Texas · HMDA 2025
Mortgage lenders in Freestone County, TX
125 lenders reported 869 home-loan applications in Freestone County in 2025. 308 closed as loans ($104.5M), 221 were denied — a 39.2% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 34% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 869
- Loans originated
- 308
- Purchase / refinance
- 206 / 75
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Freestone County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 169 | 19.4% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 8.4% | — |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 57 | 6.6% | — |
| 4 | Rocket Mortgage, LLC | 51 | 5.9% | — |
| 5 | Incommons Bank, N.A. 73 out of 100, Strong | 43 | 4.9% | 34.8% |
| 6 | LOANPEOPLE, LLC | 32 | 3.7% | — |
| 7 | LAKEVIEW LOAN SERVICING, LLC | 28 | 3.2% | — |
| 8 | GUILD MORTGAGE COMPANY | 20 | 2.3% | — |
| 9 | SOUTHWEST STAGE FUNDING, LLC | 19 | 2.2% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 2.1% | — |
| 11 | Prosperity Bank 71 out of 100, Strong | 18 | 2.1% | 31.5% |
| 12 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 15 | 1.7% | 74.7% |
| 13 | NEWREZ LLC | 13 | 1.5% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.5% | 14.1% |
| 15 | Mortgage Research Center, LLC | 13 | 1.5% | — |
| 16 | PENNYMAC LOAN SERVICES, LLC | 12 | 1.4% | — |
| 17 | Broker Solutions, Inc. | 11 | 1.3% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 1.3% | — |
| 19 | CMG MORTGAGE, INC. | 8 | 0.9% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.8% | 32.9% |
| 21 | PLANET HOME LENDING, LLC | 7 | 0.8% | — |
| 22 | SECURITYNATIONAL MORTGAGE COMPANY | 7 | 0.8% | — |
| 23 | Citizens State Bank | 6 | 0.7% | — |
| 24 | VeraBank, National Association | 6 | 0.7% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 6 | 0.7% | — |
| 26 | Cadence Bank | 6 | 0.7% | — |
| 27 | Discover Bank | 5 | 0.6% | — |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 0.6% | 33.8% |
| 29 | Synergy One Lending, Inc. | 5 | 0.6% | — |
| 30 | NETWORK FUNDING, L.P. | 5 | 0.6% | — |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | 0.6% | — |
| 32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | 0.6% | — |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 4 | 0.5% | 22.2% |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.5% | — |
| 35 | THE LOAN STORE, INC. | 4 | 0.5% | — |
| 36 | Gateway First Bank 54 out of 100, Below average | 4 | 0.5% | 5.3% |
| 37 | TAMMAC HOLDINGS CORPORATION | 4 | 0.5% | — |
| 38 | Benchmark Bank 60 out of 100, Moderate | 4 | 0.5% | 3.4% |
| 39 | Community National Bank & Trust of Texas 76 out of 100, Strong | 4 | 0.5% | 1.5% |
| 40 | UNITED BUILT HOMES, L.L.C. | 4 | 0.5% | — |
Top 40 of 125 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