Largest lenders in Young County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 43 | 16 | 30.2% | 10.10% |
| 2 | Rocket Mortgage | C | 42 | 22 | 33.3% | 6.75% |
| 3 | United Shore Financial Services | B | 21 | 14 | 4.8% | 6.44% |
| 4 | InterBank | C | 18 | 11 | 16.7% | 7.50% |
| 5 | Ciera Bank | – | 14 | 11 | 14.3% | — |
| 6 | Triad Financial Services | D | 14 | 3 | 42.9% | 8.14% |
| 7 | Loandepot.Com | D | 13 | 10 | 15.4% | 6.25% |
| 8 | Flat Branch Mortgage | A | 12 | 11 | 0.0% | 6.38% |
| 9 | Primelending, a Plainscapital | A | 12 | 10 | 8.3% | 6.88% |
| 10 | Mortgage Research Center | C | 10 | 7 | 10.0% | 6.25% |
| 11 | Cardinal Financial Company, Limited Partnership | B | 8 | 5 | 37.5% | 7.18% |
| 12 | Fairway Independent Mortgage | B | 8 | 4 | 12.5% | 7.18% |
| 13 | Barrington Bank & Trust Company | C | 7 | 4 | 42.9% | 6.44% |
| 14 | Crosscountry Mortgage | B | 7 | 2 | 0.0% | 6.69% |
| 15 | Vanderbilt Mortgage and Finance | F | 7 | 1 | 57.1% | 8.75% |
| 16 | Windthorst Federal Credit Union | – | 6 | 6 | 0.0% | — |
| 17 | Freedom Mortgage | B | 6 | 2 | 16.7% | 6.63% |
| 18 | Broker Solutions | D | 6 | 1 | 0.0% | 6.00% |
| 19 | JPMorgan Chase Bank | B | 5 | 2 | 0.0% | 6.75% |
| 20 | Lakeview Loan Servicing | C | 5 | 1 | 80.0% | 5.75% |
| 21 | Navy Federal Credit Union | D | 5 | 3 | 20.0% | 6.13% |
What Young County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Young County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 386 | 185 | 23.6% | 7.13% | $145,000 |
| 2024 | 395 | 194 | 25.6% | 6.99% | $135,000 |
| 2025 | 409 | 220 | 19.1% | 6.75% | $165,000 |
Frequently asked questions
19.1% of applications in Young County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 43 applications in 2025 and a denial rate of 30.2%.
The median mortgage application in Young County in 2025 was for $165,000; the median property value on originated loans was $215,000.