Texas · HMDA 2025
Mortgage lenders in Upshur County, TX
193 lenders reported 1,804 home-loan applications in Upshur County in 2025. 832 closed as loans ($190.9M), 381 were denied — a 29.2% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 17% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,804
- Loans originated
- 832
- Purchase / refinance
- 484 / 261
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Upshur County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 148 | 8.2% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 77 | 4.3% | — |
| 3 | Rocket Mortgage, LLC | 77 | 4.3% | — |
| 4 | CREDIT UNION OF TEXAS 43 out of 100, Below average | 76 | 4.2% | 32.5% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 72 | 4.0% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 62 | 3.4% | — |
| 7 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 59 | 3.3% | 26.9% |
| 8 | EAST TEXAS PROFESSIONAL Credit Union 90 out of 100, Very strong | 55 | 3.0% | 23.5% |
| 9 | GUILD MORTGAGE COMPANY | 52 | 2.9% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 51 | 2.8% | — |
| 11 | Austin Bank, Texas National Association 88 out of 100, Very strong | 50 | 2.8% | 19.4% |
| 12 | Gilmer National Bank, Gilmer, Texas 40 out of 100, Below average | 49 | 2.7% | 5.3% |
| 13 | LAKEVIEW LOAN SERVICING, LLC | 42 | 2.3% | — |
| 14 | Mortgage Research Center, LLC | 38 | 2.1% | — |
| 15 | Fairway Independent Mortgage Corporation | 35 | 1.9% | — |
| 16 | First National Bank of East Texas 60 out of 100, Moderate | 32 | 1.8% | 13.4% |
| 17 | Loandepot.Com, LLC | 31 | 1.7% | — |
| 18 | NEWREZ LLC | 28 | 1.6% | — |
| 19 | CMG MORTGAGE, INC. | 22 | 1.2% | — |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 22 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 22 | 1.2% | — |
| 22 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 22 | 1.2% | 74.7% |
| 23 | Cadence Bank | 22 | 1.2% | — |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 21 | 1.2% | — |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 18 | 1.0% | — |
| 26 | Texas Bank and Trust Company | 18 | 1.0% | — |
| 27 | TEXAS MORTGAGE LENDING, LLC | 17 | 0.9% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 0.9% | 14.1% |
| 29 | T2 FINANCIAL LLC | 16 | 0.9% | — |
| 30 | PLANET HOME LENDING, LLC | 15 | 0.8% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 15 | 0.8% | — |
| 32 | Texas Heritage National Bank 59 out of 100, Moderate | 14 | 0.8% | 7.1% |
| 33 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 14 | 0.8% | — |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 0.8% | — |
| 35 | TAMMAC HOLDINGS CORPORATION | 13 | 0.7% | — |
| 36 | Community Bank 82 out of 100, Strong | 13 | 0.7% | 6.1% |
| 37 | Broker Solutions, Inc. | 12 | 0.7% | — |
| 38 | Spring Hill State Bank | 12 | 0.7% | — |
| 39 | MORTGAGE FINANCIAL SERVICES, LLC | 12 | 0.7% | — |
| 40 | Regions Bank 64 out of 100, Moderate | 11 | 0.6% | 43.1% |
Top 40 of 193 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