Home purchase lenders in Bell County
6,406 home purchase mortgages were made in Bell County, Texas, in 2025, by 356 lenders. The median rate their borrowers got was 6.125% on a median loan of $275,000. Of 7,571 decisions, 967 were denials — 12.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 870 | 4.750% | $285,000 | 11.1% |
| Fairway Independent Mortgage Corporation | 791 | 6.250% | $285,000 | 2.6% |
| Mortgage Research Center, LLC | 468 | 6.250% | $255,000 | 9.6% |
| First National Bank Texas | 314 | 6.250% | $275,000 | 1.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 247 | 6.125% | $265,000 | 10.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 189 | 7.750% | $305,000 | 1.5% |
| CMG MORTGAGE, INC. | 181 | 5.990% | $285,000 | 3.0% |
| 549300UK9R93LGQHOV21 | 180 | 4.990% | $295,000 | 0.5% |
| SWBC MORTGAGE CORPORATION | 149 | 6.000% | $305,000 | 3.2% |
| 254900H565SUNWJ0IV44 | 147 | 5.490% | $355,000 | 0.0% |
| Cadence Bank | 132 | 6.125% | $285,000 | 11.9% |
| Navy Federal Credit Union | 118 | 6.000% | $260,000 | 9.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 114 | 6.125% | $265,000 | 5.7% |
| CORNERSTONE CAPITAL BANK, SSB | 105 | 5.250% | $315,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 104 | 4.625% | $235,000 | 19.4% |
| Rocket Mortgage, LLC | 93 | 6.490% | $245,000 | 20.3% |
| Extraco Banks, National Association | 86 | 6.500% | $270,000 | 6.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 75 | 6.250% | $275,000 | 0.0% |
| Central National Bank | 68 | Not published | $305,000 | 0.0% |
| 21st Mortgage Corporation | 64 | 9.890% | $105,000 | 65.3% |
| Broker Solutions, Inc. | 64 | 6.250% | $240,000 | 1.5% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 61 | 5.490% | $355,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 61 | 6.250% | $205,000 | 2.9% |
| NEWREZ LLC | 53 | 6.125% | $295,000 | 5.4% |
| PLAZA HOME MORTGAGE, INC. | 50 | 6.375% | $265,000 | 29.6% |
| USAA Federal Savings Bank | 42 | 6.188% | $295,000 | 32.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 41 | 6.750% | $255,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 38 | 5.875% | $280,000 | 13.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 36 | 10.750% | $90,000 | 68.5% |
| PULTE MORTGAGE LLC | 36 | 4.750% | $305,000 | 30.8% |
| KIND LENDING, LLC | 31 | 6.500% | $275,000 | 26.2% |
| TEXELL Credit Union | 30 | 6.500% | $215,000 | 8.3% |
| JPMorgan Chase Bank, National Association | 29 | 6.375% | $225,000 | 16.2% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.250% | $275,000 | 23.7% |
| GUARANTEED RATE, INC. | 29 | 6.250% | $275,000 | 6.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6.000% | $375,000 | 0.0% |
| Gateway First Bank | 28 | 6.188% | $260,000 | 3.5% |
| Equity Prime Mortgage LLC | 27 | 6.625% | $325,000 | 25.0% |
| Wolfe Financial, Inc | 26 | 6.563% | $205,000 | 7.1% |
| LEADERONE FINANCIAL CORPORATION | 26 | 5.995% | $370,000 | 10.3% |
| MOVEMENT MORTGAGE, LLC | 26 | 6.250% | $275,000 | 0.0% |
| First United Bank and Trust Company | 25 | 6.500% | $315,000 | 7.1% |
| KBHS HOME LOANS, LLC | 23 | 6.125% | $265,000 | 17.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 22 | 6.625% | $265,000 | 8.3% |
| GUARANTEED RATE AFFINITY, LLC | 21 | 6.250% | $245,000 | 22.2% |
| THE LOAN STORE, INC. | 21 | 6.750% | $205,000 | 7.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 20 | 6.750% | $210,000 | 0.0% |
| Primis Mortgage Company | 20 | 6.875% | $220,000 | 4.8% |
| PENTAGON FEDERAL CREDIT UNION | 19 | 6.125% | $265,000 | 36.7% |
| 254900CTT87ZKAUTIJ37 | 19 | 10.250% | $175,000 | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 18 | 9.385% | $145,000 | 47.1% |
| LoanUnited.com, LLC | 17 | 6.250% | $275,000 | 29.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 17 | 6.490% | $255,000 | 0.0% |
| Loandepot.Com, LLC | 16 | 6.438% | $255,000 | 38.5% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.250% | $290,000 | 0.0% |
| Wells Fargo Bank, National Association | 15 | 5.750% | $265,000 | 5.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.625% | $295,000 | 6.3% |
| Click n' Close, Inc. | 15 | 6.500% | $215,000 | 0.0% |
| Alliance Bank Central Texas | 15 | Not published | $225,000 | 5.9% |
| Armed Forces Bank, National Association | 14 | 6.313% | $260,000 | 17.7% |
| UNIVERSITY Federal Credit Union | 14 | 6.563% | $255,000 | 0.0% |
| First Texas Bank | 14 | Not published | $195,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 13 | 5.875% | $325,000 | 28.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 13 | 6.250% | $215,000 | 0.0% |
| Zippy Loans, LLC | 13 | 10.650% | $25,000 | 27.8% |
| NETWORK FUNDING, L.P. | 13 | 6.625% | $255,000 | 6.3% |
| Trinity Oaks Mortgage, LLC | 13 | 6.625% | $595,000 | 7.1% |
| JNC MORTGAGE COMPANY, INC. | 13 | 4.990% | $295,000 | 0.0% |
| LOWER, LLC | 12 | 6.563% | $240,000 | 0.0% |
| BOKF, National Association | 12 | 6.438% | $415,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 6.625% | $285,000 | 0.0% |
| 254900K39SBWA2QOUF69 | 11 | 6.375% | $295,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $175,000 | 0.0% |
| GoPrime Mortgage, Inc. | 11 | 6.125% | $265,000 | 8.3% |
| CHAMPIONS FUNDING, LLC | 11 | 7.999% | $245,000 | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 10 | 5.120% | $455,000 | 23.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.688% | $275,000 | 9.1% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 47.1% |
| 549300KZ4HZESXAO1M36 | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 23.1% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PILGRIM MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 15.4% |
| HOMETRUST MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| VeraBank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SENTE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 5 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 66.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 37.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthStar Bank, S.S.B. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SFMC, LP | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McGregor | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Classic Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Florida Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Investmark Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEXAS MORTGAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| City Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cross Keys Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grandview Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Central Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Incommons Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Susser Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 80.7% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 70.4% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 156 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.