Texas · HMDA 2025
Mortgage lenders in Gray County, TX
102 lenders reported 534 home-loan applications in Gray County in 2025. 253 closed as loans ($38.7M), 75 were denied — a 21.7% denial rate on decided applications, below the Texas rate of 24.7%. The three most active lenders handled 22% of applications, led by FirstBank Southwest. 6 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 534
- Loans originated
- 253
- Purchase / refinance
- 178 / 54
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gray County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FirstBank Southwest | 61 | 11.4% | — |
| 2 | Rocket Mortgage, LLC | 31 | 5.8% | — |
| 3 | DAS Acquisition Company, LLC | 27 | 5.1% | — |
| 4 | Amarillo National Bank 62 out of 100, Moderate | 25 | 4.7% | 14.9% |
| 5 | 21st Mortgage Corporation | 22 | 4.1% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 17 | 3.2% | — |
| 7 | PLANET HOME LENDING, LLC | 16 | 3.0% | — |
| 8 | Centennial Bank 79 out of 100, Strong | 16 | 3.0% | 23.4% |
| 9 | EUSTIS MORTGAGE CORPORATION | 15 | 2.8% | — |
| 10 | PHH Mortgage Corporation | 15 | 2.8% | — |
| 11 | Mortgage Research Center, LLC | 14 | 2.6% | — |
| 12 | RANLIFE, INC. | 14 | 2.6% | — |
| 13 | Equity Prime Mortgage LLC | 13 | 2.4% | — |
| 14 | ACFCU Federal Credit Union 57 out of 100, Moderate | 13 | 2.4% | 19.5% |
| 15 | NATIONSTAR MORTGAGE LLC | 11 | 2.1% | — |
| 16 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 1.9% | — |
| 17 | Broker Solutions, Inc. | 9 | 1.7% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 9 | 1.7% | — |
| 19 | UMB Bank, National Association 65 out of 100, Moderate | 9 | 1.7% | 30.5% |
| 20 | NEWREZ LLC | 8 | 1.5% | — |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 1.5% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 1.3% | — |
| 23 | RIGHT START MORTGAGE, INC. | 7 | 1.3% | — |
| 24 | AmeriSave Mortgage Corporation | 6 | 1.1% | — |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.1% | — |
| 26 | THE MORTGAGE LINK, INC. | 6 | 1.1% | — |
| 27 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 1.1% | — |
| 28 | ALLIANCE CREDIT UNION | 6 | 1.1% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.7% | 14.1% |
| 30 | FIRST COLONY MORTGAGE CORPORATION | 4 | 0.7% | — |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.7% | — |
| 32 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
| 33 | CMG MORTGAGE, INC. | 3 | 0.6% | — |
| 34 | GUILD MORTGAGE COMPANY | 3 | 0.6% | — |
| 35 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 36 | AMERICAN FINANCING CORPORATION | 3 | 0.6% | — |
| 37 | COUNTRYPLACE MORTGAGE, LTD. | 3 | 0.6% | — |
| 38 | TAMMAC HOLDINGS CORPORATION | 3 | 0.6% | — |
| 39 | FREEDOM MORTGAGE CORPORATION | 3 | 0.6% | — |
| 40 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 0.6% | 74.7% |
Top 40 of 102 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