Mortgage lending in Smith County, Texas
Lenders in Smith County, Texas reported 8,375 mortgage applications for 2025, according to the CFPB.
8,375 mortgage applications and 4,564 loans originated in 2025; the denial rate was 26.9% of 6,714 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 housing hub: Tyler, TX MSA.
- 8,375
- Applications
- 4,564
- Loans originated
- 26.9%
- Denial rate
- 1,807 denied of 6,714 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,375 | 4,564 |
| 2024 | 7,552 | 3,946 |
| 2023 | 7,098 | 3,833 |
| 2022 | 9,164 | 5,296 |
| 2021 | 12,946 | 7,991 |
| 2020 | 11,991 | 7,440 |
| 2019 | 8,038 | 4,884 |
| 2018 | 7,182 | 4,243 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 355 | 453 |
| Rocket Mortgage | 324 | 461 |
| CMG Mortgage Inc | 312 | 410 |
| Altra Federal Credit Union | 239 | 376 |
| Austin Bank, Texas National Association | 151 | 214 |
| 21ST Mortgage | 137 | 738 |
| Primary Residential Mortgage, INC. | 115 | 142 |
| Mortgage Financial Services | 104 | 137 |
| Guild Mortgage Company | 90 | 130 |
| Southside Bank | 90 | 198 |
| Cadence Bank | 90 | 127 |
| Texas Bank and Trust | 80 | 125 |
| Platinum Eagle Mortgage, LLC | 80 | 125 |
| Regions Bank | 77 | 170 |
| Newrez LLC | 71 | 154 |
| Mortgage Research Center | 61 | 116 |
| Pennymac Loan Services LLC | 59 | 99 |
| Crosscountry Mortgage, LLC | 57 | 76 |
| Texas National Bank of Jacksonville | 55 | 71 |
| Verabank,n.a. | 52 | 71 |
| Kelly Community Fcu | 49 | 90 |
| loanDepot.com LLC | 46 | 105 |
| Fairway Independent Mort Corp | 46 | 56 |
| Freedom Mortgage Corporation | 44 | 85 |
| Highlands Residential Mortgage, Ltd. | 40 | 59 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 65 | 41.2% of 51 decided |
| Asian | 151 | 24.6% of 118 decided |
| Black or African American | 828 | 51.7% of 657 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,655 | 23.7% of 4,604 decided |
| 2 or more minority races | under 10 | |
| Joint | 241 | 23.2% of 185 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,416 | 25.4% of 1,084 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,157 | 34.6% of 935 decided |
| Not Hispanic or Latino | 5,533 | 26.0% of 4,483 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,376 | 24.8% of 1,056 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,493 | 29.1% of 2,003 decided |
| Female | 1,773 | 38.6% of 1,442 decided |
| Joint | 3,313 | 20.3% of 2,653 decided |
| Sex Not Available | 796 | 20.8% of 616 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. 825 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