Largest lenders in Titus County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 60 | 9 | 50.0% | 9.31% |
| 2 | Guaranty Bank & Trust | B | 48 | 39 | 6.3% | 6.99% |
| 3 | Rocket Mortgage | C | 35 | 26 | 17.1% | 6.75% |
| 4 | Pilgrim Bank | – | 34 | 28 | 8.8% | — |
| 5 | VeraBank | C | 33 | 21 | 21.2% | 7.50% |
| 6 | Highlands Residential Mortgage | B | 28 | 18 | 0.0% | 6.62% |
| 7 | Triad Financial Services | D | 27 | 2 | 66.7% | 10.18% |
| 8 | United Shore Financial Services | B | 23 | 12 | 13.0% | 6.87% |
| 9 | Pennymac Loan Services | C | 22 | 7 | 13.6% | 6.99% |
| 10 | EAST TEXAS PROFESSIONAL Credit Union | D | 21 | 9 | 23.8% | 7.25% |
| 11 | CMG Mortgage | A | 21 | 14 | 0.0% | 6.00% |
| 12 | Cypress Bank | – | 20 | 4 | 30.0% | — |
| 13 | Glacier Bank | D | 16 | 13 | 0.0% | 6.74% |
| 14 | Vanderbilt Mortgage and Finance | F | 13 | 5 | 23.1% | 9.50% |
| 15 | FirstBank | C | 12 | 1 | 83.3% | 10.49% |
| 16 | Newrez | D | 12 | 6 | 25.0% | 6.88% |
| 17 | Efinity Financial | D | 12 | 11 | 0.0% | 6.50% |
| 18 | Crosscountry Mortgage | B | 11 | 3 | 0.0% | 6.08% |
| 19 | Loandepot.Com | D | 11 | 6 | 27.3% | 6.93% |
| 20 | Alliance Bank | D | 11 | 5 | 18.2% | — |
| 21 | Mortgage Research Center | C | 10 | 6 | 20.0% | 6.69% |
| 22 | Fairway Independent Mortgage | B | 9 | 3 | 0.0% | 6.75% |
| 23 | Broker Solutions | D | 9 | 1 | 33.3% | 6.75% |
| 24 | T2 Financial | B | 8 | 6 | 12.5% | 7.13% |
| 25 | The City National Bank of Sulphur Springs | C | 8 | 7 | 0.0% | 7.50% |
What Titus County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Titus County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 644 | 341 | 24.8% | 6.99% | $165,000 |
| 2024 | 658 | 370 | 21.0% | 7.03% | $165,000 |
| 2025 | 718 | 346 | 23.3% | 6.88% | $170,000 |
Frequently asked questions
23.3% of applications in Titus County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 60 applications in 2025 and a denial rate of 50.0%.
The median mortgage application in Titus County in 2025 was for $170,000; the median property value on originated loans was $265,000.