Largest lenders in Red River County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 41 | 9 | 41.5% | 11.10% |
| 2 | United Shore Financial Services | B | 39 | 18 | 48.7% | 7.50% |
| 3 | Triad Financial Services | D | 21 | 4 | 57.1% | 10.28% |
| 4 | Rocket Mortgage | C | 18 | 9 | 22.2% | 7.25% |
| 5 | State Bank of De Kalb | B | 15 | 12 | 20.0% | — |
| 6 | Guaranteed Rate | B | 10 | 6 | 0.0% | 6.20% |
| 7 | Mortgage Research Center | C | 10 | 5 | 10.0% | 6.63% |
| 8 | Guaranty Bank & Trust | B | 9 | 7 | 22.2% | 7.24% |
| 9 | Vanderbilt Mortgage and Finance | F | 9 | 2 | 44.4% | 10.12% |
| 10 | Newrez | D | 6 | 2 | 16.7% | 6.75% |
| 11 | Red River Employees Federal Credit Union | C | 6 | 4 | 0.0% | — |
| 12 | Southwest Stage Funding | F | 6 | 4 | 16.7% | 7.50% |
| 13 | The First National Bank of Tom Bean | – | 5 | 5 | 0.0% | — |
| 14 | Loandepot.Com | D | 5 | 3 | 20.0% | 7.75% |
What Red River County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Red River County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 276 | 116 | 31.5% | 7.40% | $105,000 |
| 2024 | 274 | 111 | 30.7% | 7.38% | $125,000 |
| 2025 | 320 | 153 | 29.1% | 6.99% | $125,000 |
Frequently asked questions
29.1% of applications in Red River County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 41 applications in 2025 and a denial rate of 41.5%.
The median mortgage application in Red River County in 2025 was for $125,000; the median property value on originated loans was $195,000.