Texas · HMDA 2025
Mortgage lenders in Cass County, TX
144 lenders reported 1,088 home-loan applications in Cass County in 2025. 444 closed as loans ($78.0M), 293 were denied — a 36.4% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 26% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,088
- Loans originated
- 444
- Purchase / refinance
- 269 / 124
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cass County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 126 | 11.6% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 87 | 8.0% | — |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 68 | 6.3% | — |
| 4 | Rocket Mortgage, LLC | 50 | 4.6% | — |
| 5 | RED RIVER EMPLOYEES FEDERAL CREDIT UNION 77 out of 100, Strong | 34 | 3.1% | 19.0% |
| 6 | Regions Bank 64 out of 100, Moderate | 32 | 2.9% | 43.1% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 31 | 2.8% | — |
| 8 | The First National Bank of Hughes Springs | 27 | 2.5% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 2.3% | — |
| 10 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 24 | 2.2% | 74.7% |
| 11 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 20 | 1.8% | — |
| 12 | The City National Bank of Sulphur Springs 78 out of 100, Strong | 20 | 1.8% | 13.8% |
| 13 | Mortgage Research Center, LLC | 19 | 1.7% | — |
| 14 | UNITED BUILT HOMES, L.L.C. | 19 | 1.7% | — |
| 15 | SOUTHWEST STAGE FUNDING, LLC | 18 | 1.7% | — |
| 16 | State Bank of De Kalb | 18 | 1.7% | — |
| 17 | Loandepot.Com, LLC | 17 | 1.6% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 17 | 1.6% | — |
| 19 | FirstBank 59 out of 100, Moderate | 16 | 1.5% | 42.8% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 14 | 1.3% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 1.3% | — |
| 22 | TEXAR FEDERAL CREDIT UNION 81 out of 100, Strong | 14 | 1.3% | 7.0% |
| 23 | NEWREZ LLC | 13 | 1.2% | — |
| 24 | EAST TEXAS PROFESSIONAL Credit Union 90 out of 100, Very strong | 13 | 1.2% | 23.5% |
| 25 | Fairway Independent Mortgage Corporation | 12 | 1.1% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 1.0% | 32.9% |
| 27 | NATIONSTAR MORTGAGE LLC | 11 | 1.0% | — |
| 28 | MORTGAGE FINANCIAL SERVICES, LLC | 11 | 1.0% | — |
| 29 | Broker Solutions, Inc. | 10 | 0.9% | — |
| 30 | GUILD MORTGAGE COMPANY | 9 | 0.8% | — |
| 31 | PLANET HOME LENDING, LLC | 9 | 0.8% | — |
| 32 | Cadence Bank | 8 | 0.7% | — |
| 33 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.6% | 14.1% |
| 34 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 35 | SPRING EQ, LLC | 7 | 0.6% | — |
| 36 | AMERICAN FINANCING CORPORATION | 7 | 0.6% | — |
| 37 | T2 FINANCIAL LLC | 7 | 0.6% | — |
| 38 | Cypress Bank, SSB | 7 | 0.6% | — |
| 39 | FREEDOM MORTGAGE CORPORATION | 7 | 0.6% | — |
| 40 | GUARANTEED RATE, INC. | 6 | 0.6% | — |
Top 40 of 144 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