Refinancing lenders in Kaufman County
521 refinancing mortgages were made in Kaufman County, Texas, in 2025, by 182 lenders. The median rate their borrowers got was 6.125% on a median loan of $325,000. Of 874 decisions, 259 were denials — 29.6%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 91 | 5.749% | $345,000 | 23.2% |
| FREEDOM MORTGAGE CORPORATION | 53 | 6.125% | $385,000 | 14.0% |
| Rocket Mortgage, LLC | 44 | 5.990% | $305,000 | 36.8% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 5.990% | $315,000 | 11.4% |
| PLANET HOME LENDING, LLC | 25 | 5.750% | $375,000 | 10.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.750% | $460,000 | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 15 | 14.250% | $425,000 | 10.5% |
| NEWREZ LLC | 10 | 5.938% | $300,000 | 41.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.250% | $400,000 | 9.1% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 30.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lone Star Federally Insured State-Chartered Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 64.1% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 82.1% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 80.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First United Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| TexasBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLAND HOMELOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900L5MERNYAI3AH26 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMJ FINANCIAL GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PEGASUS BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 91.7% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SmartFi Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SFMC, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| OriginPoint, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Central Trust Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| RIGHT START MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SECURITYNATIONAL MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Texas Regional Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICA'S CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AML FUNDING LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| WALKER & DUNLOP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Heritage National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AmRes Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VeraBank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| T2 FINANCIAL LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UBS Bank USA | 0 | Under 10 loans | Under 10 loans | Not published |
| American Liberty Mortgage, Incorporated | 0 | Under 10 loans | Under 10 loans | Not published |
| HomeBank Texas | 0 | Under 10 loans | Under 10 loans | Not published |
| THE MORTGAGE LINK, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 0 | Under 10 loans | Under 10 loans | Not published |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Ennis State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| INTOUCH CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NFM, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| PlainsCapital Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| V.I.P. MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| NORWICH COMMERCIAL GROUP, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Texas Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Zions Bancorporation, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Churchill Funding I LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 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.