Mortgage lenders in Bell County
9,383 mortgages were made in Bell County, Texas, in 2025, by 450 lenders. The median rate their borrowers got was 6.250% on a median loan of $265,000. Of 12,577 decisions, 2,633 were denials — 20.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 870 | 4.750% | $285,000 | 11.2% |
| Fairway Independent Mortgage Corporation | 869 | 6.250% | $285,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 627 | 5.875% | $285,000 | 12.5% |
| Mortgage Research Center, LLC | 522 | 6.250% | $255,000 | 20.8% |
| Rocket Mortgage, LLC | 392 | 6.750% | $185,000 | 30.0% |
| First National Bank Texas | 346 | 6.250% | $275,000 | 1.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 242 | 7.750% | $305,000 | 1.5% |
| Navy Federal Credit Union | 209 | 6.250% | $195,000 | 40.3% |
| CMG MORTGAGE, INC. | 195 | 6.000% | $285,000 | 4.5% |
| Cadence Bank | 192 | 6.375% | $275,000 | 22.7% |
| TEXELL Credit Union | 191 | 6.740% | $85,000 | 28.0% |
| FREEDOM MORTGAGE CORPORATION | 189 | 6.125% | $275,000 | 10.7% |
| 549300UK9R93LGQHOV21 | 180 | 4.990% | $295,000 | 0.5% |
| SWBC MORTGAGE CORPORATION | 158 | 6.000% | $315,000 | 3.0% |
| PENNYMAC LOAN SERVICES, LLC | 156 | 6.125% | $245,000 | 15.0% |
| 254900H565SUNWJ0IV44 | 147 | 5.490% | $355,000 | 0.0% |
| NEWREZ LLC | 121 | 6.125% | $295,000 | 34.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 117 | 6.125% | $265,000 | 5.6% |
| Extraco Banks, National Association | 112 | 6.625% | $245,000 | 12.5% |
| NATIONSTAR MORTGAGE LLC | 109 | 7.000% | $165,000 | 15.8% |
| CORNERSTONE CAPITAL BANK, SSB | 107 | 5.250% | $315,000 | 0.0% |
| LENNAR MORTGAGE, LLC | 104 | 4.625% | $235,000 | 19.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 89 | 6.250% | $265,000 | 5.3% |
| Central National Bank | 83 | Not published | $305,000 | 0.0% |
| Broker Solutions, Inc. | 80 | 6.313% | $235,000 | 14.9% |
| PENTAGON FEDERAL CREDIT UNION | 74 | 7.125% | $130,000 | 49.0% |
| GUILD MORTGAGE COMPANY | 70 | 6.250% | $225,000 | 4.8% |
| Loandepot.Com, LLC | 67 | 6.875% | $185,000 | 37.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 6.250% | $255,000 | 4.1% |
| 21st Mortgage Corporation | 65 | 9.870% | $105,000 | 65.3% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 61 | 5.490% | $355,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 57 | 6.125% | $295,000 | 59.9% |
| 254900CTT87ZKAUTIJ37 | 57 | 10.750% | $185,000 | 11.0% |
| JPMorgan Chase Bank, National Association | 55 | 6.750% | $175,000 | 15.9% |
| PLAZA HOME MORTGAGE, INC. | 52 | 6.375% | $265,000 | 29.3% |
| USAA Federal Savings Bank | 45 | 6.125% | $295,000 | 34.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 42 | 5.750% | $330,000 | 8.3% |
| A+ Federal Credit Union | 42 | 6.990% | $110,000 | 49.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 42 | 6.875% | $100,000 | 15.9% |
| THE LOAN STORE, INC. | 42 | 6.625% | $175,000 | 9.6% |
| GUARANTEED RATE, INC. | 38 | 6.250% | $265,000 | 13.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 36 | 10.750% | $90,000 | 68.5% |
| Bank of America, National Association | 36 | 6.240% | $105,000 | 68.4% |
| SPRING EQ, LLC | 36 | 10.038% | $65,000 | 63.8% |
| PULTE MORTGAGE LLC | 36 | 4.750% | $305,000 | 30.8% |
| Gateway First Bank | 35 | 6.250% | $265,000 | 2.8% |
| LoanUnited.com, LLC | 34 | 5.933% | $295,000 | 17.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 32 | 5.990% | $370,000 | 0.0% |
| KIND LENDING, LLC | 31 | 6.500% | $275,000 | 32.6% |
| PLANET HOME LENDING, LLC | 31 | 5.990% | $265,000 | 26.2% |
| MOVEMENT MORTGAGE, LLC | 31 | 6.250% | $275,000 | 2.7% |
| PNC Bank, National Association | 30 | 7.750% | $120,000 | 61.3% |
| Equity Prime Mortgage LLC | 30 | 6.500% | $320,000 | 23.1% |
| Frost Bank | 30 | 7.590% | $105,000 | 34.0% |
| First United Bank and Trust Company | 30 | 6.625% | $315,000 | 11.4% |
| LEADERONE FINANCIAL CORPORATION | 29 | 6.000% | $335,000 | 9.4% |
| Wells Fargo Bank, National Association | 28 | 6.125% | $225,000 | 31.0% |
| Wolfe Financial, Inc | 27 | 6.500% | $205,000 | 6.9% |
| First Texas Bank | 27 | Not published | $165,000 | 14.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $185,000 | 54.6% |
| Lendage, LLC | 25 | 11.750% | $65,000 | 3.3% |
| AmeriSave Mortgage Corporation | 24 | 7.500% | $105,000 | 71.1% |
| CHAMPIONS FUNDING, LLC | 24 | 7.999% | $210,000 | 7.7% |
| GUARANTEED RATE AFFINITY, LLC | 23 | 6.250% | $245,000 | 23.3% |
| KBHS HOME LOANS, LLC | 23 | 6.125% | $265,000 | 17.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 23 | 6.750% | $265,000 | 8.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 23 | 7.700% | $125,000 | 0.0% |
| GoodLeap, LLC | 22 | 6.870% | $170,000 | 18.0% |
| ROYAL UNITED MORTGAGE LLC | 22 | 6.938% | $135,000 | 25.8% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 7.875% | $135,000 | 29.0% |
| Primis Mortgage Company | 22 | 6.625% | $225,000 | 4.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 20 | 6.750% | $210,000 | 0.0% |
| 549300KZ4HZESXAO1M36 | 20 | Not published | $180,000 | 20.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 20 | 6.495% | $235,000 | 0.0% |
| Alliance Bank Central Texas | 20 | Not published | $225,000 | 8.7% |
| TRIAD FINANCIAL SERVICES, INC. | 18 | 9.385% | $145,000 | 47.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 18 | 5.875% | $320,000 | 30.3% |
| UNIVERSITY Federal Credit Union | 18 | 6.563% | $245,000 | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.250% | $285,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 5.990% | $345,000 | 15.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 16 | 6.938% | $205,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 15 | 6.625% | $295,000 | 11.8% |
| BOKF, National Association | 15 | 6.500% | $375,000 | 28.6% |
| LOWER, LLC | 15 | 6.625% | $275,000 | 6.3% |
| Armed Forces Bank, National Association | 15 | 6.375% | $265,000 | 28.6% |
| CLEARPATH LENDING | 15 | 5.625% | $235,000 | 16.7% |
| Click n' Close, Inc. | 15 | 6.500% | $215,000 | 0.0% |
| NETWORK FUNDING, L.P. | 14 | 6.625% | $240,000 | 5.6% |
| Emporium TPO LLC | 14 | 7.625% | $155,000 | 14.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.125% | $280,000 | 21.1% |
| GARDNER FINANCIAL SERVICES, LTD. | 13 | 6.250% | $215,000 | 0.0% |
| Zippy Loans, LLC | 13 | 10.650% | $25,000 | 27.8% |
| LIMA ONE CAPITAL, LLC | 13 | 10.150% | $165,000 | 0.0% |
| Trinity Oaks Mortgage, LLC | 13 | 6.625% | $595,000 | 7.1% |
| Easy Street Capital, LLC | 13 | 9.900% | $165,000 | 0.0% |
| JNC MORTGAGE COMPANY, INC. | 13 | 4.990% | $295,000 | 0.0% |
| Kiavi Funding, Inc. | 12 | 10.050% | $185,000 | 23.5% |
| Flagstar Bank, N.A. | 12 | 6.250% | $360,000 | 45.8% |
| UNION HOME MORTGAGE CORP. | 12 | 6.120% | $295,000 | 25.0% |
| Hometown Equity Mortgage, LLC | 12 | 7.375% | $140,000 | 33.3% |
| VeraBank, National Association | 11 | 7.850% | $185,000 | 7.7% |
| 254900K39SBWA2QOUF69 | 11 | 6.375% | $295,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.500% | $175,000 | 0.0% |
| GoPrime Mortgage, Inc. | 11 | 6.125% | $265,000 | 8.3% |
| FIGURE LENDING LLC | 10 | 12.525% | $50,000 | 54.6% |
| INTERLINC MORTGAGE SERVICES, LLC | 10 | 5.120% | $455,000 | 23.1% |
| EVERETT FINANCIAL, INC. | 10 | 6.375% | $260,000 | 16.7% |
| OCMBC, INC. | 10 | 6.875% | $185,000 | 15.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.688% | $275,000 | 9.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 64.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 5493004T38NMC864VL66 | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 88.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Heritage Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of McGregor | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 76.5% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 15.4% |
| CREDIT UNION OF TEXAS | 6 | Under 10 loans | Under 10 loans | 47.1% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| HOMETRUST MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| SFMC, LP | 6 | Under 10 loans | Under 10 loans | 12.5% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SENTE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Grandview Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| International Bank of Commerce | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SOUTHWEST FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Classic Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 37.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthStar Bank, S.S.B. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Amplify | 4 | Under 10 loans | Under 10 loans | 42.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Central Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CREDENCE FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 3 | 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 250 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bell County
62 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First National Bank Texas | 18 | $1.2 billion |
| Extraco Banks, National Association | 7 | $955.5 million |
| The Huntington National Bank | 7 | $564.1 million |
| PNC Bank, National Association | 5 | $351.8 million |
| VeraBank, National Association | 4 | $190.0 million |
| First Texas Bank | 3 | $273.1 million |
| Horizon Bank, SSB | 3 | $226.3 million |
| Bank of America, National Association | 2 | $391.7 million |
| JPMorgan Chase Bank, National Association | 2 | $344.2 million |
| Security Bank of Texas | 2 | $47.8 million |
| Central National Bank | 1 | $336.8 million |
| Wells Fargo Bank, National Association | 1 | $190.2 million |
| Alliance Bank Central Texas | 1 | $160.9 million |
| First United Bank and Trust Company | 1 | $79.3 million |
| The Buckholts State Bank | 1 | $41.2 million |
| SouthStar Bank, S.S.B. | 1 | $20.8 million |
| Grandview Bank | 1 | $11.2 million |
| Citizens National Bank | 1 | $6.9 million |
| The First National Bank of Moody | 1 | $2.9 million |
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 206 S Dalton St, Bartlett
- Cadence Bank, 2855 N Main St, Belton
- Cadence Bank, 402 N Main St, Temple
- Cadence Bank, 405 N Highway 95, Little River Academy
- Cadence Bank, 4103 E Central Texas Expy, Killeen
- Cadence Bank, 50 S Main St, Salado
- Cadence Bank, 7285 W Adams Ave, Temple
Get told when this changes
When the next year’s lending figures are out for Bell 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.