Home purchase lenders in Smith County
2,948 home purchase mortgages were made in Smith County, Texas, in 2025, by 325 lenders. The median rate their borrowers got was 6.625% on a median loan of $255,000. Of 4,134 decisions, 965 were denials — 23.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 268 | 6.750% | $240,000 | 2.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 242 | 6.624% | $275,000 | 5.8% |
| Rocket Mortgage, LLC | 152 | 6.500% | $245,000 | 10.4% |
| 21st Mortgage Corporation | 135 | 10.070% | $105,000 | 70.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 112 | 6.625% | $215,000 | 3.5% |
| Austin Bank, Texas National Association | 109 | 7.150% | $255,000 | 8.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 97 | 6.490% | $275,000 | 1.0% |
| GUILD MORTGAGE COMPANY | 82 | 6.500% | $260,000 | 2.2% |
| PLATINUM EAGLE MORTGAGE LLC | 72 | 6.375% | $265,000 | 1.4% |
| ALTRA Federal Credit Union | 69 | 6.640% | $255,000 | 10.8% |
| Cadence Bank | 59 | 6.500% | $315,000 | 10.5% |
| Texas Bank and Trust Company | 57 | 6.625% | $295,000 | 10.3% |
| Southside Bank | 56 | 6.750% | $225,000 | 34.9% |
| Mortgage Research Center, LLC | 53 | 6.250% | $305,000 | 3.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 49 | 6.625% | $285,000 | 2.0% |
| Fairway Independent Mortgage Corporation | 43 | 6.875% | $265,000 | 4.4% |
| VeraBank, National Association | 40 | 7.750% | $255,000 | 4.8% |
| Texas National Bank of Jacksonville | 39 | Not published | $255,000 | 6.4% |
| GUARANTEED RATE, INC. | 37 | 6.750% | $265,000 | 7.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 35 | 6.500% | $315,000 | 7.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 35 | 6.990% | $255,000 | 5.1% |
| NEWREZ LLC | 34 | 6.433% | $270,000 | 2.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 32 | 6.625% | $320,000 | 9.8% |
| Ixonia Bank | 32 | 6.750% | $290,000 | 3.0% |
| SUMMIT FUNDING, INC. | 32 | 6.500% | $180,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 28 | 6.433% | $235,000 | 6.7% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 9.580% | $95,000 | 51.0% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 4.990% | $245,000 | 17.7% |
| Paramount Residential Mortgage Group, Inc. | 25 | 6.625% | $265,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 24 | 6.250% | $235,000 | 0.0% |
| Navy Federal Credit Union | 20 | 6.063% | $300,000 | 15.4% |
| PLAZA HOME MORTGAGE, INC. | 20 | 6.490% | $215,000 | 19.2% |
| Cross Keys Bank | 20 | Not published | $230,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 9.250% | $95,000 | 79.2% |
| Citizens 1st Bank | 19 | Not published | $155,000 | 0.0% |
| FIRST CHOICE MH LLC | 19 | 10.350% | $95,000 | 13.6% |
| Regions Bank | 17 | 6.625% | $345,000 | 32.0% |
| Origin Bank | 17 | 6.990% | $295,000 | 0.0% |
| EASTMAN CREDIT UNION | 16 | 6.750% | $185,000 | 15.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.750% | $265,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.562% | $245,000 | 6.3% |
| Bank of America, National Association | 14 | 6.063% | $220,000 | 26.3% |
| THE LOAN STORE, INC. | 14 | 6.688% | $240,000 | 0.0% |
| Prosperity Bank | 13 | 6.875% | $255,000 | 35.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.625% | $275,000 | 0.0% |
| USAA Federal Savings Bank | 12 | 6.125% | $335,000 | 42.9% |
| KIND LENDING, LLC | 12 | 6.500% | $280,000 | 23.5% |
| Loandepot.Com, LLC | 12 | 6.538% | $260,000 | 25.0% |
| Texas Bank | 12 | Not published | $275,000 | 14.3% |
| The American National Bank of Texas | 12 | 6.557% | $350,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 6.625% | $235,000 | 26.7% |
| FREEDOM MORTGAGE CORPORATION | 11 | 6.250% | $335,000 | 20.0% |
| Wells Fargo Bank, National Association | 10 | 6.125% | $240,000 | 16.7% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 31.6% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EAST TEXAS PROFESSIONAL Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| TEXAS MORTGAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broadstreet Bank, SSB | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| First National Bank of East Texas | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank of Sulphur Springs | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TIB National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Guaranty Bank & Trust, N.A. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| 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% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Telco Plus Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| UBank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Frost Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 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% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RIGHT START MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 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% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 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% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 20.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Shelby Savings Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 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% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pilgrim Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Hughes Springs | 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% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 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% |
| CARTER FEDERAL CREDIT UNION | 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 | 0.0% |
| Extraco Banks, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank Southwest | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pointbank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Winnsboro | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300UK9R93LGQHOV21 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gilmer National Bank, Gilmer, Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 77.8% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank OZK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AB COMMUNITY INVESTMENT COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Signature Bank of Arkansas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 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 125 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.