Texas · HMDA 2025
Mortgage lenders in Smith County, TX
403 lenders reported 9,413 home-loan applications in Smith County in 2025. 4,564 closed as loans ($1.3B), 1,807 were denied — a 26.9% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 18% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,413
- Loans originated
- 4,564
- Purchase / refinance
- 2,949 / 1,127
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Smith County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 740 | 7.9% | — |
| 2 | Rocket Mortgage, LLC | 465 | 4.9% | — |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 457 | 4.9% | — |
| 4 | CMG MORTGAGE, INC. | 411 | 4.4% | — |
| 5 | ALTRA Federal Credit Union 78 out of 100, Strong | 376 | 4.0% | 9.3% |
| 6 | NEWREZ LLC | 297 | 3.2% | — |
| 7 | LAKEVIEW LOAN SERVICING, LLC | 259 | 2.8% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 232 | 2.5% | — |
| 9 | Austin Bank, Texas National Association 88 out of 100, Very strong | 214 | 2.3% | 19.4% |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 209 | 2.2% | — |
| 11 | Southside Bank 75 out of 100, Strong | 198 | 2.1% | 42.2% |
| 12 | Regions Bank 64 out of 100, Moderate | 170 | 1.8% | 43.1% |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 155 | 1.6% | 14.1% |
| 14 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 142 | 1.5% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 141 | 1.5% | — |
| 16 | MORTGAGE FINANCIAL SERVICES, LLC | 137 | 1.5% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 134 | 1.4% | — |
| 18 | GUILD MORTGAGE COMPANY | 130 | 1.4% | — |
| 19 | Cadence Bank | 127 | 1.3% | — |
| 20 | Texas Bank and Trust Company | 125 | 1.3% | — |
| 21 | PLATINUM EAGLE MORTGAGE LLC | 125 | 1.3% | — |
| 22 | Mortgage Research Center, LLC | 116 | 1.2% | — |
| 23 | Loandepot.Com, LLC | 105 | 1.1% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 104 | 1.1% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 92 | 1.0% | — |
| 26 | KELLY COMMUNITY FEDERAL CREDIT UNION 75 out of 100, Strong | 90 | 1.0% | 34.0% |
| 27 | Bank of America, National Association 59 out of 100, Moderate | 89 | 0.9% | 44.7% |
| 28 | PLANET HOME LENDING, LLC | 77 | 0.8% | — |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 76 | 0.8% | — |
| 30 | GUARANTEED RATE, INC. | 75 | 0.8% | — |
| 31 | VeraBank, National Association | 71 | 0.8% | — |
| 32 | Texas National Bank of Jacksonville | 71 | 0.8% | — |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 65 | 0.7% | 32.9% |
| 34 | Broker Solutions, Inc. | 62 | 0.7% | — |
| 35 | Prosperity Bank 71 out of 100, Strong | 62 | 0.7% | 31.5% |
| 36 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 59 | 0.6% | — |
| 37 | Fairway Independent Mortgage Corporation | 57 | 0.6% | — |
| 38 | Discover Bank | 54 | 0.6% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 54 | 0.6% | 33.8% |
| 40 | FirstBank 59 out of 100, Moderate | 54 | 0.6% | 42.8% |
Top 40 of 403 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