Largest lenders in Wilson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Randolph-Brooks Federal Credit Union | C | 285 | 176 | 8.1% | 6.94% |
| 2 | 21st Mortgage | F | 201 | 60 | 32.3% | 9.45% |
| 3 | Triad Financial Services | D | 110 | 18 | 50.9% | 8.04% |
| 4 | United Shore Financial Services | B | 100 | 88 | 6.0% | 5.75% |
| 5 | Rocket Mortgage | C | 96 | 63 | 29.2% | 6.99% |
| 6 | Lennar Mortgage | A | 82 | 56 | 23.2% | 4.69% |
| 7 | Pilgrim Mortgage | A | 55 | 43 | 1.8% | 6.49% |
| 8 | Newrez | D | 53 | 20 | 13.2% | 6.25% |
| 9 | Mortgage Research Center | C | 52 | 23 | 15.4% | 6.13% |
| 10 | Freedom Mortgage | B | 45 | 18 | 2.2% | 5.75% |
| 11 | Pennymac Loan Services | C | 43 | 21 | 16.3% | 5.99% |
| 12 | Security Service Federal Credit Union | C | 41 | 16 | 26.8% | 7.25% |
| 13 | Navy Federal Credit Union | D | 41 | 17 | 26.8% | 7.00% |
| 14 | Vanderbilt Mortgage and Finance | F | 36 | 9 | 36.1% | 9.25% |
| 15 | Directions Equity | A | 31 | 21 | 3.2% | 6.25% |
| 16 | Credit Human Federal Credit Union | D | 27 | 4 | 59.3% | 8.50% |
| 17 | CMG Mortgage | A | 27 | 22 | 0.0% | 6.49% |
| 18 | Frost Bank | C | 25 | 17 | 28.0% | 7.65% |
| 19 | Loandepot.Com | D | 25 | 9 | 32.0% | 6.58% |
| 20 | M/i Financial | A | 24 | 22 | 0.0% | 4.88% |
| 21 | Broker Solutions | D | 24 | 8 | 12.5% | 6.56% |
| 22 | Crosscountry Mortgage | B | 23 | 17 | 0.0% | 6.25% |
| 23 | Southwest Stage Funding | F | 22 | 7 | 13.6% | 6.50% |
| 24 | Gardner Financial Services | B | 19 | 13 | 5.3% | 6.63% |
| 25 | Kind Lending | C | 18 | 11 | 16.7% | 6.25% |
Best approval odds in Wilson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 94 | 6.4% |
| 2 | Randolph-Brooks Federal Credit Union | 221 | 10.4% |
| 3 | Lennar Mortgage | 76 | 25.0% |
| 4 | Rocket Mortgage | 93 | 30.1% |
| 5 | 21st Mortgage | 128 | 50.8% |
| 6 | Triad Financial Services | 110 | 50.9% |
What Wilson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wilson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,084 | 1,062 | 23.3% | 6.74% | $205,000 |
| 2024 | 2,140 | 1,135 | 19.3% | 6.63% | $225,000 |
| 2025 | 2,290 | 1,214 | 19.1% | 6.50% | $235,000 |
Frequently asked questions
19.1% of applications in Wilson County were denied in 2025, against 19.4% statewide in Texas.
Randolph-Brooks Federal Credit Union, with 285 applications in 2025 and a denial rate of 8.1%.
The median mortgage application in Wilson County in 2025 was for $235,000; the median property value on originated loans was $445,000.