortgage C 65 0.0%6.63%
22 CMG Mortgage A 64 0.0%7.13%
23 JPMorgan Chase Bank B 51 80.0%6.50%
24 Integrity Mortgage Corporation of Texas B 52 0.0%6.44%
25 Tammac Holdings D 50 40.0%—

What Rains County borrowers applied for

By loan purpose

Home purchase 308 65% · 15.9% denied
Refinance 58 12% · 15.5% denied
Cash-out refinance 53 11% · 18.9% denied
Home improvement 18 4% · 44.4% denied
Other / HELOC 36 8% · 25.0% denied

By loan type

Conventional 366 77% · 20.2% denied
FHA 66 14% · 6.1% denied
VA 39 8% · 18.0% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Credit history 30 36%
Debt-to-income ratio 19 23%
Collateral 16 19%
Other 9 11%
Insufficient cash 4 5%
Incomplete application 3 4%
Unverifiable information 2 2%
Employment history 1 1%

Rains County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202342420827.4%7.13%$175,000
202444320726.9%7.10%$175,000
202547324918.0%6.88%$215,000

Frequently asked questions

18.0% of applications in Rains County were denied in 2025, against 19.4% statewide in Texas.

21st Mortgage, with 42 applications in 2025 and a denial rate of 31.0%.

The median mortgage application in Rains County in 2025 was for $215,000; the median property value on originated loans was $305,000.