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Orange County, Texas
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Orange County, Texas, saw 2,342 HMDA-reported applications and 1,234 originations ($233m) in 2024.
That is 38.0 originations per 1,000 households, against 45.0 for Texas and 48.0 nationally.
The county's denial rate was 28.8%, above the state rate of 26.0%. The median rate spread on originated loans was 0.5 percentage points and 17.1% of originations were 1.5 points or more above the average prime offer rate.
23 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (75), Neches Federal Credit Union (72) and 21st Mortgage (69).
Originations were down 6% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 95 | 75 | $15m | 8.5% | — |
| 2 | Neches Federal Credit Union | 84 | 72 | $8.9m | 9.5% | — |
| 3 | 21st Mortgage | 317 | 69 | $7.5m | 63.8% | — |
| 4 | Sabine Federal Credit Union | 97 | 64 | $8.5m | 20.7% | — |
| 5 | Guild Mortgage Company | 64 | 51 | $11m | 1.7% | — |
| 6 | First Financial Bank | 65 | 50 | $8.8m | 13.6% | — |
| 7 | Fivepoint Credit Union | 74 | 47 | $7.0m | 26.4% | — |
| 8 | Dugood Federal Credit Union | 62 | 45 | $5.3m | 17.9% | — |
| 9 | Mct Credit Union | 51 | 42 | $5.1m | 8.7% | — |
| 10 | FBC Mortgage, LLC | 45 | 42 | $9.2m | 0.0% | — |
| 11 | Rocket Mortgage | 70 | 41 | $8.2m | 30.0% | — |
| 12 | Fairway Independent Mort Corp | 45 | 38 | $8.9m | 2.6% | — |
| 13 | Crosscountry Mortgage, LLC | 52 | 37 | $7.8m | 0.0% | — |
| 14 | DSLD Mortgage LLC | 42 | 35 | $8.2m | 5.4% | — |
| 15 | Flagstar Bank NA | 42 | 34 | $6.8m | 19.0% | — |
| 16 | Rave Financial Credit Union | 58 | 30 | $3.9m | 36.8% | — |
| 17 | Canopy Mortgage, LLC | 44 | 29 | $6.8m | 0.0% | — |
| 18 | Mortgage Research Center | 43 | 24 | $5.8m | 10.7% | — |
| 19 | Nations Reliable Lending, LLC | 25 | 23 | $4.3m | — | — |
| 20 | DHI Mortgage Company, LTD. | 28 | 19 | $4.6m | — | — |
| 21 | Vanderbilt Mortgage and Finance, Inc | 58 | 12 | $3.9m | 71.1% | — |
| 22 | Triad Financial Services, Inc. | 104 | 9 | $1.0m | 49.0% | — |
| 23 | Discover Bank | 37 | 2 | $110k | 93.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 23. Denial rate is denials over decided applications in this county.
Compared with Texas and the nation
| Measure | This county | Texas | United States |
|---|---|---|---|
| Denial rate | 28.8% | 26.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.1% | 11.8% | 15.6% |
| Average originated loan | $189k | $350k | $329k |
| Originations per 1,000 households | 38.0 | 45.0 | 48.0 |
| Home purchase share of originations | 68.5% | 72.8% | 57.0% |
| FHA-insured share | 24.2% | 19.8% | 13.4% |
| VA-guaranteed share | 9.3% | 10.4% | 7.9% |
Rate spread distribution
Share of 959 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Texas). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 68% (845)Home improvement 5% (67)Refinancing 11% (135)Cash-out refinancing 7% (92)Other purpose 8% (95)
By type
Conventional 65% (801)FHA 24% (299)VA 9% (115)USDA 2% (19)
Trend by year
ApplicationsOriginations
This countyTexas
Questions and answers
Which lenders are most active in Orange County, TX?
By 2024 originations: United Wholesale Mortgage (75), Neches Federal Credit Union (72), 21st Mortgage (69), Sabine Federal Credit Union (64), Guild Mortgage Company (51). 23 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Orange County?
28.8% of decided applications were denied in 2024, against 26.0% across Texas and 24.3% nationally.
How many mortgages were originated in Orange County in 2024?
1,234 loans totalling $233m, from 2,342 applications; 38.0 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 48361; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.