Refinancing lenders in Collin County
5,866 refinancing mortgages were made in Collin County, Texas, in 2025, by 403 lenders. The median rate their borrowers got was 6.124% on a median loan of $495,000. Of 7,784 decisions, 1,501 were denials — 19.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,021 | 6.060% | $535,000 | 10.0% |
| Rocket Mortgage, LLC | 321 | 5.990% | $445,000 | 27.9% |
| PENNYMAC LOAN SERVICES, LLC | 152 | 5.813% | $445,000 | 14.7% |
| FREEDOM MORTGAGE CORPORATION | 139 | 6.125% | $435,000 | 10.8% |
| Paramount Residential Mortgage Group, Inc. | 133 | 6.875% | $565,000 | 0.7% |
| Bank of America, National Association | 91 | 5.990% | $235,000 | 35.7% |
| JPMorgan Chase Bank, National Association | 72 | 5.995% | $445,000 | 9.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 68 | 6.000% | $475,000 | 10.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 65 | 6.250% | $485,000 | 25.8% |
| Frost Bank | 63 | 7.260% | $245,000 | 45.1% |
| THE LOAN STORE, INC. | 55 | 6.625% | $285,000 | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 53 | 5.990% | $465,000 | 69.7% |
| NEWREZ LLC | 52 | 5.875% | $455,000 | 30.8% |
| CMG MORTGAGE, INC. | 43 | 6.125% | $535,000 | 3.9% |
| PNC Bank, National Association | 41 | 8.190% | $265,000 | 40.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 41 | 5.750% | $485,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 38 | 6.413% | $405,000 | 4.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 36 | 6.490% | $465,000 | 2.7% |
| PLANET HOME LENDING, LLC | 33 | 5.750% | $425,000 | 5.6% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 32 | 6.495% | $385,000 | 5.9% |
| First Bank | 31 | 6.500% | $445,000 | 0.0% |
| Loandepot.Com, LLC | 28 | 5.990% | $445,000 | 26.8% |
| NATIONSTAR MORTGAGE LLC | 28 | 5.990% | $375,000 | 20.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 26 | 5.750% | $395,000 | 9.5% |
| NexBank | 26 | 6.250% | $490,000 | 10.0% |
| Comerica Bank | 25 | 5.990% | $275,000 | 50.9% |
| PHH Mortgage Corporation | 23 | 5.750% | $525,000 | 34.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.125% | $315,000 | 7.7% |
| BETTER MORTGAGE CORPORATION | 21 | 6.000% | $505,000 | 34.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.625% | $435,000 | 10.0% |
| First United Bank and Trust Company | 21 | 6.375% | $455,000 | 12.0% |
| Zions Bancorporation, N.A. | 21 | 6.890% | $355,000 | 25.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 20 | 6.438% | $480,000 | 0.0% |
| Truist Bank | 19 | 5.840% | $205,000 | 46.2% |
| Fairway Independent Mortgage Corporation | 19 | 5.990% | $535,000 | 16.7% |
| KIND LENDING, LLC | 18 | 6.438% | $400,000 | 31.0% |
| GUARANTEED RATE, INC. | 17 | 5.990% | $465,000 | 15.0% |
| ROYAL UNITED MORTGAGE LLC | 17 | 6.500% | $165,000 | 32.0% |
| NBKC BANK | 16 | 5.750% | $400,000 | 11.1% |
| UNION HOME MORTGAGE CORP. | 16 | 5.750% | $525,000 | 15.8% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 7.500% | $355,000 | 50.0% |
| TEXAS MORTGAGE LENDING, LLC | 15 | 6.490% | $435,000 | 31.8% |
| COREVEST AMERICAN FINANCE LENDER LLC | 15 | 7.490% | $245,000 | 0.0% |
| BOKF, National Association | 14 | 7.550% | $215,000 | 44.0% |
| A&D Mortgage LLC | 14 | 5.990% | $380,000 | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 5.625% | $435,000 | 6.3% |
| EVERETT FINANCIAL, INC. | 13 | 6.000% | $395,000 | 7.1% |
| U.S. Bank National Association | 13 | 5.990% | $445,000 | 6.7% |
| General Mortgage Capital Corporation | 13 | 6.500% | $295,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 5.750% | $415,000 | 80.7% |
| Kiavi Funding, Inc. | 12 | 8.300% | $425,000 | 7.1% |
| PLAZA HOME MORTGAGE, INC. | 12 | 5.500% | $485,000 | 12.5% |
| Broker Solutions, Inc. | 11 | 5.750% | $325,000 | 35.3% |
| UIF CORPORATION | 11 | 6.000% | $415,000 | 14.3% |
| Flagstar Bank, N.A. | 11 | 5.750% | $545,000 | 26.7% |
| Discover Bank | 10 | 8.025% | $165,000 | 75.6% |
| Prosperity Bank | 10 | 7.563% | $160,000 | 33.3% |
| Cadence Bank | 10 | 7.000% | $405,000 | 28.6% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 6.313% | $250,000 | 7.7% |
| LOWER, LLC | 10 | 6.058% | $585,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.688% | $245,000 | 16.7% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| AAXY L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SFMC, LP | 7 | Under 10 loans | Under 10 loans | 25.0% |
| First Horizon Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AML FUNDING LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 70.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 16.7% |
| LADERA LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 45.5% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FOUNDATION MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 10.0% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Simmons Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TexasBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 63.6% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICA'S CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 3 | Under 10 loans | Under 10 loans | 30.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTOUCH CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valliance Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 88.2% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The American National Bank of Texas | 2 | Under 10 loans | Under 10 loans | 20.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STANDARD MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American National Bank & Trust | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Texoma National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Austin Bank, Texas National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Dakota National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATCU | 1 | Under 10 loans | Under 10 loans | 88.9% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 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 203 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.