Mortgage lending in Jefferson County, Texas
Lenders in Jefferson County, Texas reported 5,485 mortgage applications for 2025, according to the CFPB.
5,485 mortgage applications and 3,157 loans originated in 2025; the denial rate was 23.3% of 4,433 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: Beaumont-Port Arthur, TX MSA.
- 5,485
- Applications
- 3,157
- Loans originated
- 23.3%
- Denial rate
- 1,035 denied of 4,433 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,485 | 3,157 |
| 2024 | 4,755 | 2,743 |
| 2023 | 4,937 | 2,808 |
| 2022 | 6,334 | 3,728 |
| 2021 | 8,470 | 5,155 |
| 2020 | 7,307 | 4,432 |
| 2019 | 5,762 | 3,432 |
| 2018 | 5,256 | 3,177 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Neches Federal Credit Union | 299 | 357 |
| United Wholesale Mortgage | 275 | 374 |
| Fivepoint Credit Union | 178 | 249 |
| Rocket Mortgage | 167 | 251 |
| Guild Mortgage Company | 138 | 179 |
| Dugood Federal Credit Union | 119 | 177 |
| New American Funding, LLC. | 118 | 187 |
| First Financial Bank | 108 | 145 |
| Rave Financial Credit Union | 80 | 144 |
| Crosscountry Mortgage, LLC | 73 | 107 |
| Canopy Mortgage, LLC | 71 | 105 |
| Fairway Independent Mort Corp | 60 | 80 |
| MCT Credit Union | 57 | 80 |
| RF Renovo Management Company, LLC | 52 | 56 |
| American Mortgage Bank | 52 | 75 |
| DHI Mortgage Company, LTD. | 51 | 89 |
| Mortgage Research Center | 48 | 97 |
| Gulf Credit Union | 46 | 59 |
| CMG Mortgage Inc | 43 | 57 |
| Kind Lending, LLC | 42 | 61 |
| Freedom Mortgage Corporation | 41 | 74 |
| Union Home Mortgage Corp. | 33 | 49 |
| Pennymac Loan Services LLC | 30 | 79 |
| Acrisure Mortgage, LLC | 29 | 38 |
| Southwest Funding LP | 27 | 32 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 36 | no rate: base under 50 |
| Asian | 250 | 21.4% of 206 decided |
| Black or African American | 1,063 | 38.9% of 838 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,843 | 18.8% of 2,331 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 67 | 24.1% of 54 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,199 | 20.5% of 953 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,056 | 23.3% of 856 decided |
| Not Hispanic or Latino | 3,141 | 24.6% of 2,532 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,118 | 20.9% of 896 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,207 | 24.0% of 1,760 decided |
| Female | 1,134 | 30.8% of 913 decided |
| Joint | 1,440 | 19.1% of 1,204 decided |
| Sex Not Available | 704 | 18.2% of 556 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. 1487 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