Texas · HMDA 2025
Mortgage lenders in Caldwell County, TX
214 lenders reported 2,433 home-loan applications in Caldwell County in 2025. 936 closed as loans ($248.9M), 540 were denied — a 34.4% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 29% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,433
- Loans originated
- 936
- Purchase / refinance
- 717 / 171
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caldwell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 294 | 12.1% | — |
| 2 | DHI MORTGAGE COMPANY, LTD. | 238 | 9.8% | — |
| 3 | RANDOLPH-BROOKS FEDERAL CREDIT UNION 76 out of 100, Strong | 165 | 6.8% | 14.3% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 152 | 6.2% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 128 | 5.3% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 119 | 4.9% | — |
| 7 | LENNAR MORTGAGE, LLC | 110 | 4.5% | — |
| 8 | VELOCIO MORTGAGE L.L.C. | 67 | 2.8% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 2.6% | — |
| 10 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 62 | 2.5% | 2.2% |
| 11 | Rocket Mortgage, LLC | 54 | 2.2% | — |
| 12 | SOUTHWEST STAGE FUNDING, LLC | 50 | 2.1% | — |
| 13 | LAKEVIEW LOAN SERVICING, LLC | 41 | 1.7% | — |
| 14 | CMG MORTGAGE, INC. | 40 | 1.6% | — |
| 15 | NEWREZ LLC | 40 | 1.6% | — |
| 16 | TAMMAC HOLDINGS CORPORATION | 34 | 1.4% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 1.1% | 14.1% |
| 18 | Bank of America, National Association 59 out of 100, Moderate | 23 | 0.9% | 44.7% |
| 19 | First-Lockhart National Bank 63 out of 100, Moderate | 22 | 0.9% | 3.8% |
| 20 | VILLAGE CAPITAL & INVESTMENT LLC | 21 | 0.9% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 19 | 0.8% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 19 | 0.8% | — |
| 23 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 19 | 0.8% | 74.7% |
| 24 | GUARANTEED RATE, INC. | 18 | 0.7% | — |
| 25 | COUNTRYPLACE MORTGAGE, LTD. | 18 | 0.7% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 17 | 0.7% | — |
| 27 | FirstBank 59 out of 100, Moderate | 16 | 0.7% | 42.8% |
| 28 | Broker Solutions, Inc. | 15 | 0.6% | — |
| 29 | PHH Mortgage Corporation | 14 | 0.6% | — |
| 30 | KBHS HOME LOANS, LLC | 13 | 0.5% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.5% | 32.9% |
| 32 | PLANET HOME LENDING, LLC | 12 | 0.5% | — |
| 33 | Frost Bank 66 out of 100, Moderate | 12 | 0.5% | 43.5% |
| 34 | Loandepot.Com, LLC | 11 | 0.5% | — |
| 35 | GUILD MORTGAGE COMPANY | 11 | 0.5% | — |
| 36 | INTERLINC MORTGAGE SERVICES, LLC | 10 | 0.4% | — |
| 37 | UNIVERSITY Federal Credit Union | 10 | 0.4% | — |
| 38 | A+ Federal Credit Union 61 out of 100, Moderate | 10 | 0.4% | 47.2% |
| 39 | Discover Bank | 9 | 0.4% | — |
| 40 | The First National Bank of Bastrop 77 out of 100, Strong | 9 | 0.4% | 16.9% |
Top 40 of 214 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Texas
- Harris County 136,651 apps
- Bexar County 80,138 apps
- Tarrant County 70,673 apps
- Dallas County 66,728 apps
- Collin County 61,647 apps
- Denton County 51,801 apps
- Montgomery County 43,065 apps
- Travis County 40,887 apps
- Fort Bend County 37,670 apps
- Williamson County 34,119 apps
- El Paso County 27,236 apps
- Hidalgo County 20,066 apps