Mortgage lending in Cherokee County, Texas
Lenders in Cherokee County, Texas reported 1,685 mortgage applications for 2025, according to the CFPB.
1,685 mortgage applications and 744 loans originated in 2025; the denial rate was 35.5% of 1,313 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Cherokee County, TX.
- 1,685
- Applications
- 744
- Loans originated
- 35.5%
- Denial rate
- 466 denied of 1,313 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,685 | 744 |
| 2024 | 1,523 | 645 |
| 2023 | 1,577 | 710 |
| 2022 | 1,844 | 922 |
| 2021 | 2,185 | 1,139 |
| 2020 | 2,027 | 1,003 |
| 2019 | 1,485 | 750 |
| 2018 | 1,324 | 696 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Austin Bank, Texas National Association | 102 | 153 |
| Rocket Mortgage | 59 | 95 |
| United Wholesale Mortgage | 51 | 66 |
| 21ST Mortgage | 49 | 281 |
| Altra Federal Credit Union | 35 | 49 |
| CMG Mortgage Inc | 34 | 49 |
| Texas National Bank of Jacksonville | 20 | 33 |
| Vanderbilt Mortgage and Finance, Inc | 18 | 76 |
| Primary Residential Mortgage, INC. | 17 | 17 |
| Mortgage Research Center | 13 | 32 |
| Triad Financial Services, Inc. | 12 | 93 |
| Guaranteed Rate, Inc. | 11 | 14 |
| Crosscountry Mortgage, LLC | 11 | 17 |
| Prosperity Bank | 10 | 26 |
| Farm Credit Mid-America, Aca | 9 | 12 |
| Guild Mortgage Company | 9 | 12 |
| Navy Federal Credit Union | 8 | 13 |
| Mortgage Financial Services | 8 | 9 |
| Newrez LLC | 8 | 25 |
| Commercial Bank of Texas, NA | 8 | 9 |
| Greenbox Loans | 8 | 8 |
| Citizens 1st Bank, Tyler TX | 7 | 7 |
| Cardinal Financial Company, Li | 7 | 7 |
| loanDepot.com LLC | 6 | 13 |
| Freedom Mortgage Corporation | 6 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 16 | no rate: base under 50 |
| Black or African American | 136 | 66.0% of 103 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,234 | 33.6% of 974 decided |
| Joint | 47 | no rate: base under 50 |
| Race Not Available | 236 | 32.2% of 174 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 240 | 42.8% of 194 decided |
| Not Hispanic or Latino | 1,097 | 33.0% of 857 decided |
| Joint | withheld | |
| Ethnicity Not Available | 275 | 38.9% of 203 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 524 | 34.6% of 408 decided |
| Female | 363 | 52.6% of 287 decided |
| Joint | 665 | 28.0% of 529 decided |
| Sex Not Available | 133 | 29.2% of 89 decided |
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.
Rankings this appears in
- No. 1324 Counties by median mortgage
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