Texas · HMDA 2025
Mortgage lenders in Rains County, TX
133 lenders reported 528 home-loan applications in Rains County in 2025. 249 closed as loans ($66.0M), 85 were denied — a 23.5% denial rate on decided applications, below the Texas rate of 24.7%. The three most active lenders handled 17% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 528
- Loans originated
- 249
- Purchase / refinance
- 171 / 50
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rains County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 42 | 8.0% | — |
| 2 | Rocket Mortgage, LLC | 29 | 5.5% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 20 | 3.8% | — |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 20 | 3.8% | — |
| 5 | The City National Bank of Sulphur Springs 78 out of 100, Strong | 19 | 3.6% | 13.8% |
| 6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 18 | 3.4% | — |
| 7 | Commercial Bank of Texas, National Association | 16 | 3.0% | — |
| 8 | NEWREZ LLC | 14 | 2.7% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 14 | 2.7% | — |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 2.5% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 12 | 2.3% | — |
| 12 | GUILD MORTGAGE COMPANY | 11 | 2.1% | — |
| 13 | SOUTHWEST STAGE FUNDING, LLC | 11 | 2.1% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 11 | 2.1% | — |
| 15 | Austin Bank, Texas National Association 88 out of 100, Very strong | 10 | 1.9% | 19.4% |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.7% | 14.1% |
| 17 | Fairway Independent Mortgage Corporation | 9 | 1.7% | — |
| 18 | Mortgage Research Center, LLC | 9 | 1.7% | — |
| 19 | COUNTRYPLACE MORTGAGE, LTD. | 9 | 1.7% | — |
| 20 | The American National Bank of Texas 61 out of 100, Moderate | 9 | 1.7% | 11.4% |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 1.5% | — |
| 22 | Broker Solutions, Inc. | 7 | 1.3% | — |
| 23 | SUMMIT FUNDING, INC. | 7 | 1.3% | — |
| 24 | CMG MORTGAGE, INC. | 6 | 1.1% | — |
| 25 | AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | 1.1% | — |
| 26 | Alliance Bank | 5 | 0.9% | — |
| 27 | Nations Lending Corporation | 5 | 0.9% | — |
| 28 | TAMMAC HOLDINGS CORPORATION | 5 | 0.9% | — |
| 29 | INTEGRITY MORTGAGE CORPORATION OF TEXAS | 5 | 0.9% | — |
| 30 | Loandepot.Com, LLC | 4 | 0.8% | — |
| 31 | Regions Bank 64 out of 100, Moderate | 4 | 0.8% | 43.1% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 0.8% | 39.5% |
| 33 | First National Bank of East Texas 60 out of 100, Moderate | 4 | 0.8% | 13.4% |
| 34 | PLANET HOME LENDING, LLC | 4 | 0.8% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 4 | 0.8% | — |
| 36 | FREEDOM MORTGAGE CORPORATION | 4 | 0.8% | — |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.6% | 32.9% |
| 38 | Truist Bank 63 out of 100, Moderate | 3 | 0.6% | 40.8% |
| 39 | Discover Bank | 3 | 0.6% | — |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.6% | 44.7% |
Top 40 of 133 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