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Val Verde County, Texas · 2025

Mortgage lenders in Val Verde County, TX: denial rates and top lenders (2025)

109 lenders acted on 850 mortgage applications for properties in Val Verde County in 2025. 19.7% were denied (Texas: 19.4%). Median rate on closed loans 6.38%; median loan $205,000; median property value $265,000.

850Applications
19.7%Denial ratestate 19.4%
6.38%Median ratestate 6.50%
$205,000Median loan
$265,000Median property value

Largest lenders in Val Verde County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fairway Independent Mortgage B 8370 1.2%6.50%
2 Rocket Mortgage C 6755 13.4%6.25%
3 The Bank & Trust C 6140 23.0%—
4 21st Mortgage F 5715 31.6%9.73%
5 United Shore Financial Services B 5645 7.1%6.13%
6 Mortgage Research Center C 4428 18.2%5.99%
7 Kind Lending C 4027 20.0%6.13%
8 Flagstar Bank C 3321 33.3%6.00%
9 PNC Bank D 279 48.2%7.49%
10 Pennymac Loan Services C 2210 9.1%6.06%
11 Nationstar Mortgage C 1911 10.5%6.99%
12 Broker Solutions D 1910 15.8%6.56%
13 Lakeview Loan Servicing C 172 52.9%6.38%
14 Navy Federal Credit Union D 1510 13.3%6.06%
15 Freedom Mortgage B 144 14.3%5.75%
16 Triad Financial Services D 142 42.9%8.22%
17 Security Service Federal Credit Union C 147 21.4%6.99%
18 New Fed Mortgage B 1312 0.0%6.50%
19 Randolph-Brooks Federal Credit Union C 116 9.1%6.75%
20 USAA Federal Savings Bank C 96 33.3%6.19%
21 Texas Community Bank – 96 0.0%—
22 Vanderbilt Mortgage and Finance F 80 37.5%—
23 Carrington Mortgage Services D 71 85.7%5.75%
24 Directions Equity A 63 0.0%5.63%
25 Spring Eq D 61 83.3%8.85%

Best approval odds in Val Verde County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Fairway Independent Mortgage711.4%
2Rocket Mortgage6414.1%
3The Bank & Trust6023.3%

What Val Verde County borrowers applied for

By loan purpose

Home purchase 506 60% · 13.2% denied
Refinance 149 18% · 16.8% denied
Cash-out refinance 97 11% · 25.8% denied
Home improvement 20 2% · 55.0% denied
Other / HELOC 78 9% · 50.0% denied

By loan type

Conventional 457 54% · 27.8% denied
FHA 210 25% · 11.4% denied
VA 182 21% · 8.8% denied
USDA / RHS 1 0% · 0.0% denied

Why applications were denied

Credit history 45 30%
Incomplete application 32 21%
Debt-to-income ratio 26 17%
Other 21 14%
Collateral 13 9%
Insufficient cash 6 4%
Unverifiable information 6 4%
Employment history 1 1%
Mortgage insurance denied 1 1%

Val Verde County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202392653820.8%6.63%$180,000
202491651322.7%6.63%$195,000
202585049619.7%6.38%$205,000

Frequently asked questions

19.7% of applications in Val Verde County were denied in 2025, against 19.4% statewide in Texas.

Fairway Independent Mortgage, with 83 applications in 2025 and a denial rate of 1.2%.

The median mortgage application in Val Verde County in 2025 was for $205,000; the median property value on originated loans was $265,000.