Refinancing lenders in Brazos County
380 refinancing mortgages were made in Brazos County, Texas, in 2025, by 152 lenders. The median rate their borrowers got was 6.125% on a median loan of $315,000. Of 524 decisions, 113 were denials — 21.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 72 | 5.925% | $340,000 | 6.4% |
| Rocket Mortgage, LLC | 26 | 5.990% | $245,000 | 27.0% |
| FREEDOM MORTGAGE CORPORATION | 18 | 5.938% | $385,000 | 13.0% |
| City Bank | 13 | 6.930% | $195,000 | 0.0% |
| PILGRIM MORTGAGE LLC | 11 | 6.125% | $405,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 10 | 5.625% | $335,000 | 20.0% |
| NEWREZ LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 57.1% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GREATER TEXAS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Momentum Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens National Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Extraco Banks, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Amarillo National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Central Texas | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VeraBank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 77.3% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of Huntsville | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900L5MERNYAI3AH26 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BELLCO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SouthStar Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Bank of Arkansas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Brenham National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MetLife, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BRAZOS VALLEY SCHOOLS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 33.3% |
| CALCON MUTUAL MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MOVEMENT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW FED MORTGAGE, CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SouthTrust Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lamar National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| REPUBLIC STATE MORTGAGE CO. | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ALAMEDA MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AUSTIN TELCO | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Wilmington Savings Fund Society, FSB | 0 | Under 10 loans | Under 10 loans | 100.0% |
| International Bank of Commerce | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Simple, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Guaranty Bank & Trust, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ONY GLO, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| VELOCITY COMMERCIAL CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CERTIFIED FUNDING, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Comerica Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TIB National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| HANCOCK WHITNEY BANK | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.