Largest lenders in San Patricio County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rally Credit Union | D | 199 | 107 | 25.6% | 6.75% |
| 2 | 21st Mortgage | F | 151 | 29 | 37.8% | 10.01% |
| 3 | Dhi Mortgage Company | B | 138 | 94 | 10.1% | 5.13% |
| 4 | Rocket Mortgage | C | 119 | 77 | 23.5% | 6.99% |
| 5 | United Shore Financial Services | B | 105 | 78 | 7.6% | 6.25% |
| 6 | Lennar Mortgage | A | 78 | 50 | 24.4% | 4.75% |
| 7 | Triad Financial Services | D | 57 | 8 | 49.1% | 8.85% |
| 8 | Security Service Federal Credit Union | C | 57 | 26 | 24.6% | 6.81% |
| 9 | Randolph-Brooks Federal Credit Union | C | 56 | 21 | 19.6% | 6.75% |
| 10 | Mortgage Research Center | C | 50 | 27 | 12.0% | 6.50% |
| 11 | Navy Federal Credit Union | D | 48 | 20 | 22.9% | 6.25% |
| 12 | CMG Mortgage | A | 46 | 35 | 2.2% | 6.63% |
| 13 | Guild Mortgage | A | 46 | 29 | 6.5% | 6.25% |
| 14 | Vanderbilt Mortgage and Finance | F | 46 | 6 | 54.4% | 10.63% |
| 15 | Legend Lending | B | 43 | 37 | 0.0% | 6.75% |
| 16 | Broker Solutions | D | 41 | 22 | 7.3% | 6.88% |
| 17 | American Bank | B | 41 | 31 | 12.2% | 5.88% |
| 18 | Newrez | D | 37 | 9 | 37.8% | 6.88% |
| 19 | Pennymac Loan Services | C | 36 | 12 | 11.1% | 6.37% |
| 20 | Crosscountry Mortgage | B | 36 | 23 | 0.0% | 6.63% |
| 21 | Freedom Mortgage | B | 36 | 11 | 8.3% | 6.25% |
| 22 | Click n' Close | C | 33 | 29 | 0.0% | 6.75% |
| 23 | Willow Bend Mortgage Company | C | 29 | 28 | 0.0% | 6.69% |
| 24 | Guaranteed Rate | B | 26 | 15 | 11.5% | 6.75% |
| 25 | Frost Bank | C | 25 | 10 | 60.0% | 6.55% |
Best approval odds in San Patricio County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 86 | 9.3% |
| 2 | Dhi Mortgage Company | 108 | 13.0% |
| 3 | Rocket Mortgage | 109 | 25.7% |
| 4 | Lennar Mortgage | 69 | 27.5% |
| 5 | Rally Credit Union | 174 | 29.3% |
| 6 | Triad Financial Services | 57 | 49.1% |
| 7 | 21st Mortgage | 86 | 66.3% |
What San Patricio County borrowers applied for
By loan purpose
By loan type
Why applications were denied
San Patricio County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,073 | 1,020 | 21.0% | 6.88% | $175,000 |
| 2024 | 2,213 | 1,145 | 19.5% | 6.63% | $185,000 |
| 2025 | 2,427 | 1,250 | 20.8% | 6.63% | $205,000 |
Frequently asked questions
20.8% of applications in San Patricio County were denied in 2025, against 19.4% statewide in Texas.
Rally Credit Union, with 199 applications in 2025 and a denial rate of 25.6%.
The median mortgage application in San Patricio County in 2025 was for $205,000; the median property value on originated loans was $265,000.