Texas · HMDA 2025
Mortgage lenders in Houston County, TX
128 lenders reported 687 home-loan applications in Houston County in 2025. 219 closed as loans ($44.4M), 224 were denied — a 46.0% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 32% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 687
- Loans originated
- 219
- Purchase / refinance
- 152 / 49
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Houston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 117 | 17.0% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 50 | 7.3% | — |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 50 | 7.3% | — |
| 4 | Prosperity Bank 71 out of 100, Strong | 43 | 6.3% | 31.5% |
| 5 | Rocket Mortgage, LLC | 30 | 4.4% | — |
| 6 | Mortgage Research Center, LLC | 23 | 3.3% | — |
| 7 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 20 | 2.9% | 74.7% |
| 8 | First National Bank of Huntsville 90 out of 100, Very strong | 18 | 2.6% | 5.4% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 2.3% | — |
| 10 | SOUTHWEST STAGE FUNDING, LLC | 13 | 1.9% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 11 | 1.6% | — |
| 12 | CMG MORTGAGE, INC. | 10 | 1.5% | — |
| 13 | TAMMAC HOLDINGS CORPORATION | 9 | 1.3% | — |
| 14 | NEWREZ LLC | 8 | 1.2% | — |
| 15 | Broker Solutions, Inc. | 7 | 1.0% | — |
| 16 | AmeriSave Mortgage Corporation | 7 | 1.0% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 7 | 1.0% | — |
| 18 | LAKEVIEW LOAN SERVICING, LLC | 7 | 1.0% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.9% | 32.9% |
| 20 | Loandepot.Com, LLC | 6 | 0.9% | — |
| 21 | GUARANTEED RATE, INC. | 6 | 0.9% | — |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 0.9% | — |
| 23 | Bank of America, National Association 59 out of 100, Moderate | 6 | 0.9% | 44.7% |
| 24 | Sunflower Bank, National Association 51 out of 100, Below average | 6 | 0.9% | 5.8% |
| 25 | CALCON MUTUAL MORTGAGE LLC | 6 | 0.9% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.7% | 14.1% |
| 27 | SWBC MORTGAGE CORPORATION | 5 | 0.7% | — |
| 28 | PLANET HOME LENDING, LLC | 5 | 0.7% | — |
| 29 | Commercial Bank of Texas, National Association | 5 | 0.7% | — |
| 30 | KIND LENDING, LLC | 5 | 0.7% | — |
| 31 | Frost Bank 66 out of 100, Moderate | 5 | 0.7% | 43.5% |
| 32 | Regions Bank 64 out of 100, Moderate | 4 | 0.6% | 43.1% |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.6% | — |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.6% | — |
| 35 | Farm Credit Mid-America | 4 | 0.6% | — |
| 36 | UNITED BUILT HOMES, L.L.C. | 4 | 0.6% | — |
| 37 | FREEDOM MORTGAGE CORPORATION | 4 | 0.6% | — |
| 38 | FirstBank 59 out of 100, Moderate | 4 | 0.6% | 42.8% |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.6% | — |
| 40 | Discover Bank | 3 | 0.4% | — |
Top 40 of 128 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