Mortgage lenders in Wood County
1,014 mortgages were made in Wood County, Texas, in 2025, by 240 lenders. The median rate their borrowers got was 6.750% on a median loan of $185,000. Of 1,509 decisions, 395 were denials — 26.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The City National Bank of Sulphur Springs | 80 | 7.125% | $160,000 | 15.6% |
| Rocket Mortgage, LLC | 76 | 6.813% | $165,000 | 15.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 67 | 6.498% | $255,000 | 4.3% |
| GUILD MORTGAGE COMPANY | 66 | 6.495% | $175,000 | 5.4% |
| 21st Mortgage Corporation | 39 | 9.660% | $135,000 | 65.9% |
| CMG MORTGAGE, INC. | 34 | 6.688% | $220,000 | 2.6% |
| Fairway Independent Mortgage Corporation | 24 | 6.750% | $185,000 | 0.0% |
| Mortgage Research Center, LLC | 21 | 6.250% | $275,000 | 16.0% |
| First National Bank of East Texas | 20 | Not published | $105,000 | 23.3% |
| PENNYMAC LOAN SERVICES, LLC | 20 | 6.250% | $190,000 | 19.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.688% | $285,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 8.990% | $105,000 | 47.2% |
| Broadstreet Bank, SSB | 17 | Not published | $145,000 | 26.9% |
| CREDIT UNION OF TEXAS | 16 | 7.900% | $70,000 | 20.0% |
| NEWREZ LLC | 12 | 6.688% | $200,000 | 20.0% |
| Loandepot.Com, LLC | 12 | 6.500% | $175,000 | 40.9% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $290,000 | 17.7% |
| The First National Bank of Winnsboro | 12 | Not published | $95,000 | 25.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 12 | 6.688% | $315,000 | 0.0% |
| American Mortgage Bank, LLC | 12 | 6.125% | $165,000 | 14.3% |
| Investmark Mortgage, LLC | 10 | 11.990% | $120,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Cadence Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Emporium TPO LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| TEXAS MORTGAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Austin Bank, Texas National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The American National Bank of Texas | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Bank | 6 | Under 10 loans | Under 10 loans | 41.7% |
| ALTRA Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 12.5% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SUMMIT FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 50.0% |
| TIB National Association | 5 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MORTGAGE FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 58.8% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SFMC, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Guaranty Bank & Trust, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 68.4% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Southside Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED BUILT HOMES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Texas National Bank of Jacksonville | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Zions Bancorporation, N.A. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EECU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Heritage Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTYONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Heritage National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 93.8% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lone Star Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Shelby Savings Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Momentum Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST TEXAS PROFESSIONAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Mortgage Associates Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANPEOPLE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Telco Plus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Regional Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens 1st Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McGregor | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeBank Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300KZ4HZESXAO1M36 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Veritex Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gilmer National Bank, Gilmer, Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 0 | Under 10 loans | Under 10 loans | 92.3% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 91.7% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| The Dart Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FINANCE OF AMERICA REVERSE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| InterBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 40 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Wood County
19 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The City National Bank of Sulphur Springs | 6 | $398.0 million |
| Origin Bank | 3 | $308.9 million |
| Broadstreet Bank S S B | 3 | $218.0 million |
| The First National Bank of Winnsboro | 2 | $106.6 million |
| The First National Bank of East Texas | 2 | $88.6 million |
| Prosperity Bank | 1 | $21.5 million |
| Southside Bank | 1 | $16.0 million |
| First National Bank Texas | 1 | $856,000 |
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When the next year’s lending figures are out for Wood 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.