Mortgage lending in Upshur County, Texas
Lenders in Upshur County, Texas reported 1,649 mortgage applications for 2025, according to the CFPB.
1,649 mortgage applications and 832 loans originated in 2025; the denial rate was 29.2% of 1,304 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Longview, TX HUD Metro FMR Area.
- 1,649
- Applications
- 832
- Loans originated
- 29.2%
- Denial rate
- 381 denied of 1,304 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,649 | 832 |
| 2024 | 1,478 | 750 |
| 2023 | 1,482 | 731 |
| 2022 | 1,839 | 903 |
| 2021 | 2,100 | 1,141 |
| 2020 | 1,916 | 1,061 |
| 2019 | 1,412 | 809 |
| 2018 | 1,250 | 697 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Credit Union of Texas | 47 | 76 |
| United Wholesale Mortgage | 46 | 62 |
| Rocket Mortgage | 45 | 77 |
| Gilmer National Bank | 45 | 49 |
| Guild Mortgage Company | 38 | 52 |
| Eastman Credit Union | 38 | 59 |
| 21ST Mortgage | 31 | 148 |
| East Texas Professional C.U. | 30 | 55 |
| Austin Bank, Texas National Association | 29 | 50 |
| loanDepot.com LLC | 23 | 31 |
| First National Bank of East Texas | 22 | 32 |
| Vanderbilt Mortgage and Finance, Inc | 19 | 75 |
| Fairway Independent Mort Corp | 19 | 35 |
| Mortgage Research Center | 18 | 38 |
| CMG Mortgage Inc | 18 | 22 |
| T2 Financial LLC | 14 | 16 |
| Pennymac Loan Services LLC | 14 | 23 |
| Texas Heritage National Bank | 12 | 14 |
| Texas Bank and Trust | 12 | 18 |
| Community Bank | 12 | 13 |
| Highlands Residential Mortgage, Ltd. | 10 | 14 |
| Cadence Bank | 10 | 22 |
| The First National Bank of Hughes Springs | 9 | 11 |
| Mortgage Financial Services | 9 | 12 |
| Triad Financial Services, Inc. | 9 | 72 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 77 | 41.7% of 60 decided |
| White | 1,267 | 29.0% of 1,005 decided |
| 2 or more minority races | under 10 | |
| Joint | 44 | no rate: base under 50 |
| Race Not Available | 238 | 23.3% of 189 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 91 | 31.8% of 63 decided |
| Not Hispanic or Latino | 1,226 | 28.1% of 971 decided |
| Joint | withheld | |
| Ethnicity Not Available | 268 | 32.6% of 215 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 544 | 28.4% of 422 decided |
| Female | 269 | 39.1% of 210 decided |
| Joint | 701 | 26.7% of 559 decided |
| Sex Not Available | 135 | 26.6% of 113 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. 1337 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