Largest lenders in Somervell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | C | 29 | 16 | 20.7% | 7.23% |
| 2 | Rocket Mortgage | C | 28 | 19 | 21.4% | 6.88% |
| 3 | 21st Mortgage | F | 26 | 8 | 30.8% | 10.21% |
| 4 | InterBank | C | 14 | 7 | 28.6% | 7.50% |
| 5 | United Shore Financial Services | B | 13 | 10 | 15.4% | 6.38% |
| 6 | Highlands Residential Mortgage | B | 10 | 6 | 0.0% | 6.81% |
| 7 | Pennymac Loan Services | C | 9 | 5 | 11.1% | 5.63% |
| 8 | Cardinal Financial Company, Limited Partnership | B | 9 | 8 | 0.0% | 7.13% |
| 9 | Triad Financial Services | D | 9 | 1 | 44.4% | 7.85% |
| 10 | Paramount Residential Mortgage Group | B | 9 | 8 | 11.1% | 7.31% |
| 11 | Wells Fargo Bank | B | 7 | 2 | 14.3% | 5.75% |
| 12 | CMG Mortgage | A | 7 | 3 | 0.0% | 5.49% |
| 13 | Newrez | D | 7 | 2 | 42.9% | 7.38% |
| 14 | First United Bank and Trust | C | 7 | 6 | 0.0% | 6.56% |
| 15 | Gateway First Bank | B | 7 | 5 | 0.0% | 6.13% |
| 16 | Crosscountry Mortgage | B | 6 | 5 | 16.7% | 6.63% |
| 17 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.06% |
| 18 | The First National Bank of Granbury | A | 6 | 5 | 0.0% | — |
| 19 | Navy Federal Credit Union | D | 6 | 2 | 33.3% | 6.93% |
| 20 | PNC Bank | D | 5 | 4 | 20.0% | 7.31% |
| 21 | Eecu | C | 5 | 4 | 0.0% | 7.50% |
| 22 | Ark-La-Tex Financial Services, LLC. | A | 5 | 4 | 0.0% | 6.31% |
What Somervell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Somervell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 310 | 163 | 21.9% | 6.99% | $225,000 |
| 2024 | 325 | 181 | 21.5% | 7.00% | $225,000 |
| 2025 | 373 | 206 | 16.6% | 6.75% | $255,000 |
Frequently asked questions
16.6% of applications in Somervell County were denied in 2025, against 19.4% statewide in Texas.
First Financial Bank, with 29 applications in 2025 and a denial rate of 20.7%.
The median mortgage application in Somervell County in 2025 was for $255,000; the median property value on originated loans was $405,000.