Texas · HMDA 2025
Mortgage lenders in Harris County, TX
884 lenders reported 136,651 home-loan applications in Harris County in 2025. 62,641 closed as loans ($23.4B), 24,226 were denied — a 26.7% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 15% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 136,651
- Loans originated
- 62,641
- Purchase / refinance
- 43,310 / 13,453
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Harris County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 8,653 | 6.3% | — |
| 2 | Rocket Mortgage, LLC | 6,665 | 4.9% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 5,627 | 4.1% | — |
| 4 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5,578 | 4.1% | 14.1% |
| 5 | Bank of America, National Association 59 out of 100, Moderate | 3,513 | 2.6% | 44.7% |
| 6 | LENNAR MORTGAGE, LLC | 3,382 | 2.5% | — |
| 7 | LAKEVIEW LOAN SERVICING, LLC | 3,380 | 2.5% | — |
| 8 | NEWREZ LLC | 2,881 | 2.1% | — |
| 9 | Broker Solutions, Inc. | 2,519 | 1.8% | — |
| 10 | CMG MORTGAGE, INC. | 2,389 | 1.7% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 2,277 | 1.7% | — |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 2,119 | 1.6% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 1,963 | 1.4% | — |
| 14 | NATIONSTAR MORTGAGE LLC | 1,759 | 1.3% | — |
| 15 | Loandepot.Com, LLC | 1,656 | 1.2% | — |
| 16 | Frost Bank 66 out of 100, Moderate | 1,641 | 1.2% | 43.5% |
| 17 | DHI MORTGAGE COMPANY, LTD. | 1,637 | 1.2% | — |
| 18 | Cadence Bank | 1,520 | 1.1% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 1,453 | 1.1% | 32.9% |
| 20 | 21st Mortgage Corporation | 1,436 | 1.1% | — |
| 21 | GUARANTEED RATE, INC. | 1,418 | 1.0% | — |
| 22 | SHELL FEDERAL CREDIT UNION 79 out of 100, Strong | 1,335 | 1.0% | 47.3% |
| 23 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 1,281 | 0.9% | 30.7% |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 1,256 | 0.9% | 33.8% |
| 25 | CROSSCOUNTRY MORTGAGE, INC. | 1,224 | 0.9% | — |
| 26 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1,201 | 0.9% | 22.2% |
| 27 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 1,162 | 0.9% | 2.2% |
| 28 | GUILD MORTGAGE COMPANY | 1,085 | 0.8% | — |
| 29 | Mortgage Research Center, LLC | 1,075 | 0.8% | — |
| 30 | KIND LENDING, LLC | 1,060 | 0.8% | — |
| 31 | THE LOAN STORE, INC. | 974 | 0.7% | — |
| 32 | PLANET HOME LENDING, LLC | 948 | 0.7% | — |
| 33 | Discover Bank | 948 | 0.7% | — |
| 34 | NETWORK FUNDING, L.P. | 916 | 0.7% | — |
| 35 | Regions Bank 64 out of 100, Moderate | 898 | 0.7% | 43.1% |
| 36 | Truist Bank 63 out of 100, Moderate | 886 | 0.6% | 40.8% |
| 37 | Fairway Independent Mortgage Corporation | 879 | 0.6% | — |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 864 | 0.6% | — |
| 39 | SPRING EQ, LLC | 817 | 0.6% | — |
| 40 | UNION HOME MORTGAGE CORP. | 768 | 0.6% | — |
Top 40 of 884 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Texas
- 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
- Bell County 18,404 apps