Refinancing lenders in Fort Bend County
1,845 refinancing mortgages were made in Fort Bend County, Texas, in 2025, by 314 lenders. The median rate their borrowers got was 6.125% on a median loan of $355,000. Of 2,910 decisions, 872 were denials — 30.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 605 | 6.000% | $415,000 | 14.4% |
| Rocket Mortgage, LLC | 176 | 5.875% | $335,000 | 33.2% |
| FREEDOM MORTGAGE CORPORATION | 67 | 6.250% | $385,000 | 10.9% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 5.813% | $360,000 | 14.8% |
| Bank of America, National Association | 45 | 5.990% | $185,000 | 44.1% |
| JPMorgan Chase Bank, National Association | 39 | 6.125% | $335,000 | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 29 | 6.250% | $375,000 | 72.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 29 | 5.750% | $345,000 | 13.3% |
| Frost Bank | 26 | 6.895% | $190,000 | 39.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 23 | 5.625% | $375,000 | 6.5% |
| ROYAL UNITED MORTGAGE LLC | 23 | 6.875% | $135,000 | 20.7% |
| NEWREZ LLC | 20 | 6.120% | $450,000 | 46.3% |
| PLANET HOME LENDING, LLC | 20 | 5.990% | $375,000 | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.100% | $410,000 | 12.0% |
| Zions Bancorporation, N.A. | 18 | 7.800% | $200,000 | 42.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 15 | 6.500% | $315,000 | 27.3% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.063% | $135,000 | 22.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 5.625% | $475,000 | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.125% | $195,000 | 27.8% |
| PNC Bank, National Association | 12 | 7.865% | $175,000 | 59.4% |
| Loandepot.Com, LLC | 12 | 5.990% | $350,000 | 53.6% |
| Regions Bank | 11 | 4.990% | $245,000 | 65.0% |
| NATIONSTAR MORTGAGE LLC | 11 | 5.990% | $345,000 | 15.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.000% | $405,000 | 0.0% |
| AML FUNDING LLC | 11 | 6.625% | $255,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 5.875% | $380,000 | 71.4% |
| Comerica Bank | 10 | 5.990% | $200,000 | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 7.1% |
| MidFirst Bank | 9 | Under 10 loans | Under 10 loans | 59.1% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 7.1% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 43.8% |
| PRIMEWAY FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 15.4% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| BOKF, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 36.4% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 7.1% |
| JSC Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Cadence Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 53.3% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BRAZOS VALLEY SCHOOLS | 5 | Under 10 loans | Under 10 loans | 35.7% |
| SOUTH RIVER MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 77.8% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Bank | 4 | Under 10 loans | Under 10 loans | 16.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 12.5% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 55.6% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EMET LENDING GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| East West Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sunflower Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 81.8% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 66.7% |
| NETWORK FUNDING, L.P. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NIZARI PROGRESSIVE FCU | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Amplify | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Houston Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SMART FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NewFirst National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Grundy Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 95.5% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FocusOne Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEXAS BAY | 1 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXANS | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stellar Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOANPEOPLE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank of Texas | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900L5MERNYAI3AH26 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southwestern National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA LENDING GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900YZ174H294JW398 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GRACE HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | 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 114 lenders each made 1 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.