Texas · HMDA 2025
Mortgage lenders in Shelby County, TX
110 lenders reported 680 home-loan applications in Shelby County in 2025. 233 closed as loans ($46.9M), 206 were denied — a 41.2% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 43% of applications, led by 21st Mortgage Corporation. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 680
- Loans originated
- 233
- Purchase / refinance
- 183 / 34
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 165 | 24.3% | — |
| 2 | TRIAD FINANCIAL SERVICES, INC. | 83 | 12.2% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 46 | 6.8% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 5.1% | — |
| 5 | Shelby Savings Bank, SSB 69 out of 100, Moderate | 28 | 4.1% | 10.5% |
| 6 | Rocket Mortgage, LLC | 17 | 2.5% | — |
| 7 | Mortgage Research Center, LLC | 17 | 2.5% | — |
| 8 | Austin Bank, Texas National Association 88 out of 100, Very strong | 16 | 2.4% | 19.4% |
| 9 | Sabine State Bank and Trust Company | 14 | 2.1% | — |
| 10 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 13 | 1.9% | 74.7% |
| 11 | CMG MORTGAGE, INC. | 11 | 1.6% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 11 | 1.6% | — |
| 13 | TAMMAC HOLDINGS CORPORATION | 11 | 1.6% | — |
| 14 | FirstBank 59 out of 100, Moderate | 11 | 1.6% | 42.8% |
| 15 | SOUTHWEST STAGE FUNDING, LLC | 10 | 1.5% | — |
| 16 | GUILD MORTGAGE COMPANY | 7 | 1.0% | — |
| 17 | NEWREZ LLC | 6 | 0.9% | — |
| 18 | Broker Solutions, Inc. | 6 | 0.9% | — |
| 19 | UNITED BUILT HOMES, L.L.C. | 6 | 0.9% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 6 | 0.9% | — |
| 21 | RIGHT START MORTGAGE, INC. | 6 | 0.9% | — |
| 22 | The First National Bank of Hughes Springs | 5 | 0.7% | — |
| 23 | Prosperity Bank 71 out of 100, Strong | 5 | 0.7% | 31.5% |
| 24 | BOM Bank 60 out of 100, Moderate | 5 | 0.7% | 9.5% |
| 25 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.7% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.6% | 32.9% |
| 27 | Fairway Independent Mortgage Corporation | 4 | 0.6% | — |
| 28 | Loandepot.Com, LLC | 4 | 0.6% | — |
| 29 | AmeriSave Mortgage Corporation | 4 | 0.6% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.6% | — |
| 31 | Equity Prime Mortgage LLC | 4 | 0.6% | — |
| 32 | Commercial Bank of Texas, National Association | 4 | 0.6% | — |
| 33 | MOVEMENT MORTGAGE, LLC | 3 | 0.4% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.4% | — |
| 35 | CSL Financial, LLC | 3 | 0.4% | — |
| 36 | EUSTIS MORTGAGE CORPORATION | 3 | 0.4% | — |
| 37 | Plains Commerce Bank 59 out of 100, Moderate | 3 | 0.4% | 10.0% |
| 38 | UNION HOME MORTGAGE CORP. | 3 | 0.4% | — |
| 39 | Progressive National Bank 57 out of 100, Moderate | 3 | 0.4% | 2.1% |
| 40 | Citibank, National Association 60 out of 100, Moderate | 3 | 0.4% | 24.0% |
Top 40 of 110 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