Refinancing lenders in Dallas County
4,009 refinancing mortgages were made in Dallas County, Texas, in 2025, by 473 lenders. The median rate their borrowers got was 6.250% on a median loan of $325,000. Of 6,296 decisions, 1,844 were denials — 29.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 548 | 5.999% | $375,000 | 20.6% |
| Rocket Mortgage, LLC | 338 | 5.990% | $315,000 | 34.7% |
| Bank of America, National Association | 111 | 5.990% | $205,000 | 43.8% |
| FREEDOM MORTGAGE CORPORATION | 105 | 6.250% | $365,000 | 13.5% |
| JPMorgan Chase Bank, National Association | 98 | 6.125% | $345,000 | 13.2% |
| PENNYMAC LOAN SERVICES, LLC | 97 | 5.990% | $375,000 | 17.1% |
| Frost Bank | 97 | 5.375% | $225,000 | 35.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 87 | 6.375% | $375,000 | 5.2% |
| PNC Bank, National Association | 72 | 7.490% | $175,000 | 39.7% |
| Comerica Bank | 63 | 5.990% | $235,000 | 49.6% |
| ROYAL UNITED MORTGAGE LLC | 63 | 6.875% | $115,000 | 29.0% |
| Kiavi Funding, Inc. | 56 | 6.813% | $200,000 | 22.1% |
| AMERICAN HERITAGE LENDING, LLC | 44 | 13.750% | $260,000 | 5.6% |
| PLANET HOME LENDING, LLC | 44 | 5.990% | $365,000 | 11.5% |
| NATIONSTAR MORTGAGE LLC | 43 | 5.990% | $305,000 | 24.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 42 | 6.500% | $300,000 | 21.8% |
| OCMBC, INC. | 40 | 7.375% | $225,000 | 2.8% |
| First Horizon Bank | 40 | 6.000% | $635,000 | 2.4% |
| LAKEVIEW LOAN SERVICING, LLC | 39 | 6.250% | $415,000 | 69.5% |
| GUARANTEED RATE, INC. | 37 | 6.250% | $585,000 | 2.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.125% | $155,000 | 25.5% |
| NEWREZ LLC | 34 | 6.188% | $350,000 | 58.1% |
| CMG MORTGAGE, INC. | 34 | 6.058% | $370,000 | 16.0% |
| Zions Bancorporation, N.A. | 32 | 6.945% | $340,000 | 29.8% |
| FINANCE OF AMERICA REVERSE LLC | 31 | 6.125% | $135,000 | 23.3% |
| BOKF, National Association | 31 | 6.550% | $365,000 | 23.3% |
| First United Bank and Trust Company | 30 | 6.625% | $610,000 | 11.8% |
| TexasBank | 30 | 7.563% | $205,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 27 | 5.750% | $345,000 | 21.6% |
| Truist Bank | 27 | 5.690% | $235,000 | 52.5% |
| Cadence Bank | 27 | 6.625% | $355,000 | 17.7% |
| LONGBRIDGE FINANCIAL, LLC | 27 | 6.375% | $215,000 | 8.6% |
| Prosperity Bank | 25 | 7.125% | $255,000 | 34.2% |
| BPL MORTGAGE TRUST, LLC | 25 | 7.000% | $195,000 | 17.1% |
| U.S. Bank National Association | 25 | 6.125% | $925,000 | 10.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 6.375% | $455,000 | 15.2% |
| Broker Solutions, Inc. | 22 | 6.313% | $295,000 | 17.9% |
| SOUTH RIVER MORTGAGE, LLC | 22 | 8.990% | $115,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 7.500% | $240,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 21 | 7.375% | $305,000 | 52.3% |
| Loandepot.Com, LLC | 21 | 5.875% | $265,000 | 41.0% |
| EVERETT FINANCIAL, INC. | 21 | 6.375% | $265,000 | 8.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 5.625% | $405,000 | 8.3% |
| NexBank | 20 | 6.375% | $425,000 | 20.0% |
| A&D Mortgage LLC | 18 | 6.688% | $380,000 | 33.3% |
| KIND LENDING, LLC | 18 | 6.750% | $285,000 | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 18 | 6.375% | $470,000 | 5.3% |
| SFMC, LP | 18 | 6.058% | $420,000 | 4.8% |
| TEXAS MORTGAGE LENDING, LLC | 16 | 6.125% | $235,000 | 38.7% |
| Fairway Independent Mortgage Corporation | 16 | 6.188% | $375,000 | 19.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 16 | 6.370% | $400,000 | 5.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 16 | 6.125% | $450,000 | 11.1% |
| Charles Schwab Bank, SSB | 16 | 5.450% | $1,010,000 | 5.9% |
| Wells Fargo Bank, National Association | 15 | 5.875% | $325,000 | 27.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 15 | 9.500% | $255,000 | 5.6% |
| Citibank, National Association | 15 | 5.625% | $1,575,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 15 | 5.750% | $625,000 | 6.3% |
| First Bank | 15 | 6.875% | $205,000 | 0.0% |
| Mortgage Research Center, LLC | 14 | 5.813% | $350,000 | 81.6% |
| HOMEXPRESS MORTGAGE CORP. | 14 | 7.500% | $235,000 | 56.3% |
| DEEPHAVEN MORTGAGE LLC | 14 | 6.875% | $215,000 | 41.7% |
| Lendage, LLC | 14 | 10.750% | $125,000 | 5.9% |
| Navy Federal Credit Union | 13 | 5.750% | $325,000 | 64.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 13 | 6.625% | $365,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.750% | $345,000 | 35.0% |
| AML FUNDING LLC | 13 | 6.875% | $215,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 13 | 6.375% | $565,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 6.813% | $350,000 | 9.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.313% | $400,000 | 15.8% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 12 | 5.750% | $140,000 | 14.3% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 12 | 6.433% | $455,000 | 7.7% |
| 254900T8N4RLS6G3BF64 | 12 | Not published | $565,000 | 7.7% |
| GARDNER FINANCIAL SERVICES, LTD. | 12 | 6.000% | $340,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 11 | 7.375% | $545,000 | 63.9% |
| BETTER MORTGAGE CORPORATION | 11 | 6.000% | $405,000 | 47.6% |
| Loan Funder LLC | 11 | 6.990% | $145,000 | 31.3% |
| Regions Bank | 11 | 4.990% | $175,000 | 42.1% |
| STANDARD MORTGAGE CORPORATION | 11 | 6.125% | $635,000 | 8.3% |
| PHH Mortgage Corporation | 10 | 5.563% | $295,000 | 54.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.995% | $610,000 | 17.7% |
| Origin Bank | 10 | 7.155% | $815,000 | 9.1% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 5.625% | $350,000 | 0.0% |
| MidFirst Bank | 10 | 5.675% | $545,000 | 16.7% |
| Emporium TPO LLC | 10 | 6.875% | $225,000 | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICA'S CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Goldman Sachs Bank USA | 9 | Under 10 loans | Under 10 loans | 35.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 18.8% |
| UIF CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Veritex Community Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CONSTRUCTIVE LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 83.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 68.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Simmons Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Great Plains National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 69.6% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 18.2% |
| Florida Capital Bank, National Association | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Watermark Capital, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 7.7% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 46.7% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Churchill Funding I LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Inwood National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| AMERITRUST MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 40.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 11.1% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| North Dallas Bank & Trust Co. | 5 | Under 10 loans | Under 10 loans | 22.2% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| VISTA POINT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| THE MORTGAGE LINK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Benchmark Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DATCU | 4 | Under 10 loans | Under 10 loans | 63.6% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 14.3% |
| NETWORK FUNDING, L.P. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| City Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Harmony Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 3 | Under 10 loans | Under 10 loans | 78.6% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 42.9% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOBILITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank Texas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Vantage Bank Texas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 98450058D88OE4463626 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southwestern National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Susser Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 12.5% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | 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 273 lenders each made 2 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.