Texas · HMDA 2025
Mortgage lenders in Garza County, TX
45 lenders reported 92 home-loan applications in Garza County in 2025. 32 closed as loans ($7.8M), 24 were denied — a 42.9% 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. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 92
- Loans originated
- 32
- Purchase / refinance
- 23 / 7
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garza County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 16 | 17.4% | — |
| 2 | LAKEVIEW LOAN SERVICING, LLC | 6 | 6.5% | — |
| 3 | ALLIANCE CREDIT UNION | 5 | 5.4% | — |
| 4 | Peoples Bank | 4 | 4.3% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 3.3% | — |
| 6 | Mortgage Research Center, LLC | 3 | 3.3% | — |
| 7 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 3.3% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 2 | 2.2% | — |
| 9 | Rocket Mortgage, LLC | 2 | 2.2% | — |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | 2.2% | — |
| 11 | Gateway First Bank 54 out of 100, Below average | 2 | 2.2% | 5.3% |
| 12 | Amarillo National Bank 62 out of 100, Moderate | 2 | 2.2% | 14.9% |
| 13 | Prosperity Bank 71 out of 100, Strong | 2 | 2.2% | 31.5% |
| 14 | TAMMAC HOLDINGS CORPORATION | 2 | 2.2% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 2 | 2.2% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 2 | 2.2% | — |
| 17 | Texas Tech Federal Credit Union 69 out of 100, Moderate | 2 | 2.2% | 1.2% |
| 18 | RIGHT START MORTGAGE, INC. | 2 | 2.2% | — |
| 19 | City Bank 75 out of 100, Strong | 2 | 2.2% | 16.6% |
| 20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | 2.2% | — |
| 21 | Centennial Bank 79 out of 100, Strong | 2 | 2.2% | 23.4% |
| 22 | NEWREZ LLC | 1 | 1.1% | — |
| 23 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 1.1% | 22.2% |
| 24 | Fairway Independent Mortgage Corporation | 1 | 1.1% | — |
| 25 | PENNYMAC LOAN SERVICES, LLC | 1 | 1.1% | — |
| 26 | Regions Bank 64 out of 100, Moderate | 1 | 1.1% | 43.1% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 1 | 1.1% | 44.7% |
| 28 | Flanagan State Bank 67 out of 100, Moderate | 1 | 1.1% | 14.2% |
| 29 | Wellington State Bank 43 out of 100, Below average | 1 | 1.1% | 7.1% |
| 30 | Citadel Servicing Corporation | 1 | 1.1% | — |
| 31 | CREDIT UNION OF TEXAS 43 out of 100, Below average | 1 | 1.1% | 32.5% |
| 32 | FlexPoint, Inc. | 1 | 1.1% | — |
| 33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 1.1% | — |
| 34 | PLANET HOME LENDING, LLC | 1 | 1.1% | — |
| 35 | INTERLINC MORTGAGE SERVICES, LLC | 1 | 1.1% | — |
| 36 | SOFI BANK, NATIONAL ASSOCIATION | 1 | 1.1% | — |
| 37 | Farm Credit Mid-America | 1 | 1.1% | — |
| 38 | FLAT BRANCH MORTGAGE, INC. | 1 | 1.1% | — |
| 39 | AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 1.1% | — |
| 40 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | 1.1% | — |
Top 40 of 45 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