Refinancing lenders in Williamson County
2,433 refinancing mortgages were made in Williamson County, Texas, in 2025, by 313 lenders. The median rate their borrowers got was 6.000% on a median loan of $435,000. Of 3,337 decisions, 712 were denials — 21.3%, most often for credit application incomplete.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,020 | 6.000% | $495,000 | 10.0% |
| Rocket Mortgage, LLC | 151 | 5.990% | $375,000 | 32.0% |
| FREEDOM MORTGAGE CORPORATION | 89 | 6.125% | $435,000 | 12.9% |
| PENNYMAC LOAN SERVICES, LLC | 58 | 5.625% | $405,000 | 18.8% |
| NEWREZ LLC | 42 | 5.750% | $380,000 | 27.1% |
| LAKEVIEW LOAN SERVICING, LLC | 38 | 5.933% | $455,000 | 66.1% |
| Fairway Independent Mortgage Corporation | 38 | 5.990% | $430,000 | 7.3% |
| JPMorgan Chase Bank, National Association | 33 | 5.625% | $355,000 | 8.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 32 | 5.750% | $385,000 | 8.3% |
| PLANET HOME LENDING, LLC | 24 | 5.750% | $435,000 | 16.7% |
| AAXY L.L.C. | 24 | 5.813% | $460,000 | 0.0% |
| PNC Bank, National Association | 23 | 7.240% | $260,000 | 35.1% |
| Paramount Residential Mortgage Group, Inc. | 23 | 6.875% | $535,000 | 0.0% |
| CMG MORTGAGE, INC. | 22 | 6.125% | $470,000 | 6.9% |
| THE LOAN STORE, INC. | 21 | 6.750% | $265,000 | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 18 | 6.375% | $425,000 | 14.3% |
| ROYAL UNITED MORTGAGE LLC | 18 | 6.500% | $220,000 | 23.1% |
| UNIVERSITY Federal Credit Union | 18 | 6.125% | $335,000 | 21.7% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.063% | $365,000 | 26.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 17 | 6.125% | $525,000 | 0.0% |
| Loandepot.Com, LLC | 16 | 5.625% | $300,000 | 46.9% |
| Frost Bank | 16 | 5.325% | $360,000 | 50.0% |
| Bank of America, National Association | 16 | 5.990% | $155,000 | 40.7% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.125% | $205,000 | 5.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 5.750% | $345,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 5.875% | $455,000 | 0.0% |
| NexBank | 14 | 6.438% | $310,000 | 6.7% |
| PILGRIM MORTGAGE LLC | 12 | 6.250% | $405,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 6.250% | $420,000 | 0.0% |
| KIND LENDING, LLC | 11 | 6.750% | $375,000 | 38.9% |
| UNION HOME MORTGAGE CORP. | 11 | 5.625% | $445,000 | 21.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 11 | 5.750% | $235,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 5.813% | $435,000 | 82.1% |
| GUARANTEED RATE, INC. | 10 | 5.675% | $415,000 | 15.4% |
| PHH Mortgage Corporation | 10 | 5.750% | $400,000 | 15.4% |
| Alcova Mortgage LLC | 10 | 6.438% | $405,000 | 0.0% |
| Regions Bank | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 47.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 28.6% |
| GUILD MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 11.1% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 6 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900K39SBWA2QOUF69 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank of Taylor | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AUSTIN TELCO | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TEXELL Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| H E B Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthStar Bank, S.S.B. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 87.5% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Round Top State Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| STAR ONE Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Texas Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Zions Bancorporation, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank of Texas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Louisiana National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Comerica Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 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 | 60.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT LENDING PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITOL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOOGAIN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadway National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Investor Mortgage Finance LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENCORE BANK | 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 | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME FINANCING UNLIMITED, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| R Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PACIFIC LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Heritage Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Classic Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 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 113 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.