Refinancing lenders in Denton County
4,541 refinancing mortgages were made in Denton County, Texas, in 2025, by 394 lenders. The median rate their borrowers got was 6.124% on a median loan of $460,000. Of 6,249 decisions, 1,403 were denials — 22.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 2,058 | 6.060% | $505,000 | 11.9% |
| Rocket Mortgage, LLC | 280 | 5.990% | $395,000 | 29.7% |
| FREEDOM MORTGAGE CORPORATION | 131 | 6.125% | $415,000 | 6.8% |
| PENNYMAC LOAN SERVICES, LLC | 112 | 5.625% | $425,000 | 18.3% |
| Paramount Residential Mortgage Group, Inc. | 94 | 6.875% | $525,000 | 2.1% |
| Bank of America, National Association | 70 | 5.990% | $205,000 | 36.9% |
| JPMorgan Chase Bank, National Association | 60 | 5.990% | $445,000 | 14.3% |
| Frost Bank | 60 | 7.390% | $240,000 | 26.5% |
| NEWREZ LLC | 53 | 5.750% | $445,000 | 40.7% |
| PLANET HOME LENDING, LLC | 52 | 5.875% | $445,000 | 11.7% |
| LAKEVIEW LOAN SERVICING, LLC | 50 | 5.990% | $405,000 | 69.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 49 | 5.875% | $485,000 | 9.8% |
| DATCU | 46 | 6.188% | $210,000 | 69.3% |
| PNC Bank, National Association | 42 | 8.190% | $205,000 | 40.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | 5.990% | $415,000 | 12.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 41 | 5.750% | $445,000 | 9.9% |
| NATIONSTAR MORTGAGE LLC | 39 | 5.990% | $355,000 | 23.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 37 | 6.125% | $415,000 | 15.6% |
| CMG MORTGAGE, INC. | 35 | 5.990% | $435,000 | 9.1% |
| First United Bank and Trust Company | 33 | 6.875% | $455,000 | 5.6% |
| Loandepot.Com, LLC | 31 | 5.750% | $415,000 | 16.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 28 | 5.875% | $525,000 | 2.6% |
| Fairway Independent Mortgage Corporation | 25 | 6.125% | $385,000 | 19.4% |
| Truist Bank | 24 | 6.233% | $255,000 | 26.5% |
| UNION HOME MORTGAGE CORP. | 21 | 5.875% | $415,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 20 | 6.313% | $410,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 19 | 5.750% | $525,000 | 38.2% |
| PHH Mortgage Corporation | 19 | 5.875% | $435,000 | 17.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 19 | 5.870% | $565,000 | 15.4% |
| GUILD MORTGAGE COMPANY | 18 | 5.933% | $340,000 | 12.5% |
| ROYAL UNITED MORTGAGE LLC | 18 | 6.500% | $250,000 | 35.7% |
| GUARANTEED RATE, INC. | 16 | 6.088% | $480,000 | 20.0% |
| Comerica Bank | 16 | 6.115% | $245,000 | 52.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.375% | $240,000 | 32.0% |
| KIND LENDING, LLC | 16 | 6.625% | $390,000 | 22.7% |
| EVERETT FINANCIAL, INC. | 15 | 5.990% | $505,000 | 6.3% |
| U.S. Bank National Association | 15 | 5.990% | $705,000 | 5.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 15 | 6.124% | $405,000 | 0.0% |
| THE LOAN STORE, INC. | 15 | 6.490% | $355,000 | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 13 | 7.500% | $295,000 | 40.9% |
| Mortgage Research Center, LLC | 12 | 5.813% | $380,000 | 82.4% |
| Kiavi Funding, Inc. | 12 | 6.750% | $240,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.188% | $220,000 | 29.4% |
| First Bank | 12 | 6.438% | $455,000 | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 11 | 6.500% | $525,000 | 0.0% |
| AML FUNDING LLC | 11 | 6.750% | $345,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 5.870% | $360,000 | 23.1% |
| NexBank | 10 | 6.375% | $420,000 | 7.7% |
| LONGBRIDGE FINANCIAL, LLC | 10 | 6.375% | $210,000 | 16.7% |
| Lendage, LLC | 10 | 12.125% | $145,000 | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Zions Bancorporation, N.A. | 9 | Under 10 loans | Under 10 loans | 21.4% |
| First State Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 59.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BOKF, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| KWIK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NETWORK FUNDING, L.P. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| American Airlines Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BELEM SERVICING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 40.0% |
| TEXAS MORTGAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| American National Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Inwood National Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AAXY L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 86.8% |
| TEXANS | 4 | Under 10 loans | Under 10 loans | 63.6% |
| SFMC, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 92.6% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pointbank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TexasBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| National Police Federal Credit Union effective | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homeland Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NIZARI PROGRESSIVE FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Granbury | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS TRUST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Plains National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 93.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 194 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.