Mortgage lending in Gaines County, Texas
Lenders in Gaines County, Texas reported 1,084 mortgage applications for 2025, according to the CFPB.
1,084 mortgage applications and 451 loans originated in 2025; the denial rate was 39.0% of 799 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Gaines County, TX.
- 1,084
- Applications
- 451
- Loans originated
- 39.0%
- Denial rate
- 312 denied of 799 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,084 | 451 |
| 2024 | 825 | 373 |
| 2023 | 623 | 259 |
| 2022 | 677 | 309 |
| 2021 | 814 | 401 |
| 2020 | 830 | 392 |
| 2019 | 656 | 303 |
| 2018 | 589 | 294 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| 21ST Mortgage | 79 | 401 |
| Ark-LA-Tex Financial Services LLC | 44 | 48 |
| Rocket Mortgage | 41 | 53 |
| Paramount Residential Mortgage | 23 | 27 |
| First United Bank | 22 | 23 |
| Triad Financial Services, Inc. | 14 | 49 |
| United Wholesale Mortgage | 12 | 17 |
| West Texas National Bank | 10 | 19 |
| Primelending | 8 | 9 |
| Mortgage Research Center | 8 | 12 |
| Highlands Residential Mortgage, Ltd. | 8 | 11 |
| JPMorgan Chase Bank, NA | 8 | 10 |
| Southwest Stage Funding LLC | 7 | 19 |
| City Bank | 7 | 9 |
| Cardinal Financial Company, Li | 7 | 15 |
| Crosscountry Mortgage, LLC | 7 | 10 |
| Geneva Financial LLC | 6 | 10 |
| Synergy One Lending, Inc. | 5 | 6 |
| American Momentum Bank | 5 | 15 |
| Alliance Credit Union | 5 | 6 |
| Complex Community Federal Cu | 4 | 4 |
| Click n' Close, Inc. | 4 | 9 |
| American Portfolio Mortgage Corporation | 4 | 5 |
| Equity Prime Mortgage LLC | 4 | 5 |
| Nationstar Mortgage | 4 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 10 | no rate: base under 50 |
| Black or African American | under 10 | |
| White | 776 | 35.7% of 582 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 264 | 49.5% of 186 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 479 | 43.7% of 343 decided |
| Not Hispanic or Latino | 358 | 26.9% of 275 decided |
| Joint | 51 | no rate: base under 50 |
| Ethnicity Not Available | 196 | 46.4% of 140 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 505 | 37.6% of 378 decided |
| Female | 133 | 48.0% of 98 decided |
| Joint | 332 | 34.9% of 238 decided |
| Sex Not Available | 114 | 47.1% of 85 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. 820 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