Texas · HMDA 2025
Mortgage lenders in McCulloch County, TX
62 lenders reported 141 home-loan applications in McCulloch County in 2025. 54 closed as loans ($9.0M), 40 were denied — a 39.2% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 18% of applications, led by TRIAD FINANCIAL SERVICES, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 141
- Loans originated
- 54
- Purchase / refinance
- 42 / 9
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McCulloch County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | TRIAD FINANCIAL SERVICES, INC. | 10 | 7.1% | — |
| 2 | Rocket Mortgage, LLC | 9 | 6.4% | — |
| 3 | 21st Mortgage Corporation | 7 | 5.0% | — |
| 4 | NEWREZ LLC | 7 | 5.0% | — |
| 5 | Luminate Bank 47 out of 100, Below average | 7 | 5.0% | 4.3% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 6 | 4.3% | — |
| 7 | Mortgage Research Center, LLC | 6 | 4.3% | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 2.8% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 2.8% | — |
| 10 | Broker Solutions, Inc. | 4 | 2.8% | — |
| 11 | JSC Federal Credit Union 66 out of 100, Moderate | 4 | 2.8% | 34.6% |
| 12 | RANDOLPH-BROOKS FEDERAL CREDIT UNION 76 out of 100, Strong | 4 | 2.8% | 14.3% |
| 13 | AmeriSave Mortgage Corporation | 3 | 2.1% | — |
| 14 | TAMMAC HOLDINGS CORPORATION | 3 | 2.1% | — |
| 15 | NexBank 56 out of 100, Moderate | 3 | 2.1% | 13.1% |
| 16 | LAKEVIEW LOAN SERVICING, LLC | 3 | 2.1% | — |
| 17 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 2.1% | 74.7% |
| 18 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 2.1% | — |
| 19 | Loandepot.Com, LLC | 2 | 1.4% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 1.4% | 39.5% |
| 21 | SOUTHWEST STAGE FUNDING, LLC | 2 | 1.4% | — |
| 22 | COUNTRYPLACE MORTGAGE, LTD. | 2 | 1.4% | — |
| 23 | A+ Federal Credit Union 61 out of 100, Moderate | 2 | 1.4% | 47.2% |
| 24 | Amplify | 2 | 1.4% | — |
| 25 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 1.4% | 37.2% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.7% | 14.1% |
| 27 | Fairway Independent Mortgage Corporation | 1 | 0.7% | — |
| 28 | Discover Bank | 1 | 0.7% | — |
| 29 | GUILD MORTGAGE COMPANY | 1 | 0.7% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.7% | — |
| 31 | Paramount Residential Mortgage Group, Inc. | 1 | 0.7% | — |
| 32 | AMERICAN FINANCIAL RESOURCES, INC. | 1 | 0.7% | — |
| 33 | PLANET HOME LENDING, LLC | 1 | 0.7% | — |
| 34 | Gateway First Bank 54 out of 100, Below average | 1 | 0.7% | 5.3% |
| 35 | SECURITY SERVICE FEDERAL CREDIT UNION 61 out of 100, Moderate | 1 | 0.7% | 30.8% |
| 36 | Farm Credit Mid-America | 1 | 0.7% | — |
| 37 | Prosperity Bank 71 out of 100, Strong | 1 | 0.7% | 31.5% |
| 38 | The Bank & Trust 77 out of 100, Strong | 1 | 0.7% | 13.4% |
| 39 | FINANCE OF AMERICA REVERSE LLC | 1 | 0.7% | — |
| 40 | Builder Finance Inc. | 1 | 0.7% | — |
Top 40 of 62 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
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