Texas · HMDA 2025
Mortgage lenders in Erath County, TX
198 lenders reported 1,225 home-loan applications in Erath County in 2025. 598 closed as loans ($213.3M), 210 were denied — a 25.2% denial rate on decided applications, close to the Texas rate of 24.7%. The three most active lenders handled 20% of applications, led by First Financial Bank. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,225
- Loans originated
- 598
- Purchase / refinance
- 351 / 194
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Erath County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Financial Bank 76 out of 100, Strong | 96 | 7.8% | 12.6% |
| 2 | 21st Mortgage Corporation | 81 | 6.6% | — |
| 3 | Rocket Mortgage, LLC | 70 | 5.7% | — |
| 4 | GUILD MORTGAGE COMPANY | 61 | 5.0% | — |
| 5 | MEMBERS TRUST OF THE SOUTHWEST FCU | 38 | 3.1% | — |
| 6 | InterBank 62 out of 100, Moderate | 38 | 3.1% | 11.3% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 32 | 2.6% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 32 | 2.6% | — |
| 9 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 31 | 2.5% | — |
| 10 | LAKEVIEW LOAN SERVICING, LLC | 29 | 2.4% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 2.2% | — |
| 12 | TRIAD FINANCIAL SERVICES, INC. | 26 | 2.1% | — |
| 13 | TexasBank | 26 | 2.1% | — |
| 14 | NEWREZ LLC | 24 | 2.0% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 1.6% | 14.1% |
| 16 | SECURITYNATIONAL MORTGAGE COMPANY | 19 | 1.6% | — |
| 17 | Mortgage Research Center, LLC | 18 | 1.5% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 1.3% | 32.9% |
| 19 | Citizens National Bank of Texas 70 out of 100, Strong | 14 | 1.1% | 13.2% |
| 20 | GUARANTEED RATE, INC. | 13 | 1.1% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 13 | 1.1% | — |
| 22 | SOUTHWEST STAGE FUNDING, LLC | 12 | 1.0% | — |
| 23 | Gateway First Bank 54 out of 100, Below average | 12 | 1.0% | 5.3% |
| 24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 12 | 1.0% | — |
| 25 | Loandepot.Com, LLC | 11 | 0.9% | — |
| 26 | Bank of America, National Association 59 out of 100, Moderate | 11 | 0.9% | 44.7% |
| 27 | PLANET HOME LENDING, LLC | 11 | 0.9% | — |
| 28 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 10 | 0.8% | 2.2% |
| 29 | MORTGAGE CLEARING CORPORATION | 9 | 0.7% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 9 | 0.7% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 9 | 0.7% | — |
| 32 | Frost Bank 66 out of 100, Moderate | 9 | 0.7% | 43.5% |
| 33 | VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | 0.7% | — |
| 34 | SFMC, LP | 8 | 0.7% | — |
| 35 | CMG MORTGAGE, INC. | 7 | 0.6% | — |
| 36 | Prosperity Home Mortgage, LLC | 7 | 0.6% | — |
| 37 | COUNTRYPLACE MORTGAGE, LTD. | 7 | 0.6% | — |
| 38 | RANDOLPH-BROOKS FEDERAL CREDIT UNION 76 out of 100, Strong | 7 | 0.6% | 14.3% |
| 39 | EECU | 7 | 0.6% | — |
| 40 | Broker Solutions, Inc. | 6 | 0.5% | — |
Top 40 of 198 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