Mortgage lending in Shelby County, Texas
Lenders in Shelby County, Texas reported 649 mortgage applications for 2025, according to the CFPB.
649 mortgage applications and 233 loans originated in 2025; the denial rate was 41.2% of 500 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Shelby County, TX.
- 649
- Applications
- 233
- Loans originated
- 41.2%
- Denial rate
- 206 denied of 500 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 649 | 233 |
| 2024 | 537 | 177 |
| 2023 | 574 | 176 |
| 2022 | 686 | 239 |
| 2021 | 728 | 275 |
| 2020 | 597 | 227 |
| 2019 | 431 | 151 |
| 2018 | 374 | 142 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| 21ST Mortgage | 38 | 165 |
| United Wholesale Mortgage | 26 | 35 |
| Shelby | 15 | 28 |
| Triad Financial Services, Inc. | 12 | 83 |
| Rocket Mortgage | 10 | 17 |
| Vanderbilt Mortgage and Finance, Inc | 9 | 46 |
| Austin Bank, Texas National Association | 8 | 16 |
| Sabine State Bank and Trust Company | 7 | 14 |
| Guild Mortgage Company | 6 | 7 |
| Mortgage Research Center | 6 | 17 |
| BOM Bank | 5 | 5 |
| Commercial Bank of Texas, NA | 4 | 4 |
| Right Start Mortgage, Inc | 4 | 6 |
| The First National Bank of Hughes Springs | 3 | 5 |
| CSL Financial, LLC | 3 | 3 |
| Eustis Mortgage Corp | 3 | 3 |
| CMG Mortgage Inc | 3 | 11 |
| Equity Prime Mortgage LLC | 3 | 4 |
| Plains Commerce Bank | 3 | 3 |
| Nationstar Mortgage | 3 | 5 |
| Fairway Independent Mort Corp | 3 | 4 |
| Union Home Mortgage Corp. | 3 | 3 |
| Progressive National Bank | 3 | 3 |
| Southwest Stage Funding LLC | 2 | 10 |
| Navy Federal Credit Union | 2 | 4 |
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 | 124 | 68.6% of 102 decided |
| White | 431 | 35.4% of 328 decided |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 72 | 30.4% of 56 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 95 | 31.3% of 64 decided |
| Not Hispanic or Latino | 452 | 41.3% of 351 decided |
| Joint | 16 | no rate: base under 50 |
| Ethnicity Not Available | 86 | 46.6% of 73 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 246 | 44.3% of 194 decided |
| Female | 123 | 63.0% of 92 decided |
| Joint | 249 | 30.3% of 188 decided |
| Sex Not Available | 31 | 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. 1869 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