Mortgage lenders in Smith County
4,563 mortgages were made in Smith County, Texas, in 2025, by 411 lenders. The median rate their borrowers got was 6.750% on a median loan of $225,000. Of 6,713 decisions, 1,807 were denials — 26.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 355 | 6.500% | $285,000 | 10.9% |
| Rocket Mortgage, LLC | 324 | 6.688% | $215,000 | 19.8% |
| CMG MORTGAGE, INC. | 311 | 6.750% | $245,000 | 2.9% |
| ALTRA Federal Credit Union | 239 | 6.990% | $145,000 | 20.7% |
| Austin Bank, Texas National Association | 151 | 7.350% | $205,000 | 15.5% |
| 21st Mortgage Corporation | 137 | 10.070% | $105,000 | 70.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 115 | 6.625% | $215,000 | 4.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | 104 | 6.490% | $275,000 | 1.0% |
| Southside Bank | 90 | 6.875% | $200,000 | 37.9% |
| GUILD MORTGAGE COMPANY | 90 | 6.500% | $255,000 | 2.0% |
| Cadence Bank | 90 | 6.750% | $250,000 | 16.5% |
| Texas Bank and Trust Company | 80 | 6.750% | $270,000 | 15.3% |
| PLATINUM EAGLE MORTGAGE LLC | 80 | 6.500% | $260,000 | 3.6% |
| Regions Bank | 77 | 6.750% | $95,000 | 47.5% |
| NEWREZ LLC | 71 | 6.375% | $275,000 | 28.7% |
| Mortgage Research Center, LLC | 61 | 6.250% | $305,000 | 19.5% |
| PENNYMAC LOAN SERVICES, LLC | 59 | 6.750% | $225,000 | 10.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 57 | 6.625% | $275,000 | 1.7% |
| Texas National Bank of Jacksonville | 55 | Not published | $245,000 | 10.0% |
| VeraBank, National Association | 52 | 7.750% | $195,000 | 13.3% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | 49 | 6.900% | $155,000 | 31.9% |
| Loandepot.Com, LLC | 46 | 6.625% | $180,000 | 42.5% |
| Fairway Independent Mortgage Corporation | 46 | 6.750% | $265,000 | 6.1% |
| FREEDOM MORTGAGE CORPORATION | 44 | 6.250% | $295,000 | 14.5% |
| JPMorgan Chase Bank, National Association | 40 | 6.558% | $220,000 | 13.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 40 | 6.625% | $320,000 | 8.0% |
| GUARANTEED RATE, INC. | 39 | 6.750% | $255,000 | 8.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 39 | 6.990% | $265,000 | 4.4% |
| Bank of America, National Association | 37 | 6.250% | $155,000 | 42.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 37 | 6.500% | $315,000 | 7.5% |
| NATIONSTAR MORTGAGE LLC | 34 | 6.875% | $195,000 | 25.0% |
| EASTMAN CREDIT UNION | 34 | 6.500% | $200,000 | 18.2% |
| Ixonia Bank | 33 | 6.750% | $295,000 | 2.9% |
| THE LOAN STORE, INC. | 32 | 7.313% | $195,000 | 21.3% |
| Origin Bank | 32 | 7.000% | $290,000 | 15.4% |
| United Heritage Credit Union | 32 | 7.150% | $75,000 | 25.0% |
| SUMMIT FUNDING, INC. | 32 | 6.500% | $180,000 | 0.0% |
| Citizens 1st Bank | 30 | Not published | $150,000 | 8.3% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 9.580% | $95,000 | 51.0% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 4.990% | $245,000 | 17.7% |
| CREDIT UNION OF TEXAS | 26 | 7.650% | $105,000 | 35.6% |
| Cross Keys Bank | 26 | Not published | $275,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 25 | 6.625% | $265,000 | 0.0% |
| Navy Federal Credit Union | 24 | 6.188% | $290,000 | 35.7% |
| CANOPY MORTGAGE, LLC | 24 | 6.250% | $235,000 | 0.0% |
| Prosperity Bank | 22 | 7.313% | $205,000 | 45.2% |
| EAST TEXAS PROFESSIONAL Credit Union | 21 | 6.875% | $105,000 | 24.1% |
| Wells Fargo Bank, National Association | 21 | 6.250% | $205,000 | 16.0% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.490% | $215,000 | 24.1% |
| TEXAS MORTGAGE LENDING, LLC | 20 | 6.433% | $210,000 | 8.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 9.250% | $95,000 | 79.2% |
| FIRST CHOICE MH LLC | 19 | 10.350% | $95,000 | 13.6% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 18 | 6.938% | $110,000 | 10.0% |
| SPRING EQ, LLC | 17 | 9.475% | $75,000 | 59.5% |
| PNC Bank, National Association | 17 | 7.500% | $185,000 | 54.1% |
| Texas Bank | 17 | Not published | $275,000 | 15.0% |
| Broker Solutions, Inc. | 16 | 6.813% | $185,000 | 37.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.813% | $265,000 | 5.6% |
| Greenbox Loans, Inc. | 16 | 7.875% | $235,000 | 0.0% |
| KIND LENDING, LLC | 15 | 6.500% | $255,000 | 38.5% |
| USAA Federal Savings Bank | 15 | 6.125% | $335,000 | 37.5% |
| The American National Bank of Texas | 15 | 6.490% | $355,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 14 | 6.688% | $280,000 | 0.0% |
| Broadstreet Bank, SSB | 13 | Not published | $155,000 | 18.8% |
| Kiavi Funding, Inc. | 13 | 9.000% | $165,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.370% | $245,000 | 46.2% |
| AmeriSave Mortgage Corporation | 12 | 8.500% | $90,000 | 69.2% |
| ROYAL UNITED MORTGAGE LLC | 12 | 7.438% | $110,000 | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 12 | 6.250% | $270,000 | 7.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 9.480% | $210,000 | 20.0% |
| UNION HOME MORTGAGE CORP. | 11 | 6.500% | $255,000 | 26.7% |
| Telco Plus Credit Union | 11 | 6.125% | $175,000 | 8.3% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.375% | $215,000 | 15.4% |
| Equity Prime Mortgage LLC | 10 | 6.438% | $295,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.688% | $150,000 | 31.3% |
| Plains Commerce Bank | 10 | 6.990% | $260,000 | 9.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.364% | $245,000 | 8.3% |
| TIB National Association | 10 | 6.500% | $360,000 | 9.1% |
| EVERETT FINANCIAL, INC. | 10 | 7.313% | $315,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 31.6% |
| UBank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 66.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| EUSTIS MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| SFMC, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of East Texas | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 85.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 12.5% |
| The City National Bank of Sulphur Springs | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 70.0% |
| FIGURE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 59.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 53.8% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Shelby Savings Bank, SSB | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Assurance Financial Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sunflower Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Pilgrim Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED BUILT HOMES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 46.7% |
| COUNTRYPLACE MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 78.6% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RPE Home, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank Southwest | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pointbank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 79.3% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 86.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 72.7% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Hughes Springs | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Cooperative Teachers Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| FUNDLOANS CAPITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Orchard Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 5493008S3V47SHFD8R45 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commercial Bank of Texas, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARTER FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Extraco Banks, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 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 211 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Smith County
89 FDIC-insured branches from 28 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 1721 S Beckham Ave, Tyler
- Cadence Bank, 7600 S Broadway Ave, Tyler
- Cross Keys Bank, 4801 Old Jacksonville Hwy, Tyler
- Southside Bank, 3815 State Highway 64 W, Tyler
Get told when this changes
When the next year’s lending figures are out for Smith 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.