Largest lenders in Smith County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 738 | 137 | 50.0% | 10.07% |
| 2 | Rocket Mortgage | C | 461 | 324 | 18.0% | 6.69% |
| 3 | United Shore Financial Services | B | 453 | 355 | 9.7% | 6.50% |
| 4 | CMG Mortgage | A | 410 | 312 | 2.4% | 6.75% |
| 5 | ALTRA Federal Credit Union | B | 376 | 239 | 17.6% | 6.99% |
| 6 | Austin Bank, Texas | D | 214 | 151 | 13.1% | 7.35% |
| 7 | Triad Financial Services | D | 209 | 27 | 50.7% | 9.58% |
| 8 | Southside Bank | F | 198 | 90 | 27.8% | 6.88% |
| 9 | Regions Bank | C | 170 | 77 | 44.1% | 6.75% |
| 10 | Newrez | D | 154 | 71 | 18.8% | 6.38% |
| 11 | Primary Residential Mortgage | C | 142 | 115 | 3.5% | 6.75% |
| 12 | Vanderbilt Mortgage and Finance | F | 139 | 19 | 54.7% | 9.25% |
| 13 | Mortgage Financial Services | B | 137 | 104 | 0.7% | 6.49% |
| 14 | Guild Mortgage | A | 130 | 90 | 1.5% | 6.50% |
| 15 | Cadence Bank | B | 127 | 90 | 14.2% | 6.75% |
| 16 | Platinum Eagle Mortgage | C | 125 | 80 | 2.4% | 6.50% |
| 17 | Texas Bank and Trust | B | 125 | 80 | 15.2% | 6.75% |
| 18 | Mortgage Research Center | C | 116 | 61 | 12.9% | 6.25% |
| 19 | Loandepot.Com | D | 105 | 46 | 32.4% | 6.63% |
| 20 | Pennymac Loan Services | C | 99 | 59 | 7.1% | 6.75% |
| 21 | Kelly Community Federal Credit Union | – | 90 | 49 | 25.6% | 6.90% |
| 22 | Freedom Mortgage | B | 85 | 44 | 10.6% | 6.25% |
| 23 | Bank of America | F | 78 | 37 | 35.9% | 6.25% |
| 24 | Crosscountry Mortgage | B | 76 | 57 | 1.3% | 6.63% |
| 25 | Guaranteed Rate | B | 74 | 39 | 5.4% | 6.75% |
Best approval odds in Smith County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage Financial Services | 105 | 1.0% |
| 2 | Crosscountry Mortgage | 58 | 1.7% |
| 3 | Guild Mortgage | 100 | 2.0% |
| 4 | CMG Mortgage | 340 | 2.9% |
| 5 | Platinum Eagle Mortgage | 83 | 3.6% |
| 6 | Primary Residential Mortgage | 120 | 4.2% |
| 7 | Highlands Residential Mortgage | 50 | 8.0% |
| 8 | Texas National Bank of Jacksonville | 70 | 10.0% |
| 9 | Pennymac Loan Services | 68 | 10.3% |
| 10 | United Shore Financial Services | 404 | 10.9% |
What Smith County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Smith County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 7,098 | 3,833 | 22.5% | 6.99% | $185,000 |
| 2024 | 7,552 | 3,946 | 23.6% | 6.99% | $185,000 |
| 2025 | 8,375 | 4,564 | 21.6% | 6.75% | $195,000 |
Frequently asked questions
21.6% of applications in Smith County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 738 applications in 2025 and a denial rate of 50.0%.
The median mortgage application in Smith County in 2025 was for $195,000; the median property value on originated loans was $305,000.