Mortgage lending in Freestone County, Texas
Lenders in Freestone County, Texas reported 786 mortgage applications for 2025, according to the CFPB.
786 mortgage applications and 308 loans originated in 2025; the denial rate was 39.2% of 564 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Freestone County, TX.
- 786
- Applications
- 308
- Loans originated
- 39.2%
- Denial rate
- 221 denied of 564 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 786 | 308 |
| 2024 | 736 | 281 |
| 2023 | 714 | 281 |
| 2022 | 743 | 335 |
| 2021 | 759 | 373 |
| 2020 | 690 | 374 |
| 2019 | 539 | 248 |
| 2018 | 464 | 207 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 29 | 49 |
| Incommons Bank, N.A. | 26 | 43 |
| 21ST Mortgage | 25 | 169 |
| Loanpeople, LLC | 21 | 32 |
| Guild Mortgage Company | 14 | 20 |
| Vanderbilt Mortgage and Finance, Inc | 13 | 73 |
| United Wholesale Mortgage | 13 | 18 |
| Prosperity Bank | 11 | 18 |
| Mortgage Research Center | 10 | 13 |
| Southwest Stage Funding LLC | 8 | 19 |
| Triad Financial Services, Inc. | 7 | 57 |
| Synergy One Lending, Inc. | 5 | 5 |
| Verabank,n.a. | 5 | 6 |
| Benchmark Bank | 4 | 4 |
| Community National Bank & Trust of Texas | 4 | 4 |
| CMG Mortgage Inc | 4 | 8 |
| Securitynational Mortgage Company | 4 | 7 |
| Network Funding, L.P. | 3 | 5 |
| Gateway First Bank | 3 | 3 |
| American Portfolio Mortgage Corporation | 3 | 3 |
| First Financial Bank | 3 | 4 |
| JPMorgan Chase Bank, NA | 3 | 5 |
| Wells Fargo Bank NA | 3 | 3 |
| Pennymac Loan Services LLC | 3 | 5 |
| TexasBank | 2 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 105 | 66.2% of 77 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 543 | 32.9% of 392 decided |
| 2 or more minority races | under 10 | |
| Joint | 15 | no rate: base under 50 |
| Race Not Available | 106 | 41.3% of 75 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 109 | 51.9% of 77 decided |
| Not Hispanic or Latino | 531 | 36.5% of 384 decided |
| Joint | withheld | |
| Ethnicity Not Available | 122 | 43.0% of 86 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 286 | 35.1% of 202 decided |
| Female | 172 | 51.9% of 131 decided |
| Joint | 273 | 35.1% of 188 decided |
| Sex Not Available | 55 | no rate: base under 50 |
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. 1485 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