Mortgage lending in Gray County, Texas
Lenders in Gray County, Texas reported 447 mortgage applications for 2025, according to the CFPB.
447 mortgage applications and 253 loans originated in 2025; the denial rate was 21.7% of 346 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Gray County, TX.
- 447
- Applications
- 253
- Loans originated
- 21.7%
- Denial rate
- 75 denied of 346 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 447 | 253 |
| 2024 | 425 | 231 |
| 2023 | 420 | 225 |
| 2022 | 479 | 294 |
| 2021 | 659 | 388 |
| 2020 | 538 | 318 |
| 2019 | 466 | 283 |
| 2018 | 354 | 223 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| FirstBank Southwest | 45 | 61 |
| Rocket Mortgage | 21 | 29 |
| Das Acquisition Company, LLC | 21 | 27 |
| Amarillo National Bank | 18 | 25 |
| RANLife, Inc. | 12 | 14 |
| Eustis Mortgage Corp | 11 | 15 |
| Mortgage Research Center | 9 | 14 |
| Centennial Bank | 8 | 16 |
| Equity Prime Mortgage LLC | 8 | 13 |
| Acfcu Federal Credit Union | 8 | 13 |
| United Wholesale Mortgage | 5 | 8 |
| Right Start Mortgage, Inc | 5 | 7 |
| The Mortgage Link, Inc. | 4 | 6 |
| Alliance Credit Union | 4 | 6 |
| First Colony Mortgage Corporat | 3 | 4 |
| New American Funding, LLC. | 3 | 9 |
| CMG Mortgage Inc | 3 | 3 |
| 21ST Mortgage | 3 | 22 |
| The Loan Store, Inc | 2 | 2 |
| Nations Lending Corporation | 2 | 2 |
| Paramount Residential Mortgage | 2 | 2 |
| First United Bank | 2 | 2 |
| Freedom Mortgage Corporation | 2 | 3 |
| Kind Lending, LLC | 2 | 2 |
| FocusOne Mortgage, LLC | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 325 | 20.1% of 254 decided |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 100 | 23.0% of 74 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 67 | 29.4% of 51 decided |
| Not Hispanic or Latino | 271 | 19.0% of 211 decided |
| Joint | 21 | no rate: base under 50 |
| Ethnicity Not Available | 88 | 22.4% of 67 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 174 | 24.1% of 133 decided |
| Female | 66 | 13.0% of 54 decided |
| Joint | 145 | 22.3% of 112 decided |
| Sex Not Available | 62 | 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. 2265 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