Texas · HMDA 2025
Mortgage lenders in Zapata County, TX
55 lenders reported 203 home-loan applications in Zapata County in 2025. 65 closed as loans ($10.5M), 56 were denied — a 42.4% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 44% of applications, led by 21st Mortgage Corporation. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 203
- Loans originated
- 65
- Purchase / refinance
- 42 / 19
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Zapata County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 52 | 25.6% | — |
| 2 | Gateway First Bank 54 out of 100, Below average | 21 | 10.3% | 5.3% |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 16 | 7.9% | — |
| 4 | FirstBank 59 out of 100, Moderate | 8 | 3.9% | 42.8% |
| 5 | Loandepot.Com, LLC | 7 | 3.4% | — |
| 6 | DIRECTIONS EQUITY, LLC | 7 | 3.4% | — |
| 7 | LEADERONE FINANCIAL CORPORATION | 5 | 2.5% | — |
| 8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | 2.5% | — |
| 9 | TAMMAC HOLDINGS CORPORATION | 5 | 2.5% | — |
| 10 | Mortgage Research Center, LLC | 4 | 2.0% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 2.0% | — |
| 12 | LAKEVIEW LOAN SERVICING, LLC | 4 | 2.0% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.5% | 14.1% |
| 14 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 1.5% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.5% | — |
| 16 | PENNYMAC LOAN SERVICES, LLC | 3 | 1.5% | — |
| 17 | Rocket Mortgage, LLC | 3 | 1.5% | — |
| 18 | SOUTHWEST STAGE FUNDING, LLC | 3 | 1.5% | — |
| 19 | International Bank of Commerce | 3 | 1.5% | — |
| 20 | NEWREZ LLC | 2 | 1.0% | — |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 1.0% | 22.2% |
| 22 | PLANET HOME LENDING, LLC | 2 | 1.0% | — |
| 23 | COUNTRYPLACE MORTGAGE, LTD. | 2 | 1.0% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 2 | 1.0% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 2 | 1.0% | — |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 2 | 1.0% | 74.7% |
| 27 | ROYAL UNITED MORTGAGE LLC | 2 | 1.0% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.5% | 32.9% |
| 29 | Discover Bank | 1 | 0.5% | — |
| 30 | GUARANTEED RATE, INC. | 1 | 0.5% | — |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.5% | — |
| 32 | SPRING EQ, LLC | 1 | 0.5% | — |
| 33 | MidFirst Bank 34 out of 100, Low | 1 | 0.5% | 16.3% |
| 34 | OCEANSIDE MORTGAGE COMPANY | 1 | 0.5% | — |
| 35 | UNITED MORTGAGE CORP. | 1 | 0.5% | — |
| 36 | RALLY CREDIT UNION 76 out of 100, Strong | 1 | 0.5% | 49.8% |
| 37 | AMERICAN FINANCING CORPORATION | 1 | 0.5% | — |
| 38 | RED RIVER EMPLOYEES FEDERAL CREDIT UNION 77 out of 100, Strong | 1 | 0.5% | 19.0% |
| 39 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 1 | 0.5% | 45.9% |
| 40 | ROGUE CREDIT UNION 67 out of 100, Moderate | 1 | 0.5% | 13.2% |
Top 40 of 55 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