Texas · HMDA 2025
Mortgage lenders in Cooke County, TX
216 lenders reported 1,747 home-loan applications in Cooke County in 2025. 837 closed as loans ($271.1M), 279 were denied — a 23.7% denial rate on decided applications, close to the Texas rate of 24.7%. The three most active lenders handled 19% of applications, led by 21st Mortgage Corporation. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,747
- Loans originated
- 837
- Purchase / refinance
- 531 / 221
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cooke County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 125 | 7.2% | — |
| 2 | American National Bank & Trust 61 out of 100, Moderate | 117 | 6.7% | 4.4% |
| 3 | First State Bank 61 out of 100, Moderate | 85 | 4.9% | 9.1% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 82 | 4.7% | — |
| 5 | First United Bank and Trust Company 50 out of 100, Below average | 72 | 4.1% | 8.1% |
| 6 | Rocket Mortgage, LLC | 69 | 3.9% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 3.5% | — |
| 8 | AMERIHOME MORTGAGE COMPANY, LLC | 52 | 3.0% | — |
| 9 | NEWREZ LLC | 49 | 2.8% | — |
| 10 | GUILD MORTGAGE COMPANY | 49 | 2.8% | — |
| 11 | DHI MORTGAGE COMPANY, LTD. | 41 | 2.3% | — |
| 12 | LAKEVIEW LOAN SERVICING, LLC | 40 | 2.3% | — |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 38 | 2.2% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 25 | 1.4% | — |
| 15 | Mortgage Research Center, LLC | 23 | 1.3% | — |
| 16 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 23 | 1.3% | — |
| 17 | VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 1.3% | — |
| 18 | SFMC, LP | 22 | 1.3% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 22 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 21 | 1.2% | — |
| 21 | PLANET HOME LENDING, LLC | 19 | 1.1% | — |
| 22 | DATCU | 19 | 1.1% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 17 | 1.0% | 14.1% |
| 24 | Bank of America, National Association 59 out of 100, Moderate | 16 | 0.9% | 44.7% |
| 25 | 4U Federal Credit Union 63 out of 100, Moderate | 15 | 0.9% | 0.0% |
| 26 | Fairway Independent Mortgage Corporation | 14 | 0.8% | — |
| 27 | Prosperity Bank 71 out of 100, Strong | 14 | 0.8% | 31.5% |
| 28 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 12 | 0.7% | 74.7% |
| 29 | GUARANTEED RATE, INC. | 11 | 0.6% | — |
| 30 | SouthState Bank, National Association 68 out of 100, Moderate | 11 | 0.6% | 23.3% |
| 31 | BOKF, National Association 64 out of 100, Moderate | 11 | 0.6% | 27.5% |
| 32 | Citibank, National Association 60 out of 100, Moderate | 11 | 0.6% | 24.0% |
| 33 | Frost Bank 66 out of 100, Moderate | 11 | 0.6% | 43.5% |
| 34 | PHH Mortgage Corporation | 11 | 0.6% | — |
| 35 | CMG MORTGAGE, INC. | 10 | 0.6% | — |
| 36 | Broker Solutions, Inc. | 10 | 0.6% | — |
| 37 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 0.6% | — |
| 38 | COUNTRYPLACE MORTGAGE, LTD. | 10 | 0.6% | — |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 10 | 0.6% | — |
| 40 | Loandepot.Com, LLC | 9 | 0.5% | — |
Top 40 of 216 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