Home purchase lenders in McLennan County
2,955 home purchase mortgages were made in McLennan County, Texas, in 2025, by 334 lenders. The median rate their borrowers got was 6.500% on a median loan of $265,000. Of 3,697 decisions, 543 were denials — 14.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SWBC MORTGAGE CORPORATION | 209 | 6.625% | $295,000 | 2.3% |
| Fairway Independent Mortgage Corporation | 195 | 6.625% | $255,000 | 4.4% |
| MOVEMENT MORTGAGE, LLC | 147 | 6.625% | $225,000 | 2.3% |
| DHI MORTGAGE COMPANY, LTD. | 138 | 4.625% | $295,000 | 17.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 137 | 6.490% | $285,000 | 12.1% |
| Rocket Mortgage, LLC | 114 | 6.375% | $235,000 | 11.5% |
| Granite Bank | 108 | 6.490% | $265,000 | 0.0% |
| Central National Bank | 96 | Not published | $250,000 | 5.7% |
| 549300UK9R93LGQHOV21 | 81 | 5.250% | $295,000 | 0.0% |
| Alliance Bank Central Texas | 75 | Not published | $185,000 | 11.8% |
| Mortgage Research Center, LLC | 61 | 6.250% | $305,000 | 13.9% |
| American Bank, National Association | 58 | Not published | $260,000 | 1.5% |
| CHURCHILL MORTGAGE CORPORATION | 54 | 6.875% | $225,000 | 3.4% |
| First National Bank of Central Texas | 53 | Not published | $205,000 | 3.6% |
| Community Bank & Trust, Waco, Texas | 47 | Not published | $245,000 | 4.1% |
| GUILD MORTGAGE COMPANY | 46 | 6.500% | $195,000 | 8.5% |
| 21st Mortgage Corporation | 44 | 9.280% | $130,000 | 72.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 44 | 6.625% | $275,000 | 2.2% |
| Susser Bank | 43 | 6.750% | $245,000 | 2.3% |
| Trinity Oaks Mortgage, LLC | 40 | 6.625% | $390,000 | 2.4% |
| Extraco Banks, National Association | 38 | 6.500% | $340,000 | 0.0% |
| NETWORK FUNDING, L.P. | 37 | 6.125% | $315,000 | 2.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 33 | 6.750% | $275,000 | 0.0% |
| CMG MORTGAGE, INC. | 33 | 6.625% | $255,000 | 5.3% |
| JPMorgan Chase Bank, National Association | 32 | 6.625% | $210,000 | 20.0% |
| Wallick & Volk, Inc. | 32 | 6.563% | $235,000 | 5.9% |
| NEWREZ LLC | 30 | 6.250% | $215,000 | 11.8% |
| First National Bank Texas | 30 | 6.250% | $285,000 | 0.0% |
| The First National Bank of McGregor | 29 | Not published | $155,000 | 0.0% |
| Cadence Bank | 27 | 6.670% | $215,000 | 12.5% |
| 254900H565SUNWJ0IV44 | 25 | 4.990% | $285,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 24 | 8.720% | $125,000 | 46.4% |
| KIND LENDING, LLC | 24 | 6.125% | $260,000 | 16.7% |
| EVERETT FINANCIAL, INC. | 23 | 6.750% | $265,000 | 4.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 19 | 6.490% | $275,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 9.990% | $95,000 | 74.7% |
| Navy Federal Credit Union | 17 | 6.125% | $325,000 | 14.3% |
| CORNERSTONE CAPITAL BANK, SSB | 15 | 6.250% | $305,000 | 0.0% |
| Kiavi Funding, Inc. | 14 | 10.750% | $185,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.625% | $280,000 | 5.9% |
| Wells Fargo Bank, National Association | 13 | 6.125% | $355,000 | 18.8% |
| First State Bank | 13 | 6.625% | $255,000 | 7.1% |
| Loandepot.Com, LLC | 12 | 6.688% | $210,000 | 0.0% |
| First National Bank of Bosque County | 12 | 6.750% | $310,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 11 | 8.500% | $135,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 11 | 6.625% | $245,000 | 15.4% |
| USAA Federal Savings Bank | 10 | 6.563% | $295,000 | 33.3% |
| PNC Bank, National Association | 10 | 6.563% | $310,000 | 28.6% |
| GENCO FEDERAL CREDIT UNION | 10 | Not published | $265,000 | 23.1% |
| Gateway First Bank | 10 | 5.938% | $210,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.875% | $210,000 | 0.0% |
| First Central Credit Union | 9 | Under 10 loans | Under 10 loans | 21.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SFMC, LP | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 46.2% |
| MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| 549300KZ4HZESXAO1M36 | 7 | Under 10 loans | Under 10 loans | 20.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 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% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TEXELL Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Sierra Pacific Mortgage Company, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Guaranty Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First United Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 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% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMETRUST MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 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% |
| Incommons Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 71.4% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| GARDNER FINANCIAL SERVICES, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| NEXERA HOLDING LLC | 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% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLATINUM EAGLE MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 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% |
| LEADERONE FINANCIAL 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% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 45.5% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| UNITED BUILT HOMES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FocusOne Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900O723MCLR701H50 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GECU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stellar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wellington State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Investmark Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Security State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Evant | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | 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 134 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.