Mortgage lenders in Cass County
444 mortgages were made in Cass County, Texas, in 2025, by 145 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 804 decisions, 293 were denials — 36.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 32 | Not published | $125,000 | 5.9% |
| Rocket Mortgage, LLC | 26 | 6.688% | $130,000 | 35.7% |
| The First National Bank of Hughes Springs | 23 | Not published | $115,000 | 0.0% |
| 21st Mortgage Corporation | 20 | 9.680% | $120,000 | 70.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 10.245% | $105,000 | 64.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 6.498% | $190,000 | 13.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 16 | 6.495% | $155,000 | 0.0% |
| The City National Bank of Sulphur Springs | 15 | 7.750% | $115,000 | 11.8% |
| TEXAR FEDERAL CREDIT UNION | 13 | 6.500% | $135,000 | 7.1% |
| EAST TEXAS PROFESSIONAL Credit Union | 12 | 6.875% | $105,000 | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 11 | 6.625% | $185,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 52.9% |
| State Bank of De Kalb | 9 | Under 10 loans | Under 10 loans | 23.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 7.1% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 57.1% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 80.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 58.3% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bodcaw Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 62.5% |
| PENNYMAC LOAN SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Cypress Bank, SSB | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Texas Heritage National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARKSDALE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED BUILT HOMES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 58.3% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Diamond Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank & Trust Company of Vivian, Louisiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, 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% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 62.5% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Frost Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIRSTTRUST HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BEACON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WAGGONER NATIONAL BANK OF VERNON, THE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF TEXAS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Austin Bank, Texas National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sterling Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Guaranty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lone Star Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | Not published |
| NETWORK FUNDING, L.P. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Alliance Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GENEVA FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ARC HOME LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| VeraBank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| TEXELL Credit Union | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| GARDNER FINANCIAL SERVICES, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMESTEAD FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| EECU | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMETRUST MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ANDREWS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FLORIDA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| ROGUE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 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.
Bank branches in Cass County
10 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The First National Bank of Hughes Springs | 3 | $109.0 million |
| The City National Bank of Sulphur Springs | 2 | $36.6 million |
| Texana Bank, National Association | 1 | $113.4 million |
| State Bank of De Kalb | 1 | $73.6 million |
| Regions Bank | 1 | $42.1 million |
| Community Bank | 1 | $7.9 million |
| Woodforest National Bank | 1 | $4.3 million |
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When the next year’s lending figures are out for Cass 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.