Mortgage lending in Stephens County, Texas
Lenders in Stephens County, Texas reported 250 mortgage applications for 2025, according to the CFPB.
250 mortgage applications and 136 loans originated in 2025; the denial rate was 28.1% of 203 applications decided. The median loan was about $130,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Stephens County, TX.
- 250
- Applications
- 136
- Loans originated
- 28.1%
- Denial rate
- 57 denied of 203 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 250 | 136 |
| 2024 | 211 | 104 |
| 2023 | 223 | 109 |
| 2022 | 278 | 130 |
| 2021 | 327 | 173 |
| 2020 | 294 | 156 |
| 2019 | 221 | 116 |
| 2018 | 262 | 145 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Clear Fork Bank N.A. | 48 | 54 |
| Interbank | 13 | 22 |
| Rocket Mortgage | 11 | 22 |
| 21ST Mortgage | 5 | 21 |
| United Wholesale Mortgage | 4 | 8 |
| First Financial Bank | 4 | 5 |
| Mortgage Financial Services | 3 | 3 |
| Guild Mortgage Company | 3 | 5 |
| TexasBank | 2 | 4 |
| Primelending | 2 | 2 |
| Triad Financial Services, Inc. | 2 | 5 |
| Liberty Capital Bank | 1 | 1 |
| Network Funding, L.P. | 1 | 5 |
| Paramount Residential Mortgage | 1 | 1 |
| Ladera Lending, Inc. | 1 | 1 |
| Southwest Stage Funding LLC | 1 | 1 |
| Gateway First Bank | 1 | 1 |
| Navy Federal Credit Union | 1 | 1 |
| First National Bank Texas | 1 | 2 |
| Abilene Teachers FCU | 1 | 1 |
| loanDepot.com LLC | 1 | 1 |
| West Texas National Bank | 1 | 1 |
| Jacksboro National Bank | 1 | 1 |
| Mortgage Research Center | 1 | 4 |
| American Neighborhood Mortgage Acceptance Company | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 215 | 29.5% of 173 decided |
| Joint | under 10 | |
| Race Not Available | 25 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 32 | no rate: base under 50 |
| Not Hispanic or Latino | 169 | 30.4% of 138 decided |
| Joint | 21 | no rate: base under 50 |
| Ethnicity Not Available | 28 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 89 | 29.2% of 72 decided |
| Female | 41 | no rate: base under 50 |
| Joint | 102 | 26.8% of 82 decided |
| Sex Not Available | 18 | 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. 2302 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