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Randall County, Texas · 2025

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

266 lenders acted on 5,732 mortgage applications for properties in Randall County in 2025. 14.1% were denied (Texas: 19.4%). Median rate on closed loans 6.63%; median loan $195,000; median property value $275,000.

5.7kApplications
14.1%Denial ratestate 19.4%
6.63%Median ratestate 6.50%
$195,000Median loan
$275,000Median property value

Largest lenders in Randall County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Amarillo National Bank C 1,138792 10.8%6.88%
2 Alliance Credit Union C 264218 1.5%6.25%
3 Texas Tech Federal Credit Union A 249197 0.0%6.38%
4 Rocket Mortgage C 238168 18.1%6.75%
5 Right Start Mortgage D 177132 2.3%6.63%
6 21st Mortgage F 16530 40.0%9.04%
7 Education Credit Union B 153133 1.3%6.88%
8 Eustis Mortgage B 139114 0.0%6.50%
9 Associated Mortgage A 132112 1.5%6.50%
10 United Shore Financial Services B 13195 9.9%5.99%
11 First United Bank A 130120 3.1%6.31%
12 Vanderbilt Mortgage and Finance F 1267 45.2%10.50%
13 Centennial Bank D 11861 14.4%6.81%
14 Mortgage Research Center C 11561 12.2%6.25%
15 Union Home Mortgage B 10660 8.5%6.25%
16 Access Community Credit Union B 10392 6.8%6.75%
17 Triad Financial Services D 1009 59.0%10.10%
18 FirstBank Southwest D 9267 12.0%7.49%
19 Pennymac Loan Services C 8747 11.5%6.13%
20 Fairway Independent Mortgage B 7049 5.7%6.25%
21 Prosperity Bank D 6958 2.9%7.25%
22 Newrez D 6715 22.4%6.75%
23 Freedom Mortgage B 6126 9.8%6.25%
24 Credit Human Federal Credit Union D 533 77.4%8.60%
25 Primelending, a Plainscapital A 4940 2.0%6.38%

Best approval odds in Randall County

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

#LenderDecidedDecision denial rate
1Eustis Mortgage1140.0%
2Texas Tech Federal Credit Union1970.0%
3Education Credit Union1441.4%
4Associated Mortgage1231.6%
5Alliance Credit Union2221.8%
6Right Start Mortgage1362.9%
7First United Bank1293.1%
8Prosperity Bank633.2%
9Access Community Credit Union1036.8%
10Fairway Independent Mortgage537.6%

What Randall County borrowers applied for

By loan purpose

Home purchase 3,398 59% · 9.5% denied
Refinance 792 14% · 14.9% denied
Cash-out refinance 735 13% · 18.0% denied
Home improvement 129 2% · 36.4% denied
Other / HELOC 678 12% · 27.6% denied

By loan type

Conventional 4,132 72% · 17.1% denied
FHA 1,103 19% · 6.8% denied
VA 486 8% · 5.1% denied
USDA / RHS 11 0% · 0.0% denied

Why applications were denied

Credit history 248 31%
Debt-to-income ratio 246 30%
Incomplete application 86 11%
Other 83 10%
Collateral 82 10%
Unverifiable information 40 5%
Insufficient cash 16 2%
Employment history 6 1%

Randall County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,7092,98214.1%7.00%$185,000
20245,1773,20914.9%6.88%$185,000
20255,7323,57014.1%6.63%$195,000

Frequently asked questions

14.1% of applications in Randall County were denied in 2025, against 19.4% statewide in Texas.

Amarillo National Bank, with 1,138 applications in 2025 and a denial rate of 10.8%.

The median mortgage application in Randall County in 2025 was for $195,000; the median property value on originated loans was $275,000.