Largest lenders in Shelby County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 165 | 38 | 44.2% | 9.94% |
| 2 | Triad Financial Services | D | 83 | 12 | 32.5% | 8.52% |
| 3 | Vanderbilt Mortgage and Finance | F | 46 | 9 | 39.1% | 10.43% |
| 4 | United Shore Financial Services | B | 35 | 26 | 11.4% | 6.31% |
| 5 | Shelby Savings Bank | C | 28 | 15 | 17.9% | — |
| 6 | Rocket Mortgage | C | 17 | 10 | 35.3% | 7.06% |
| 7 | Mortgage Research Center | C | 17 | 6 | 17.7% | 6.12% |
| 8 | Austin Bank, Texas | D | 16 | 8 | 25.0% | 8.00% |
| 9 | Sabine State Bank and Trust | D | 14 | 7 | 42.9% | — |
| 10 | Credit Human Federal Credit Union | D | 13 | 1 | 92.3% | 7.06% |
| 11 | FirstBank | C | 11 | 1 | 72.7% | 8.74% |
| 12 | CMG Mortgage | A | 11 | 3 | 0.0% | 6.50% |
| 13 | Tammac Holdings | D | 11 | 0 | 90.9% | — |
| 14 | Southwest Stage Funding | F | 10 | 2 | 10.0% | 10.35% |
| 15 | Guild Mortgage | A | 7 | 6 | 0.0% | 6.31% |
| 16 | Right Start Mortgage | D | 6 | 4 | 0.0% | 5.69% |
| 17 | United Built Homes | F | 6 | 2 | 0.0% | 8.99% |
| 18 | Broker Solutions | D | 6 | 2 | 0.0% | 6.66% |
| 19 | BOM Bank | B | 5 | 5 | 0.0% | — |
| 20 | Nationstar Mortgage | C | 5 | 3 | 0.0% | 7.49% |
| 21 | Prosperity Bank | D | 5 | 2 | 40.0% | 7.25% |
| 22 | The First National Bank of Hughes Springs | A | 5 | 3 | 0.0% | — |
Best approval odds in Shelby 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 | 82 | 32.9% |
| 2 | 21st Mortgage | 114 | 64.0% |
What Shelby County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Shelby County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 574 | 176 | 38.3% | 7.46% | $125,000 |
| 2024 | 537 | 177 | 34.8% | 7.50% | $125,000 |
| 2025 | 649 | 233 | 31.7% | 7.19% | $135,000 |
Frequently asked questions
31.7% of applications in Shelby County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 165 applications in 2025 and a denial rate of 44.2%.
The median mortgage application in Shelby County in 2025 was for $135,000; the median property value on originated loans was $175,000.