Mortgage lending in Erath County, Texas
Lenders in Erath County, Texas reported 1,092 mortgage applications for 2025, according to the CFPB.
1,092 mortgage applications and 598 loans originated in 2025; the denial rate was 25.2% of 834 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Erath County, TX.
- 1,092
- Applications
- 598
- Loans originated
- 25.2%
- Denial rate
- 210 denied of 834 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,092 | 598 |
| 2024 | 1,012 | 583 |
| 2023 | 1,067 | 582 |
| 2022 | 1,275 | 752 |
| 2021 | 1,715 | 1,122 |
| 2020 | 1,561 | 1,021 |
| 2019 | 1,095 | 687 |
| 2018 | 992 | 636 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Financial Bank | 66 | 96 |
| Guild Mortgage Company | 44 | 61 |
| Rocket Mortgage | 44 | 67 |
| Members Trust of the SWFCU | 28 | 38 |
| TexasBank | 23 | 26 |
| American Neighborhood Mortgage Acceptance Company | 22 | 31 |
| United Wholesale Mortgage | 21 | 32 |
| Interbank | 20 | 38 |
| 21ST Mortgage | 19 | 81 |
| Securitynational Mortgage Company | 14 | 19 |
| Mortgage Research Center | 11 | 18 |
| Citizens National Bank of Texas | 10 | 14 |
| Gateway First Bank | 8 | 11 |
| Newrez LLC | 8 | 16 |
| Highlands Residential Mortgage, Ltd. | 8 | 12 |
| loanDepot.com LLC | 7 | 11 |
| Cornerstone Capital Bank, SSB | 7 | 10 |
| Guaranteed Rate, Inc. | 7 | 13 |
| The Loan Store, Inc | 6 | 6 |
| CMG Mortgage Inc | 6 | 7 |
| Frost Bank | 6 | 9 |
| SFMC, LP | 5 | 8 |
| Triad Financial Services, Inc. | 5 | 26 |
| Randolph-Brooks Federal Credit Union | 5 | 7 |
| Lakeview Loan Servicing, LLC | 5 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 16 | no rate: base under 50 |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 869 | 23.9% of 669 decided |
| 2 or more minority races | under 10 | |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 169 | 30.8% of 130 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 131 | 36.0% of 89 decided |
| Not Hispanic or Latino | 770 | 23.1% of 594 decided |
| Joint | 41 | no rate: base under 50 |
| Ethnicity Not Available | 150 | 25.4% of 122 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 345 | 30.7% of 251 decided |
| Female | 211 | 26.7% of 165 decided |
| Joint | 438 | 20.2% of 336 decided |
| Sex Not Available | 98 | 25.6% of 82 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. 574 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