Texas · HMDA 2025
Mortgage lenders in Hays County, TX
474 lenders reported 14,808 home-loan applications in Hays County in 2025. 7,164 closed as loans ($2.7B), 1,914 were denied — a 20.2% denial rate on decided applications, below the Texas rate of 24.7%. The three most active lenders handled 18% of applications, led by PENNYMAC LOAN SERVICES, LLC. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 14,808
- Loans originated
- 7,164
- Purchase / refinance
- 5,303 / 1,361
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hays County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PENNYMAC LOAN SERVICES, LLC | 1,042 | 7.0% | — |
| 2 | DHI MORTGAGE COMPANY, LTD. | 937 | 6.3% | — |
| 3 | RANDOLPH-BROOKS FEDERAL CREDIT UNION 76 out of 100, Strong | 664 | 4.5% | 14.3% |
| 4 | LENNAR MORTGAGE, LLC | 610 | 4.1% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 539 | 3.6% | — |
| 6 | CMG MORTGAGE, INC. | 467 | 3.2% | — |
| 7 | Rocket Mortgage, LLC | 428 | 2.9% | — |
| 8 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 349 | 2.4% | 2.2% |
| 9 | Loandepot.Com, LLC | 325 | 2.2% | — |
| 10 | NEWREZ LLC | 300 | 2.0% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 278 | 1.9% | 14.1% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 275 | 1.9% | — |
| 13 | VELOCIO MORTGAGE L.L.C. | 257 | 1.7% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 253 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 245 | 1.7% | — |
| 16 | FIRST CONTINENTAL MORTGAGE, LTD. | 228 | 1.5% | — |
| 17 | Bank of America, National Association 59 out of 100, Moderate | 206 | 1.4% | 44.7% |
| 18 | TRIAD FINANCIAL SERVICES, INC. | 201 | 1.4% | — |
| 19 | Frost Bank 66 out of 100, Moderate | 197 | 1.3% | 43.5% |
| 20 | PULTE MORTGAGE LLC | 192 | 1.3% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 191 | 1.3% | — |
| 22 | 21st Mortgage Corporation | 187 | 1.3% | — |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 147 | 1.0% | — |
| 24 | Truist Bank 63 out of 100, Moderate | 143 | 1.0% | 40.8% |
| 25 | PHH Mortgage Corporation | 136 | 0.9% | — |
| 26 | A+ Federal Credit Union 61 out of 100, Moderate | 133 | 0.9% | 47.2% |
| 27 | HOME FINANCING UNLIMITED, INC. | 129 | 0.9% | — |
| 28 | UNIVERSITY Federal Credit Union | 120 | 0.8% | — |
| 29 | VANDERBILT MORTGAGE AND FINANCE, INC. | 118 | 0.8% | — |
| 30 | Fairway Independent Mortgage Corporation | 117 | 0.8% | — |
| 31 | Mortgage Research Center, LLC | 115 | 0.8% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 112 | 0.8% | — |
| 33 | BRIGHTLAND MORTGAGE SERVICES, LTD. | 106 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 96 | 0.6% | 32.9% |
| 35 | PLANET HOME LENDING, LLC | 92 | 0.6% | — |
| 36 | Broker Solutions, Inc. | 90 | 0.6% | — |
| 37 | PRIORITY HOME MORTGAGE, L.P. | 90 | 0.6% | — |
| 38 | GUILD MORTGAGE COMPANY | 87 | 0.6% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 81 | 0.5% | — |
| 40 | KIND LENDING, LLC | 76 | 0.5% | — |
Top 40 of 474 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