Mortgage lenders in Grayson County
3,989 mortgages were made in Grayson County, Texas, in 2025, by 417 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 5,576 decisions, 1,294 were denials — 23.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 243 | 6.250% | $305,000 | 10.6% |
| First United Bank and Trust Company | 235 | 7.125% | $215,000 | 17.4% |
| GUILD MORTGAGE COMPANY | 216 | 6.500% | $205,000 | 1.3% |
| Rocket Mortgage, LLC | 210 | 6.875% | $205,000 | 19.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 138 | 5.250% | $355,000 | 5.2% |
| LENNAR MORTGAGE, LLC | 132 | 4.813% | $195,000 | 9.6% |
| DHI MORTGAGE COMPANY, LTD. | 116 | 3.990% | $245,000 | 20.4% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 105 | 6.625% | $295,000 | 17.3% |
| Loandepot.Com, LLC | 67 | 6.250% | $255,000 | 18.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 66 | 6.750% | $250,000 | 2.9% |
| American National Bank & Trust | 61 | 6.500% | $305,000 | 5.9% |
| SFMC, LP | 60 | 5.933% | $440,000 | 10.1% |
| PENNYMAC LOAN SERVICES, LLC | 57 | 6.624% | $295,000 | 16.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 56 | 6.625% | $270,000 | 5.0% |
| Cadence Bank | 54 | 6.648% | $400,000 | 28.6% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.125% | $345,000 | 5.2% |
| CMG MORTGAGE, INC. | 51 | 6.500% | $335,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 50 | 6.625% | $200,000 | 18.0% |
| Mortgage Research Center, LLC | 47 | 6.250% | $305,000 | 32.9% |
| Fairway Independent Mortgage Corporation | 47 | 6.625% | $295,000 | 14.3% |
| NEWREZ LLC | 46 | 6.500% | $265,000 | 23.0% |
| 21st Mortgage Corporation | 45 | 9.750% | $105,000 | 72.5% |
| GUARANTEED RATE, INC. | 44 | 6.375% | $195,000 | 11.8% |
| PRIORITY HOME MORTGAGE, L.P. | 43 | 5.750% | $385,000 | 2.3% |
| THE LOAN STORE, INC. | 41 | 6.875% | $235,000 | 8.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 40 | 6.625% | $325,000 | 0.0% |
| Frost Bank | 38 | 7.750% | $130,000 | 38.1% |
| First State Bank | 35 | 6.875% | $225,000 | 20.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 34 | 6.625% | $385,000 | 5.1% |
| Bank of America, National Association | 31 | 6.240% | $145,000 | 49.2% |
| Broker Solutions, Inc. | 31 | 6.625% | $235,000 | 16.2% |
| Simmons Bank | 30 | 6.875% | $105,000 | 39.6% |
| UNION HOME MORTGAGE CORP. | 26 | 6.563% | $255,000 | 3.7% |
| VELOCIO MORTGAGE L.L.C. | 25 | 4.990% | $275,000 | 0.0% |
| CREDIT UNION OF TEXAS | 24 | 7.800% | $115,000 | 27.8% |
| SouthState Bank, National Association | 23 | 6.875% | $185,000 | 32.4% |
| NATIONSTAR MORTGAGE LLC | 23 | 7.125% | $165,000 | 23.3% |
| BOKF, National Association | 21 | 7.500% | $65,000 | 25.0% |
| NFM, INC. | 21 | 6.625% | $345,000 | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 20 | 7.000% | $135,000 | 16.7% |
| KIND LENDING, LLC | 20 | 6.188% | $375,000 | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 20 | 6.438% | $300,000 | 4.8% |
| SUCCESS MORTGAGE PARTNERS, INC. | 20 | 6.563% | $215,000 | 0.0% |
| Kiavi Funding, Inc. | 19 | 9.650% | $175,000 | 13.6% |
| Prosperity Home Mortgage, LLC | 19 | 6.250% | $185,000 | 17.4% |
| Navy Federal Credit Union | 17 | 6.500% | $245,000 | 46.9% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.125% | $325,000 | 56.0% |
| EVERETT FINANCIAL, INC. | 17 | 6.625% | $265,000 | 0.0% |
| Ameristate Bank | 17 | Not published | $155,000 | 26.1% |
| HIGHLAND HOMELOANS, LLC | 17 | 4.990% | $405,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.625% | $275,000 | 0.0% |
| Great Plains National Bank | 17 | 7.750% | $285,000 | 0.0% |
| First Bank | 16 | 6.438% | $400,000 | 0.0% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 16 | 5.870% | $345,000 | 0.0% |
| The First National Bank of Tom Bean | 16 | Not published | $175,000 | 5.9% |
| Community National Bank & Trust of Texas | 15 | Not published | $505,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 9.500% | $150,000 | 80.7% |
| PLANET HOME LENDING, LLC | 14 | 6.063% | $325,000 | 17.7% |
| NexBank | 14 | 6.688% | $305,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 13 | 7.700% | $145,000 | 16.7% |
| Wells Fargo Bank, National Association | 13 | 6.000% | $245,000 | 40.9% |
| PNC Bank, National Association | 13 | 7.490% | $135,000 | 40.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.750% | $165,000 | 13.3% |
| TRIAD FINANCIAL SERVICES, INC. | 12 | 8.870% | $110,000 | 56.5% |
| USAA Federal Savings Bank | 12 | 6.375% | $295,000 | 20.0% |
| ZILLOW HOME LOANS, LLC | 12 | 6.375% | $250,000 | 7.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.438% | $270,000 | 0.0% |
| Emporium TPO LLC | 12 | 6.875% | $185,000 | 6.3% |
| Prosperity Bank | 11 | 7.490% | $265,000 | 31.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 11 | 5.750% | $355,000 | 5.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.250% | $315,000 | 12.5% |
| RIGHT START MORTGAGE, INC. | 11 | 6.500% | $235,000 | 0.0% |
| TEXANS | 10 | 6.272% | $100,000 | 48.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 6.875% | $410,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 10 | 7.125% | $95,000 | 16.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 10 | 6.125% | $530,000 | 0.0% |
| 4U Federal Credit Union | 10 | 6.250% | $145,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 40.0% |
| DATCU | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Legend Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CLM MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lamar National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Texoma National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 75.9% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 73.1% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 42.9% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Texas Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Investmark Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 43.8% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| ENCOMPASS LENDING GROUP, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Farm Credit Mid-America | 6 | Under 10 loans | Under 10 loans | 33.3% |
| PLATINUM EAGLE MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEIGHBORHOOD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Plains Commerce Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TexasBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| REPUBLIC STATE MORTGAGE CO. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 84.0% |
| UNITED BUILT HOMES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 54.6% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EECU | 4 | Under 10 loans | Under 10 loans | 44.4% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Southside Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE MORTGAGE LINK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| TEXAS MORTGAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 54.6% |
| The American National Bank of Texas | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 45.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Third Coast Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Veritex Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Firefighters First Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004YKXDDHUWUOH37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank of Sulphur Springs | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Inwood National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS TRUST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pointbank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 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 217 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Grayson County
40 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First United Bank and Trust Company | 7 | $1.6 billion |
| SouthState Bank, National Association | 5 | $697.2 million |
| Simmons Bank | 5 | $533.8 million |
| First State Bank | 3 | $196.2 million |
| The Huntington National Bank | 3 | $140.9 million |
| Legend Bank, N.A. | 3 | $132.9 million |
| Texas Bank | 2 | $80.0 million |
| Ameristate Bank | 2 | $51.2 million |
| Woodforest National Bank | 2 | $9.7 million |
| JPMorgan Chase Bank, National Association | 1 | $338.5 million |
| Cendera Bank | 1 | $160.7 million |
| The First National Bank of Tom Bean | 1 | $56.9 million |
| BOKF, National Association | 1 | $51.8 million |
| First Texoma National Bank | 1 | $21.4 million |
| Great Plains National Bank | 1 | $17.4 million |
| First Texas National Bank | 1 | $12.6 million |
| First National Bank Texas | 1 | $11.3 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 177 E Jefferson St, Van Alstyne
- Cadence Bank, 600 North Travis Street, Sherman
- Cadence Bank, 7890 W Highway 11, Tom Bean
- Great Plains National Bank, 2620 N Travis St, Suite 100, Sherman
Get told when this changes
When the next year’s lending figures are out for Grayson County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.