Refinancing lenders in Montgomery County
1,811 refinancing mortgages were made in Montgomery County, Texas, in 2025, by 335 lenders. The median rate their borrowers got was 6.124% on a median loan of $325,000. Of 2,720 decisions, 723 were denials — 26.6%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 329 | 5.960% | $355,000 | 11.6% |
| Rocket Mortgage, LLC | 203 | 5.990% | $315,000 | 27.2% |
| FREEDOM MORTGAGE CORPORATION | 129 | 6.125% | $355,000 | 7.6% |
| PENNYMAC LOAN SERVICES, LLC | 72 | 5.875% | $335,000 | 15.5% |
| LAKEVIEW LOAN SERVICING, LLC | 50 | 5.990% | $340,000 | 58.4% |
| NEWREZ LLC | 35 | 6.250% | $345,000 | 21.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 35 | 6.125% | $305,000 | 2.7% |
| Bank of America, National Association | 33 | 5.990% | $285,000 | 34.0% |
| PNC Bank, National Association | 33 | 7.740% | $210,000 | 28.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 31 | 5.990% | $325,000 | 11.3% |
| Zions Bancorporation, N.A. | 28 | 6.890% | $200,000 | 27.7% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.125% | $345,000 | 9.4% |
| JPMorgan Chase Bank, National Association | 26 | 6.063% | $350,000 | 18.2% |
| PLANET HOME LENDING, LLC | 26 | 5.750% | $320,000 | 20.6% |
| CMG MORTGAGE, INC. | 24 | 6.438% | $320,000 | 11.4% |
| ROYAL UNITED MORTGAGE LLC | 24 | 6.688% | $100,000 | 39.0% |
| KIND LENDING, LLC | 20 | 6.563% | $445,000 | 37.5% |
| GUILD MORTGAGE COMPANY | 17 | 6.125% | $475,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | 6.089% | $395,000 | 11.1% |
| Fairway Independent Mortgage Corporation | 15 | 6.250% | $535,000 | 10.0% |
| Mortgage Research Center, LLC | 13 | 5.875% | $385,000 | 78.7% |
| Frost Bank | 13 | 6.580% | $155,000 | 50.0% |
| GUARANTEED RATE, INC. | 12 | 6.188% | $545,000 | 12.5% |
| Loandepot.Com, LLC | 12 | 5.990% | $385,000 | 38.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.000% | $195,000 | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 5.750% | $315,000 | 26.7% |
| CLEARPATH LENDING | 11 | 5.749% | $335,000 | 0.0% |
| Regions Bank | 10 | 5.308% | $105,000 | 38.1% |
| FIVEPOINT CREDIT UNION | 10 | Not published | $265,000 | 0.0% |
| Cadence Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Prosperity Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Comerica Bank | 6 | Under 10 loans | Under 10 loans | 56.3% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SENTE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 5 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 44.4% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DUGOOD FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 70.6% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JSC Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 80.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 76.9% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Austin Bank, Texas National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SMART FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHELL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Griffin Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900L5MERNYAI3AH26 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SERVICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300N7MKAZNGCKT625 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldwater Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 83.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| BOKF, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FocusOne Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMEWAY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RAVE FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Stellar Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Huntsville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 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 135 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.