Mortgage lending in Wharton County, Texas
Lenders in Wharton County, Texas reported 1,035 mortgage applications for 2025, according to the CFPB.
1,035 mortgage applications and 444 loans originated in 2025; the denial rate was 35.4% of 785 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: Wharton County, TX.
- 1,035
- Applications
- 444
- Loans originated
- 35.4%
- Denial rate
- 278 denied of 785 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,035 | 444 |
| 2024 | 815 | 364 |
| 2023 | 864 | 373 |
| 2022 | 1,128 | 515 |
| 2021 | 1,414 | 745 |
| 2020 | 1,279 | 713 |
| 2019 | 903 | 478 |
| 2018 | 822 | 429 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Lennar Mortgage, LLC | 35 | 65 |
| United Wholesale Mortgage | 35 | 54 |
| Rocket Mortgage | 32 | 53 |
| Gateway First Bank | 22 | 29 |
| 21ST Mortgage | 19 | 133 |
| First State Bank | 14 | 14 |
| Tdecu | 12 | 16 |
| Prosperity Bank | 11 | 24 |
| Newrez LLC | 11 | 24 |
| Highlands Residential Mortgage, Ltd. | 11 | 13 |
| First Financial Bank | 10 | 12 |
| New American Funding, LLC. | 9 | 20 |
| Freedom Mortgage Corporation | 9 | 20 |
| Triad Financial Services, Inc. | 7 | 50 |
| loanDepot.com LLC | 6 | 18 |
| Frost Bank | 6 | 7 |
| The Loan Store, Inc | 5 | 9 |
| Paramount Residential Mortgage | 5 | 7 |
| Mortgage Research Center | 5 | 9 |
| Towne Mortgage Company | 5 | 5 |
| Regions Bank | 5 | 12 |
| Cadence Bank | 5 | 8 |
| Wagon Hill Home Loans LLC | 4 | 4 |
| Citizens State Bank | 4 | 4 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 40 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | withheld | |
| Black or African American | 102 | 47.4% of 76 decided |
| White | 693 | 31.6% of 531 decided |
| Joint | 24 | no rate: base under 50 |
| Race Not Available | 191 | 42.3% of 142 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 297 | 47.0% of 230 decided |
| Not Hispanic or Latino | 528 | 29.1% of 399 decided |
| Joint | 50 | no rate: base under 50 |
| Ethnicity Not Available | 160 | 32.8% of 122 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 348 | 33.6% of 265 decided |
| Female | 228 | 50.3% of 177 decided |
| Joint | 378 | 27.6% of 286 decided |
| Sex Not Available | 81 | 36.8% of 57 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. 1339 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