Home purchase lenders in Ellis County
4,245 home purchase mortgages were made in Ellis County, Texas, in 2025, by 378 lenders. The median rate their borrowers got was 6.250% on a median loan of $365,000. Of 5,268 decisions, 798 were denials — 15.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 283 | 6.399% | $375,000 | 9.8% |
| DHI MORTGAGE COMPANY, LTD. | 276 | 3.990% | $295,000 | 17.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 194 | 6.413% | $445,000 | 0.5% |
| SFMC, LP | 162 | 5.625% | $425,000 | 1.0% |
| LENNAR MORTGAGE, LLC | 146 | 4.250% | $225,000 | 26.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 129 | 5.875% | $445,000 | 8.3% |
| Rocket Mortgage, LLC | 127 | 6.490% | $365,000 | 15.9% |
| Trinity Oaks Mortgage, LLC | 107 | 6.250% | $465,000 | 5.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 101 | 6.500% | $345,000 | 1.0% |
| GUILD MORTGAGE COMPANY | 94 | 6.375% | $295,000 | 6.5% |
| CMG MORTGAGE, INC. | 93 | 5.990% | $465,000 | 6.0% |
| Fairway Independent Mortgage Corporation | 92 | 6.625% | $405,000 | 7.1% |
| Gateway First Bank | 91 | 6.500% | $335,000 | 4.2% |
| 2549004YKXDDHUWUOH37 | 80 | 5.375% | $405,000 | 0.0% |
| LOWER, LLC | 64 | 5.990% | $495,000 | 5.7% |
| Mortgage Research Center, LLC | 61 | 6.125% | $425,000 | 11.1% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 61 | 5.750% | $415,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 60 | 6.625% | $530,000 | 1.6% |
| EVERETT FINANCIAL, INC. | 54 | 6.500% | $345,000 | 1.8% |
| KIND LENDING, LLC | 48 | 6.625% | $355,000 | 24.6% |
| NEWREZ LLC | 47 | 5.250% | $385,000 | 7.8% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 47 | 6.750% | $355,000 | 11.3% |
| CLM MORTGAGE, INC. | 46 | 5.375% | $435,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 45 | 6.490% | $345,000 | 8.2% |
| M/I FINANCIAL, LLC | 45 | 4.875% | $365,000 | 5.8% |
| Loandepot.Com, LLC | 42 | 6.125% | $315,000 | 28.8% |
| INSPIRE HOME LOANS INC. | 42 | 5.250% | $350,000 | 6.4% |
| FREEDOM MORTGAGE CORPORATION | 39 | 5.750% | $405,000 | 9.3% |
| 254900YZ174H294JW398 | 38 | 5.813% | $405,000 | 2.3% |
| U.S. Bank National Association | 37 | 5.990% | $455,000 | 22.5% |
| Broker Solutions, Inc. | 34 | 6.625% | $340,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 34 | 6.187% | $410,000 | 12.8% |
| REPUBLIC STATE MORTGAGE CO. | 34 | 5.990% | $335,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 33 | 5.490% | $345,000 | 13.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 33 | 6.500% | $335,000 | 5.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 31 | 6.125% | $395,000 | 5.9% |
| PARKSTONE MORTGAGE, LLC | 31 | 6.125% | $505,000 | 0.0% |
| Navy Federal Credit Union | 30 | 6.250% | $410,000 | 26.2% |
| Paramount Residential Mortgage Group, Inc. | 30 | 6.313% | $380,000 | 3.2% |
| 21st Mortgage Corporation | 26 | 9.665% | $130,000 | 78.1% |
| GUARANTEED RATE, INC. | 26 | 6.238% | $400,000 | 3.7% |
| PULTE MORTGAGE LLC | 26 | 5.125% | $420,000 | 21.2% |
| PLAZA HOME MORTGAGE, INC. | 26 | 6.688% | $365,000 | 23.5% |
| First Financial Bank | 23 | 6.700% | $275,000 | 17.9% |
| TexasBank | 20 | 7.188% | $280,000 | 0.0% |
| PLANET HOME LENDING, LLC | 19 | 5.990% | $365,000 | 0.0% |
| Citizens National Bank of Texas | 18 | Not published | $335,000 | 20.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 10.750% | $85,000 | 79.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 17 | 7.750% | $405,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 17 | 6.625% | $295,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.438% | $305,000 | 5.3% |
| THE LOAN STORE, INC. | 15 | 6.500% | $415,000 | 5.6% |
| SOUTHWEST FUNDING, LP | 15 | 6.625% | $345,000 | 0.0% |
| Click n' Close, Inc. | 14 | 7.000% | $310,000 | 33.3% |
| Equity Prime Mortgage LLC | 14 | 6.625% | $515,000 | 11.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 5.933% | $325,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.600% | $125,000 | 43.4% |
| THE MORTGAGE LINK, INC. | 13 | 6.490% | $345,000 | 6.7% |
| PRIORITY HOME MORTGAGE, L.P. | 13 | 5.500% | $485,000 | 0.0% |
| OCMBC, INC. | 13 | 7.625% | $335,000 | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.500% | $455,000 | 13.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.500% | $375,000 | 0.0% |
| Bank of America, National Association | 12 | 6.058% | $325,000 | 42.9% |
| SouthState Bank, National Association | 12 | 5.875% | $385,000 | 33.3% |
| SWBC MORTGAGE CORPORATION | 12 | 6.813% | $380,000 | 7.7% |
| MORTGAGE FINANCIAL SERVICES, LLC | 12 | 6.187% | $415,000 | 7.7% |
| American National Bank & Trust | 12 | 6.813% | $330,000 | 0.0% |
| NexBank | 12 | 6.375% | $445,000 | 0.0% |
| Centennial Bank | 11 | 6.875% | $365,000 | 31.3% |
| RIGHT START MORTGAGE, INC. | 11 | 6.490% | $515,000 | 8.3% |
| Wells Fargo Bank, National Association | 10 | 6.125% | $320,000 | 15.4% |
| HIGHLAND HOMELOANS, LLC | 10 | 5.250% | $420,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 10 | 6.250% | $390,000 | 0.0% |
| Harmony Bank | 10 | Not published | $310,000 | 8.3% |
| Synergy One Lending, Inc. | 10 | 6.250% | $355,000 | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 21.4% |
| SOUTHWEST STAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 23.5% |
| Ennis State Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 8 | Under 10 loans | Under 10 loans | 11.1% |
| V.I.P. MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED BUILT HOMES, L.L.C. | 7 | Under 10 loans | Under 10 loans | 40.0% |
| Prosperity Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CLEAREDGE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS TRUST | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| InterBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Frost Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| First United Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The American National Bank of Texas | 5 | Under 10 loans | Under 10 loans | 16.7% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EECU | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| JET HOMELOANS, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAS MORTGAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust of Texas | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cadence Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Texas Regional Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank Texas | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCIO MORTGAGE L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of DeSoto, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Southside Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANPEOPLE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECTIONS EQUITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Southwest Airlines Federal Credit Union | 2 | 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 178 lenders each made 2 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.