Mortgage lenders in McLennan County
4,509 mortgages were made in McLennan County, Texas, in 2025, by 432 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 6,103 decisions, 1,245 were denials — 20.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 299 | 6.750% | $215,000 | 18.9% |
| SWBC MORTGAGE CORPORATION | 251 | 6.625% | $285,000 | 3.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | 6.139% | $295,000 | 15.2% |
| Fairway Independent Mortgage Corporation | 214 | 6.625% | $255,000 | 6.1% |
| MOVEMENT MORTGAGE, LLC | 159 | 6.625% | $235,000 | 2.6% |
| Central National Bank | 140 | Not published | $215,000 | 9.4% |
| DHI MORTGAGE COMPANY, LTD. | 138 | 4.625% | $295,000 | 17.9% |
| Granite Bank | 116 | 6.490% | $265,000 | 0.0% |
| The First National Bank of McGregor | 111 | Not published | $155,000 | 0.9% |
| Alliance Bank Central Texas | 104 | Not published | $145,000 | 18.1% |
| Community Bank & Trust, Waco, Texas | 98 | Not published | $165,000 | 14.8% |
| First National Bank of Central Texas | 89 | Not published | $195,000 | 6.3% |
| American Bank, National Association | 87 | Not published | $205,000 | 3.0% |
| 549300UK9R93LGQHOV21 | 81 | 5.250% | $295,000 | 0.0% |
| Mortgage Research Center, LLC | 72 | 6.125% | $305,000 | 33.0% |
| NEWREZ LLC | 64 | 6.433% | $240,000 | 23.3% |
| Susser Bank | 64 | 6.875% | $250,000 | 3.0% |
| First Central Credit Union | 58 | 8.775% | $75,000 | 14.6% |
| CHURCHILL MORTGAGE CORPORATION | 56 | 6.875% | $225,000 | 3.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 6.625% | $270,000 | 5.0% |
| Cadence Bank | 52 | 7.068% | $200,000 | 29.3% |
| GUILD MORTGAGE COMPANY | 52 | 6.500% | $230,000 | 9.0% |
| JPMorgan Chase Bank, National Association | 51 | 6.625% | $195,000 | 20.0% |
| Extraco Banks, National Association | 48 | 6.563% | $300,000 | 9.4% |
| Trinity Oaks Mortgage, LLC | 45 | 6.625% | $385,000 | 2.1% |
| 21st Mortgage Corporation | 44 | 9.280% | $130,000 | 72.7% |
| GENCO FEDERAL CREDIT UNION | 44 | Not published | $110,000 | 57.0% |
| FREEDOM MORTGAGE CORPORATION | 43 | 6.250% | $275,000 | 10.7% |
| Loandepot.Com, LLC | 43 | 6.990% | $185,000 | 20.7% |
| NETWORK FUNDING, L.P. | 39 | 6.375% | $305,000 | 6.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 38 | 6.933% | $285,000 | 0.0% |
| CMG MORTGAGE, INC. | 37 | 6.625% | $255,000 | 4.4% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.870% | $200,000 | 15.2% |
| Navy Federal Credit Union | 33 | 6.375% | $275,000 | 34.6% |
| First National Bank Texas | 33 | 6.375% | $275,000 | 0.0% |
| Wallick & Volk, Inc. | 32 | 6.563% | $235,000 | 5.9% |
| TEXELL Credit Union | 32 | 6.490% | $120,000 | 13.5% |
| EDUCATORS CREDIT UNION | 32 | Not published | $70,000 | 0.0% |
| PNC Bank, National Association | 28 | 7.433% | $275,000 | 49.2% |
| EVERETT FINANCIAL, INC. | 28 | 6.750% | $260,000 | 3.5% |
| NATIONSTAR MORTGAGE LLC | 26 | 7.490% | $145,000 | 15.6% |
| Bank of America, National Association | 25 | 6.490% | $85,000 | 64.4% |
| 254900H565SUNWJ0IV44 | 25 | 4.990% | $285,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.720% | $125,000 | 46.4% |
| MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION | 24 | 6.400% | $160,000 | 44.2% |
| Wells Fargo Bank, National Association | 24 | 6.500% | $220,000 | 27.3% |
| KIND LENDING, LLC | 24 | 6.125% | $260,000 | 19.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 6.490% | $280,000 | 0.0% |
| First National Bank of Bosque County | 21 | 6.500% | $205,000 | 0.0% |
| First State Bank | 18 | 7.000% | $300,000 | 5.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 9.990% | $95,000 | 74.7% |
| DEEPHAVEN MORTGAGE LLC | 17 | 8.125% | $145,000 | 15.0% |
| Kiavi Funding, Inc. | 16 | 10.720% | $175,000 | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.625% | $300,000 | 5.3% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $255,000 | 60.0% |
| ROYAL UNITED MORTGAGE LLC | 15 | 7.000% | $115,000 | 27.3% |
| NFM, INC. | 15 | 7.000% | $195,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 15 | 6.250% | $305,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.438% | $225,000 | 17.7% |
| Gateway First Bank | 14 | 6.188% | $200,000 | 0.0% |
| SouthState Bank, National Association | 14 | 6.550% | $300,000 | 6.7% |
| GUARANTEED RATE, INC. | 13 | 6.500% | $255,000 | 23.5% |
| THE LOAN STORE, INC. | 13 | 6.875% | $245,000 | 17.7% |
| AmeriSave Mortgage Corporation | 12 | 7.250% | $205,000 | 67.6% |
| BOKF, National Association | 12 | 7.038% | $175,000 | 31.6% |
| Broker Solutions, Inc. | 11 | 6.625% | $165,000 | 38.9% |
| SOUTHWEST STAGE FUNDING, LLC | 11 | 8.500% | $135,000 | 0.0% |
| USAA Federal Savings Bank | 11 | 6.500% | $325,000 | 35.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.625% | $245,000 | 15.4% |
| 549300KZ4HZESXAO1M36 | 11 | Not published | $175,000 | 20.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 11 | 6.625% | $285,000 | 0.0% |
| Inwood National Bank | 11 | 6.250% | $365,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.933% | $380,000 | 13.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 10 | 7.750% | $295,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.625% | $240,000 | 28.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.875% | $210,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 5.813% | $355,000 | 16.7% |
| UNION HOME MORTGAGE CORP. | 10 | 6.500% | $285,000 | 9.1% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 11.1% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 38.9% |
| RIGHT START MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Frost Bank | 9 | Under 10 loans | Under 10 loans | 26.7% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Valley West Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 82.4% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 78.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Centennial Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Incommons Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| First Guaranty Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First United Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Empeople Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| CREDIT UNION OF TEXAS | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| H E B Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CONCEPTS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMETRUST MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TexasBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Evant | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 88.2% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PLATINUM EAGLE MORTGAGE LLC | 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 | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 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 232 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in McLennan County
63 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 101 Santa Fe Dr, Woodway
- Cadence Bank, 400 South Highway 6, Riesel
- Cadence Bank, 4901 Bosque Blvd, Waco
- Cadence Bank, 5500 Bagby Ave, Waco
- Citizens State Bank, 100 N Main St, West
Get told when this changes
When the next year’s lending figures are out for McLennan 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.