Mortgage lenders in Ellis County
6,165 mortgages were made in Ellis County, Texas, in 2025, by 484 lenders. The median rate their borrowers got was 6.375% on a median loan of $335,000. Of 8,386 decisions, 1,836 were denials — 21.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 430 | 6.248% | $375,000 | 11.1% |
| Rocket Mortgage, LLC | 377 | 6.750% | $265,000 | 22.3% |
| DHI MORTGAGE COMPANY, LTD. | 276 | 3.990% | $295,000 | 17.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 214 | 6.413% | $425,000 | 1.8% |
| SFMC, LP | 166 | 5.625% | $425,000 | 1.5% |
| LENNAR MORTGAGE, LLC | 146 | 4.250% | $225,000 | 26.9% |
| Gateway First Bank | 143 | 6.625% | $315,000 | 4.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 136 | 5.933% | $440,000 | 9.6% |
| FREEDOM MORTGAGE CORPORATION | 122 | 5.990% | $425,000 | 9.0% |
| GUILD MORTGAGE COMPANY | 118 | 6.500% | $275,000 | 10.1% |
| Trinity Oaks Mortgage, LLC | 110 | 6.250% | $465,000 | 5.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 108 | 6.500% | $345,000 | 0.9% |
| CMG MORTGAGE, INC. | 102 | 6.000% | $450,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 100 | 6.625% | $405,000 | 11.4% |
| PENNYMAC LOAN SERVICES, LLC | 93 | 6.124% | $385,000 | 17.8% |
| NEWREZ LLC | 87 | 5.750% | $385,000 | 26.9% |
| Loandepot.Com, LLC | 85 | 6.375% | $305,000 | 26.3% |
| 2549004YKXDDHUWUOH37 | 80 | 5.375% | $405,000 | 0.0% |
| Frost Bank | 77 | 7.660% | $125,000 | 49.4% |
| JPMorgan Chase Bank, National Association | 75 | 6.375% | $295,000 | 10.7% |
| LOWER, LLC | 72 | 6.062% | $490,000 | 5.1% |
| Navy Federal Credit Union | 70 | 6.875% | $250,000 | 41.9% |
| EVERETT FINANCIAL, INC. | 67 | 6.500% | $335,000 | 5.6% |
| Mortgage Research Center, LLC | 66 | 6.125% | $425,000 | 32.4% |
| KIND LENDING, LLC | 63 | 6.625% | $375,000 | 23.8% |
| CORNERSTONE CAPITAL BANK, SSB | 61 | 6.625% | $525,000 | 1.6% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 61 | 5.750% | $415,000 | 0.0% |
| CREDIT UNION OF TEXAS | 60 | 7.800% | $75,000 | 35.1% |
| First Financial Bank | 56 | 6.900% | $225,000 | 29.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 54 | 6.750% | $350,000 | 11.5% |
| Bank of America, National Association | 47 | 6.250% | $115,000 | 54.8% |
| CLM MORTGAGE, INC. | 46 | 5.375% | $435,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 45 | 6.750% | $245,000 | 9.4% |
| M/I FINANCIAL, LLC | 45 | 4.875% | $365,000 | 5.8% |
| Broker Solutions, Inc. | 42 | 6.625% | $325,000 | 17.0% |
| INSPIRE HOME LOANS INC. | 42 | 5.250% | $350,000 | 6.4% |
| PLANET HOME LENDING, LLC | 42 | 5.875% | $385,000 | 4.6% |
| Citizens National Bank of Texas | 40 | Not published | $180,000 | 22.6% |
| 254900YZ174H294JW398 | 38 | 5.813% | $405,000 | 2.3% |
| U.S. Bank National Association | 37 | 5.990% | $455,000 | 32.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 37 | 6.125% | $425,000 | 5.0% |
| PNC Bank, National Association | 35 | 7.740% | $135,000 | 52.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 35 | 6.500% | $315,000 | 5.4% |
| UNION HOME MORTGAGE CORP. | 34 | 5.558% | $350,000 | 15.0% |
| REPUBLIC STATE MORTGAGE CO. | 34 | 5.990% | $335,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 33 | 6.250% | $385,000 | 5.7% |
| PARKSTONE MORTGAGE, LLC | 31 | 6.125% | $505,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 31 | 6.750% | $355,000 | 26.2% |
| GUARANTEED RATE, INC. | 30 | 6.238% | $380,000 | 6.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.000% | $255,000 | 15.6% |
| 21st Mortgage Corporation | 26 | 9.665% | $130,000 | 78.6% |
| Wells Fargo Bank, National Association | 26 | 6.563% | $220,000 | 29.0% |
| PULTE MORTGAGE LLC | 26 | 5.125% | $420,000 | 21.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 26 | 6.500% | $370,000 | 16.1% |
| TEXAS TRUST | 26 | Not published | $145,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 25 | 6.500% | $285,000 | 12.1% |
| EECU | 24 | 7.063% | $130,000 | 35.1% |
| TexasBank | 24 | 7.250% | $270,000 | 0.0% |
| SPRING EQ, LLC | 22 | 10.788% | $80,000 | 67.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 21 | 5.990% | $425,000 | 5.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 21 | 10.720% | $115,000 | 4.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 21 | 6.625% | $295,000 | 0.0% |
| NEIGHBORHOOD | 21 | 6.640% | $75,000 | 8.7% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 6.188% | $445,000 | 61.2% |
| Ennis State Bank | 20 | Not published | $145,000 | 44.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 20 | 7.750% | $410,000 | 0.0% |
| American National Bank & Trust | 20 | 6.438% | $330,000 | 0.0% |
| THE LOAN STORE, INC. | 18 | 6.813% | $410,000 | 21.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 10.750% | $85,000 | 79.1% |
| AmeriSave Mortgage Corporation | 17 | 7.625% | $155,000 | 73.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 17 | 7.000% | $95,000 | 8.0% |
| NETWORK FUNDING, L.P. | 17 | 7.000% | $235,000 | 20.0% |
| Lendage, LLC | 17 | 11.750% | $65,000 | 13.6% |
| SOUTHWEST FUNDING, LP | 17 | 6.625% | $355,000 | 5.6% |
| Equity Prime Mortgage LLC | 16 | 6.625% | $515,000 | 15.0% |
| THE MORTGAGE LINK, INC. | 16 | 6.370% | $365,000 | 5.6% |
| Prosperity Bank | 15 | 7.125% | $265,000 | 31.8% |
| OCMBC, INC. | 15 | 7.499% | $375,000 | 18.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.500% | $455,000 | 11.8% |
| Click n' Close, Inc. | 14 | 7.000% | $310,000 | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 14 | 7.375% | $130,000 | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 14.250% | $285,000 | 0.0% |
| NexBank | 14 | 6.375% | $445,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.600% | $125,000 | 43.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.750% | $275,000 | 58.5% |
| FIGURE LENDING LLC | 13 | 11.550% | $65,000 | 51.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.875% | $185,000 | 18.8% |
| SWBC MORTGAGE CORPORATION | 13 | 6.875% | $385,000 | 7.1% |
| PRIORITY HOME MORTGAGE, L.P. | 13 | 5.500% | $485,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.500% | $375,000 | 0.0% |
| Centennial Bank | 12 | 6.813% | $425,000 | 29.4% |
| SouthState Bank, National Association | 12 | 5.875% | $385,000 | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.063% | $485,000 | 15.8% |
| ROYAL UNITED MORTGAGE LLC | 12 | 6.938% | $125,000 | 29.4% |
| Cornerstone First Mortgage, Inc | 12 | 7.058% | $395,000 | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 12 | 6.187% | $415,000 | 7.7% |
| First Bank | 12 | 6.938% | $335,000 | 0.0% |
| OAKTREE FUNDING CORP. | 12 | 6.750% | $225,000 | 0.0% |
| BOKF, National Association | 11 | 7.500% | $225,000 | 36.8% |
| Plains Commerce Bank | 11 | 6.500% | $335,000 | 0.0% |
| InterBank | 11 | 7.750% | $255,000 | 26.7% |
| Harmony Bank | 11 | Not published | $305,000 | 14.3% |
| RIGHT START MORTGAGE, INC. | 11 | 6.490% | $515,000 | 8.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 6.438% | $310,000 | 0.0% |
| The American National Bank of Texas | 10 | 6.438% | $450,000 | 33.3% |
| PHH Mortgage Corporation | 10 | 6.490% | $355,000 | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 10 | 6.063% | $375,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.475% | $365,000 | 0.0% |
| HIGHLAND HOMELOANS, LLC | 10 | 5.250% | $420,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.250% | $390,000 | 0.0% |
| First Option Mortgage, LLC | 10 | 6.438% | $315,000 | 0.0% |
| Synergy One Lending, Inc. | 10 | 6.250% | $355,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Zions Bancorporation, N.A. | 9 | Under 10 loans | Under 10 loans | 36.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| City Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 23.5% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 52.9% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 11.1% |
| TEXAS MORTGAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| First United Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| Liberty | 8 | Under 10 loans | Under 10 loans | 11.1% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LIBERTYONE Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 84.4% |
| UNITED BUILT HOMES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 40.0% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 31.3% |
| Cadence Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 71.4% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 6 | Under 10 loans | Under 10 loans | 14.3% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 20.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BELEM SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FORT WORTH COMMUNITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust of Texas | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INTOUCH CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 14.3% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JET HOMELOANS, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CERTIFIED FUNDING, L.P. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RPE Home, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 68.8% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 70.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 57.1% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 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 284 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ellis County
37 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Citizens National Bank of Texas | 6 | $1.5 billion |
| Prosperity Bank | 3 | $389.8 million |
| Wells Fargo Bank, National Association | 3 | $372.8 million |
| InterBank | 3 | $274.7 million |
| Harmony Bank | 3 | $143.3 million |
| First National Bank Texas | 3 | $29.4 million |
| First Financial Bank | 2 | $310.9 million |
| Trinity Capital Bank of Texas | 2 | $239.3 million |
| JPMorgan Chase Bank, National Association | 2 | $236.1 million |
| PNC Bank, National Association | 2 | $124.8 million |
| Commercial State Bank | 2 | $95.6 million |
| Community National Bank & Trust of Texas | 2 | $83.9 million |
| Bank of America, National Association | 2 | $20.2 million |
| The Cowboy Bank of Texas | 1 | $88.1 million |
| Pinnacle Bank | 1 | $38.4 million |
Get told when this changes
When the next year’s lending figures are out for Ellis County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.