Mortgage lending in Zapata County, Texas
Lenders in Zapata County, Texas reported 181 mortgage applications for 2025, according to the CFPB.
181 mortgage applications and 65 loans originated in 2025; the denial rate was 42.4% of 132 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Zapata County, TX.
- 181
- Applications
- 65
- Loans originated
- 42.4%
- Denial rate
- 56 denied of 132 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 181 | 65 |
| 2024 | 185 | 74 |
| 2023 | 178 | 62 |
| 2022 | 223 | 70 |
| 2021 | 193 | 74 |
| 2020 | 164 | 73 |
| 2019 | 146 | 62 |
| 2018 | 116 | 55 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gateway First Bank | 11 | 21 |
| 21ST Mortgage | 9 | 52 |
| Directions Equity, LLC | 5 | 7 |
| Leaderone Financial Corp. | 4 | 5 |
| Primelending | 4 | 4 |
| loanDepot.com LLC | 3 | 7 |
| Triad Financial Services, Inc. | 3 | 16 |
| Rocket Mortgage | 2 | 3 |
| United Wholesale Mortgage | 2 | 3 |
| Royal United Mortgage LLC | 2 | 2 |
| JPMorgan Chase Bank, NA | 2 | 2 |
| Wells Fargo Bank NA | 2 | 2 |
| Vanderbilt Mortgage and Finance, Inc | 1 | 3 |
| Oceanside Mortgage Company | 1 | 1 |
| Primis Bank | 1 | 1 |
| International Bank of Commerce | 1 | 3 |
| Mortgage Financial Services | 1 | 1 |
| Simmons Bank | 1 | 1 |
| Capitol Credit Union | 1 | 1 |
| Randolph-Brooks Federal Credit Union | 1 | 1 |
| Freedom Mortgage Corporation | 1 | 2 |
| Nexbank | 1 | 1 |
| Firstbank | 1 | 8 |
| Spring Eq, LLC | 1 | 1 |
| Guaranteed Rate, Inc. | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 166 | 43.0% of 121 decided |
| Joint | under 10 | |
| Race Not Available | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 156 | 43.5% of 115 decided |
| Not Hispanic or Latino | 16 | no rate: base under 50 |
| Joint | under 10 | |
| Ethnicity Not Available | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 94 | 53.3% of 77 decided |
| Female | 44 | no rate: base under 50 |
| Joint | withheld | |
| Sex Not Available | under 10 |
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. 2078 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