Largest lenders in Ward County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 83 | 21 | 28.9% | 9.47% |
| 2 | Rocket Mortgage | C | 26 | 17 | 26.9% | 6.63% |
| 3 | Triad Financial Services | D | 20 | 6 | 40.0% | 9.50% |
| 4 | Complex Community Federal Credit Union | C | 20 | 10 | 20.0% | — |
| 5 | United Shore Financial Services | B | 12 | 7 | 16.7% | 6.50% |
| 6 | Guaranteed Rate | B | 11 | 7 | 9.1% | 6.83% |
| 7 | City Bank | C | 10 | 6 | 10.0% | 6.44% |
| 8 | Texas Tech Federal Credit Union | A | 8 | 7 | 0.0% | 6.38% |
| 9 | Freedom Mortgage | B | 8 | 2 | 12.5% | 6.06% |
| 10 | Broker Solutions | D | 8 | 4 | 0.0% | 6.62% |
| 11 | FirstBank | C | 7 | 0 | 85.7% | — |
| 12 | Primelending, a Plainscapital | A | 7 | 6 | 0.0% | 6.38% |
| 13 | Vanderbilt Mortgage and Finance | F | 7 | 1 | 28.6% | 10.25% |
| 14 | Highlands Residential Mortgage | B | 6 | 4 | 0.0% | 6.63% |
| 15 | American Momentum Bank | D | 6 | 1 | 33.3% | — |
| 16 | Mortgage Research Center | C | 6 | 5 | 0.0% | 6.50% |
| 17 | Countryplace Mortgage | F | 6 | 0 | 33.3% | — |
| 18 | Pennymac Loan Services | C | 5 | 1 | 0.0% | 9.38% |
| 19 | JPMorgan Chase Bank | B | 5 | 4 | 0.0% | 6.75% |
| 20 | Cardinal Financial Company, Limited Partnership | B | 5 | 5 | 0.0% | 6.25% |
| 21 | Guild Mortgage | A | 5 | 3 | 0.0% | 6.38% |
| 22 | Southwest Stage Funding | F | 5 | 5 | 0.0% | 9.35% |
What Ward County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Ward County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 373 | 119 | 36.7% | 7.13% | $145,000 |
| 2024 | 363 | 168 | 24.0% | 6.88% | $175,000 |
| 2025 | 375 | 171 | 22.1% | 6.88% | $165,000 |
Frequently asked questions
22.1% of applications in Ward County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 83 applications in 2025 and a denial rate of 28.9%.
The median mortgage application in Ward County in 2025 was for $165,000; the median property value on originated loans was $245,000.