Mortgage lending in Baylor County, Texas

Lenders in Baylor County, Texas reported 64 mortgage applications for 2025, according to the CFPB.

64 mortgage applications and 32 loans originated in 2025; the denial rate was under 50 decided of 42 applications decided. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Baylor County, TX.

64
Applications: 32
Loans originated: under 50 decided
Denial rate: 8 denied of 42 applications decided.

Every year

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Mortgage applications and loans originated in Baylor County, Texas, by year
Year	Applications	Originated	Denied
2025	64	32	8
2024	63	32	15
2023	51	25	17
2022	105	66	17
2021	82	42	11
2020	68	39	14
2019	68	46	13
2018	53	34	13

The largest lenders here

Lenders in Baylor County, Texas by loans originated, 2025
Lender	Originated	Applications
Flat Branch Mortgage, Inc.	5	5
Herring Bank	3	3
Texoma Community Credit Union	3	3
Interbank	2	2
NBKC Bank	1	1
Paramount Residential Mortgage	1	1
loanDepot.com LLC	1	1
West Texas National Bank	1	1
Jacksboro National Bank	1	1
First United Bank	1	1
Eustis Mortgage Corp	1	1
First United Bank and Trust Co	1	2
Extraco Banks, NA	1	1
Rocket Mortgage	1	3
T2 Financial LLC	1	1
Nationstar Mortgage	1	1
Randolph-Brooks Federal Credit Union	1	1
Residential Wholesale Mortgage	1	1
First Option Mortgage, LLC	1	2
Credit Human Federal Credit Un	1	1
Texas Tech Federal Credit Union	1	1
Royal United Mortgage LLC	1	2
PHH Mortgage Corporation	1	2
Empeople Credit Union	0	1
AmeriHome Mortgage Company, LLC	0	0

Applications by race, ethnicity and sex, 2025

By race, Baylor County, Texas: applications and denial rate
Category	Applications	Denial rate
Black or African American	under 10
White	52	no rate: base under 50
Joint	under 10
Race Not Available	under 10

By ethnicity, Baylor County, Texas: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	49	no rate: base under 50
Joint	under 10
Ethnicity Not Available	10	no rate: base under 50

By sex, Baylor County, Texas: applications and denial rate
Category	Applications	Denial rate
Male	29	no rate: base under 50
Female	under 10
Joint	26	no rate: base under 50
Sex Not Available	under 10

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Sources

HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved October 22, 2026