Texas · HMDA 2025
Mortgage lenders in Stephens County, TX
83 lenders reported 275 home-loan applications in Stephens County in 2025. 136 closed as loans ($22.4M), 57 were denied — a 28.1% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 36% of applications, led by Clear Fork Bank, National Association. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 275
- Loans originated
- 136
- Purchase / refinance
- 78 / 38
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stephens County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Clear Fork Bank, National Association 79 out of 100, Strong | 54 | 19.6% | 4.8% |
| 2 | Rocket Mortgage, LLC | 23 | 8.4% | — |
| 3 | InterBank 62 out of 100, Moderate | 22 | 8.0% | 11.3% |
| 4 | 21st Mortgage Corporation | 21 | 7.6% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 2.9% | — |
| 6 | NEWREZ LLC | 6 | 2.2% | — |
| 7 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 2.2% | 14.1% |
| 8 | GUILD MORTGAGE COMPANY | 5 | 1.8% | — |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 5 | 1.8% | — |
| 10 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.8% | — |
| 11 | NETWORK FUNDING, L.P. | 5 | 1.8% | — |
| 12 | First Financial Bank 76 out of 100, Strong | 5 | 1.8% | 12.6% |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 1.5% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 4 | 1.5% | — |
| 15 | Mortgage Research Center, LLC | 4 | 1.5% | — |
| 16 | LAKEVIEW LOAN SERVICING, LLC | 4 | 1.5% | — |
| 17 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 4 | 1.5% | 74.7% |
| 18 | TexasBank | 4 | 1.5% | — |
| 19 | CMG MORTGAGE, INC. | 3 | 1.1% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 1.1% | — |
| 21 | Bank of America, National Association 59 out of 100, Moderate | 3 | 1.1% | 44.7% |
| 22 | Frost Bank 66 out of 100, Moderate | 3 | 1.1% | 43.5% |
| 23 | MORTGAGE FINANCIAL SERVICES, LLC | 3 | 1.1% | — |
| 24 | Fairway Independent Mortgage Corporation | 2 | 0.7% | — |
| 25 | Discover Bank | 2 | 0.7% | — |
| 26 | MORTGAGE CLEARING CORPORATION | 2 | 0.7% | — |
| 27 | CREDIT UNION OF TEXAS 43 out of 100, Below average | 2 | 0.7% | 32.5% |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | 0.7% | — |
| 29 | PLANET HOME LENDING, LLC | 2 | 0.7% | — |
| 30 | AMERICAN FINANCING CORPORATION | 2 | 0.7% | — |
| 31 | COUNTRYPLACE MORTGAGE, LTD. | 2 | 0.7% | — |
| 32 | ROYAL UNITED MORTGAGE LLC | 2 | 0.7% | — |
| 33 | BOKF, National Association 64 out of 100, Moderate | 2 | 0.7% | 27.5% |
| 34 | First National Bank Texas 64 out of 100, Moderate | 2 | 0.7% | 3.8% |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.4% | 32.9% |
| 36 | Loandepot.Com, LLC | 1 | 0.4% | — |
| 37 | Broker Solutions, Inc. | 1 | 0.4% | — |
| 38 | GUARANTEED RATE, INC. | 1 | 0.4% | — |
| 39 | Regions Bank 64 out of 100, Moderate | 1 | 0.4% | 43.1% |
| 40 | AmeriSave Mortgage Corporation | 1 | 0.4% | — |
Top 40 of 83 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