Largest lenders in Victoria County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 208 | 29 | 49.5% | 9.83% |
| 2 | Texas Dow Employees Credit Union | D | 170 | 126 | 7.7% | 7.19% |
| 3 | Prosperity Bank | D | 124 | 60 | 32.3% | 7.13% |
| 4 | Triad Financial Services | D | 113 | 15 | 44.3% | 9.70% |
| 5 | Rocket Mortgage | C | 109 | 69 | 24.8% | 6.63% |
| 6 | United Shore Financial Services | B | 106 | 84 | 6.6% | 6.37% |
| 7 | Union Home Mortgage | B | 88 | 63 | 3.4% | 6.50% |
| 8 | American Liberty Mortgage | B | 69 | 47 | 1.5% | 6.13% |
| 9 | Vanderbilt Mortgage and Finance | F | 54 | 7 | 50.0% | 10.75% |
| 10 | Mortgage Research Center | C | 50 | 21 | 24.0% | 6.63% |
| 11 | Pennymac Loan Services | C | 46 | 22 | 10.9% | 6.81% |
| 12 | Network Funding | C | 45 | 36 | 0.0% | 6.19% |
| 13 | Broker Solutions | D | 40 | 19 | 15.0% | 6.99% |
| 14 | First Choice Mh | B | 38 | 35 | 7.9% | 10.35% |
| 15 | Wells Fargo Bank | B | 31 | 16 | 19.4% | 6.38% |
| 16 | American Pacific Mortgage | C | 31 | 24 | 9.7% | 6.25% |
| 17 | Wallick & Volk | B | 31 | 14 | 6.5% | 6.69% |
| 18 | Newrez | D | 31 | 4 | 51.6% | 7.00% |
| 19 | Navy Federal Credit Union | D | 28 | 11 | 10.7% | 6.63% |
| 20 | Freedom Mortgage | B | 26 | 12 | 3.9% | 6.31% |
| 21 | FirstBank | C | 24 | 0 | 87.5% | — |
| 22 | Loandepot.Com | D | 22 | 11 | 36.4% | 6.88% |
| 23 | Tammac Holdings | D | 20 | 0 | 90.0% | — |
| 24 | Frost Bank | C | 19 | 9 | 52.6% | 7.56% |
| 25 | Credit Human Federal Credit Union | D | 18 | 0 | 83.3% | — |
Best approval odds in Victoria County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 67 | 4.5% |
| 2 | United Shore Financial Services | 93 | 7.5% |
| 3 | Texas Dow Employees Credit Union | 139 | 9.4% |
| 4 | Rocket Mortgage | 97 | 27.8% |
| 5 | Prosperity Bank | 104 | 38.5% |
| 6 | Triad Financial Services | 113 | 44.3% |
| 7 | 21st Mortgage | 133 | 77.4% |
What Victoria County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Victoria County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,119 | 981 | 25.7% | 6.75% | $155,000 |
| 2024 | 2,190 | 1,044 | 24.9% | 6.75% | $165,000 |
| 2025 | 2,151 | 1,067 | 24.4% | 6.63% | $175,000 |
Frequently asked questions
24.4% of applications in Victoria County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 208 applications in 2025 and a denial rate of 49.5%.
The median mortgage application in Victoria County in 2025 was for $175,000; the median property value on originated loans was $245,000.