Mortgage lending in Polk County, Texas
Lenders in Polk County, Texas reported 1,782 mortgage applications for 2025, according to the CFPB.
1,782 mortgage applications and 678 loans originated in 2025; the denial rate was 40.3% of 1,333 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: Polk County, TX.
- 1,782
- Applications
- 678
- Loans originated
- 40.3%
- Denial rate
- 537 denied of 1,333 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,782 | 678 |
| 2024 | 1,518 | 610 |
| 2023 | 1,445 | 540 |
| 2022 | 1,971 | 856 |
| 2021 | 2,276 | 1,089 |
| 2020 | 2,040 | 965 |
| 2019 | 1,296 | 607 |
| 2018 | 1,186 | 579 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| 21ST Mortgage | 71 | 333 |
| Rocket Mortgage | 60 | 97 |
| United Wholesale Mortgage | 58 | 82 |
| Highlands Residential Mortgage, Ltd. | 24 | 30 |
| Vanderbilt Mortgage and Finance, Inc | 20 | 112 |
| CMG Mortgage Inc | 20 | 29 |
| Mortgage Research Center | 17 | 38 |
| Triad Financial Services, Inc. | 15 | 137 |
| Eustis Mortgage Corp | 14 | 22 |
| Freedom Mortgage Corporation | 12 | 22 |
| Fairway Independent Mort Corp | 10 | 15 |
| Crosscountry Mortgage, LLC | 10 | 14 |
| Newrez LLC | 8 | 25 |
| First Liberty Bank | 8 | 14 |
| Peoples State Bank | 8 | 9 |
| Nationstar Mortgage | 7 | 12 |
| JPMorgan Chase Bank, NA | 7 | 12 |
| Champions Funding, LLC | 7 | 13 |
| First State Bank | 6 | 10 |
| Guild Mortgage Company | 6 | 10 |
| New American Funding, LLC. | 6 | 22 |
| Kind Lending, LLC | 6 | 10 |
| Hometown Equity Mortgage, LLC | 6 | 13 |
| Stellar Bank | 6 | 7 |
| Navy Federal Credit Union | 5 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 17 | no rate: base under 50 |
| Asian | 27 | no rate: base under 50 |
| Black or African American | 115 | 62.2% of 82 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,278 | 38.0% of 975 decided |
| 2 or more minority races | under 10 | |
| Joint | 29 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 313 | 42.1% of 221 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 222 | 61.5% of 161 decided |
| Not Hispanic or Latino | 1,195 | 38.0% of 916 decided |
| Joint | 67 | 44.2% of 52 decided |
| Ethnicity Not Available | 298 | 32.8% of 204 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 639 | 44.4% of 475 decided |
| Female | 367 | 50.0% of 278 decided |
| Joint | 629 | 33.3% of 480 decided |
| Sex Not Available | 147 | 27.0% of 100 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. 1492 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