Mortgage lenders in Hays County
7,164 mortgages were made in Hays County, Texas, in 2025, by 487 lenders. The median rate their borrowers got was 6.125% on a median loan of $305,000. Of 9,470 decisions, 1,914 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 644 | 4.500% | $295,000 | 17.5% |
| LENNAR MORTGAGE, LLC | 419 | 4.750% | $245,000 | 25.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 416 | 6.322% | $360,000 | 9.2% |
| CMG MORTGAGE, INC. | 349 | 5.990% | $325,000 | 1.3% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 346 | 7.000% | $95,000 | 14.3% |
| Rocket Mortgage, LLC | 277 | 6.750% | $265,000 | 25.3% |
| VELOCIO MORTGAGE L.L.C. | 225 | 3.990% | $335,000 | 2.6% |
| Loandepot.Com, LLC | 197 | 5.125% | $315,000 | 29.4% |
| PULTE MORTGAGE LLC | 128 | 5.250% | $335,000 | 18.4% |
| Frost Bank | 113 | 7.350% | $155,000 | 37.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 100 | 5.990% | $505,000 | 5.1% |
| HOME FINANCING UNLIMITED, INC. | 95 | 5.375% | $315,000 | 7.8% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 94 | 5.500% | $395,000 | 0.0% |
| UNIVERSITY Federal Credit Union | 87 | 6.625% | $265,000 | 12.1% |
| Fairway Independent Mortgage Corporation | 80 | 6.625% | $375,000 | 7.0% |
| JPMorgan Chase Bank, National Association | 78 | 6.490% | $305,000 | 11.2% |
| PENNYMAC LOAN SERVICES, LLC | 71 | 6.375% | $275,000 | 29.0% |
| CORNERSTONE CAPITAL BANK, SSB | 69 | 6.080% | $415,000 | 2.8% |
| PRIORITY HOME MORTGAGE, L.P. | 67 | 5.490% | $465,000 | 1.5% |
| NEWREZ LLC | 63 | 6.490% | $315,000 | 27.0% |
| M/I FINANCIAL, LLC | 58 | 5.625% | $405,000 | 1.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 57 | 6.490% | $345,000 | 0.0% |
| A+ Federal Credit Union | 55 | 6.740% | $95,000 | 42.6% |
| Bank of America, National Association | 54 | 6.490% | $200,000 | 53.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 54 | 6.875% | $370,000 | 3.5% |
| SFMC, LP | 53 | 4.990% | $345,000 | 3.3% |
| Taylor Morrison Home Funding, Inc. | 53 | 5.500% | $435,000 | 5.4% |
| GUILD MORTGAGE COMPANY | 52 | 6.250% | $300,000 | 3.4% |
| FREEDOM MORTGAGE CORPORATION | 51 | 6.125% | $365,000 | 16.7% |
| PARKSTONE MORTGAGE, LLC | 49 | 5.490% | $475,000 | 0.0% |
| KIND LENDING, LLC | 48 | 6.625% | $365,000 | 27.3% |
| THE LOAN STORE, INC. | 48 | 6.625% | $285,000 | 5.6% |
| Mortgage Research Center, LLC | 46 | 6.188% | $365,000 | 35.2% |
| NATIONSTAR MORTGAGE LLC | 46 | 7.063% | $235,000 | 22.6% |
| LOANPEOPLE, LLC | 46 | 6.500% | $390,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 44 | 8.490% | $100,000 | 47.3% |
| JET HOMELOANS, LP | 44 | 5.990% | $535,000 | 4.3% |
| Broker Solutions, Inc. | 40 | 6.563% | $265,000 | 14.9% |
| NETWORK FUNDING, L.P. | 40 | 6.375% | $325,000 | 6.5% |
| CLM MORTGAGE, INC. | 40 | 5.250% | $460,000 | 0.0% |
| First United Bank and Trust Company | 38 | 6.625% | $455,000 | 9.5% |
| 254900YZ174H294JW398 | 38 | 5.938% | $430,000 | 0.0% |
| NFM, INC. | 38 | 4.990% | $325,000 | 0.0% |
| United Heritage Credit Union | 37 | 7.150% | $105,000 | 35.1% |
| PLAZA HOME MORTGAGE, INC. | 35 | 6.125% | $305,000 | 25.5% |
| ZILLOW HOME LOANS, LLC | 35 | 6.500% | $295,000 | 7.9% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 34 | 4.990% | $435,000 | 0.0% |
| First Financial Bank | 34 | 6.750% | $360,000 | 2.9% |
| Paramount Residential Mortgage Group, Inc. | 31 | 6.250% | $305,000 | 3.1% |
| Navy Federal Credit Union | 30 | 6.313% | $340,000 | 43.6% |
| MOVEMENT MORTGAGE, LLC | 30 | 6.563% | $315,000 | 2.7% |
| AUSTIN TELCO | 27 | 6.790% | $95,000 | 24.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 26 | 6.624% | $450,000 | 3.7% |
| UNIVERSAL LENDING CORPORATION | 26 | 5.183% | $350,000 | 7.1% |
| PILGRIM MORTGAGE LLC | 26 | 6.433% | $325,000 | 0.0% |
| Cadence Bank | 25 | 6.375% | $345,000 | 16.7% |
| Amplify | 25 | 7.500% | $165,000 | 10.7% |
| Primis Mortgage Company | 24 | 6.625% | $320,000 | 4.0% |
| Truist Bank | 23 | 5.990% | $175,000 | 57.4% |
| Wells Fargo Bank, National Association | 23 | 6.625% | $255,000 | 11.5% |
| LAKEVIEW LOAN SERVICING, LLC | 22 | 5.870% | $445,000 | 62.6% |
| PNC Bank, National Association | 22 | 7.683% | $180,000 | 46.5% |
| SPRING EQ, LLC | 21 | 9.099% | $85,000 | 64.5% |
| U.S. Bank National Association | 21 | 6.375% | $675,000 | 20.7% |
| 21st Mortgage Corporation | 20 | 9.700% | $115,000 | 82.3% |
| Broadway National Bank | 20 | Not published | $195,000 | 46.0% |
| Plains Commerce Bank | 20 | 6.500% | $385,000 | 4.8% |
| City Bank | 19 | 6.750% | $565,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 19 | 6.500% | $355,000 | 9.5% |
| UNION HOME MORTGAGE CORP. | 18 | 6.688% | $315,000 | 4.8% |
| INTERLINC MORTGAGE SERVICES, LLC | 18 | 6.433% | $380,000 | 5.0% |
| 254900K39SBWA2QOUF69 | 18 | 6.438% | $345,000 | 0.0% |
| STG MORTGAGE INC | 17 | 6.500% | $305,000 | 14.3% |
| INSPIRE HOME LOANS INC. | 17 | 4.875% | $275,000 | 10.0% |
| The First National Bank of Sonora | 17 | Not published | $305,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 16 | 6.688% | $255,000 | 22.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.375% | $445,000 | 10.5% |
| GUARANTEED RATE, INC. | 15 | 6.575% | $255,000 | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 14 | 6.933% | $260,000 | 31.8% |
| EVERETT FINANCIAL, INC. | 14 | 6.375% | $390,000 | 17.7% |
| CHAMPIONS FUNDING, LLC | 14 | 8.125% | $445,000 | 22.2% |
| GARDNER FINANCIAL SERVICES, LTD. | 14 | 6.500% | $330,000 | 0.0% |
| USAA Federal Savings Bank | 13 | 6.125% | $385,000 | 51.8% |
| LOWER, LLC | 13 | 6.375% | $355,000 | 23.5% |
| TEXAS MORTGAGE LENDING, LLC | 13 | 6.625% | $325,000 | 0.0% |
| NexBank | 13 | 6.500% | $315,000 | 17.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 13 | 5.875% | $435,000 | 12.5% |
| Flagstar Bank, N.A. | 13 | 6.341% | $275,000 | 23.5% |
| PFN Lending Group, Inc. | 13 | 6.490% | $295,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.625% | $275,000 | 0.0% |
| HIGHLAND HOMELOANS, LLC | 13 | 4.990% | $455,000 | 12.5% |
| DIRECTIONS EQUITY, LLC | 13 | 6.250% | $315,000 | 6.7% |
| SouthStar Bank, S.S.B. | 12 | Not published | $345,000 | 29.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 12 | 6.813% | $510,000 | 21.1% |
| REPUBLIC STATE MORTGAGE CO. | 12 | 5.750% | $385,000 | 0.0% |
| Florida Capital Bank, National Association | 12 | 6.375% | $355,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 12 | 6.375% | $435,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.940% | $245,000 | 21.4% |
| VELOCITY Credit Union | 11 | 6.250% | $115,000 | 45.5% |
| VeraBank, National Association | 11 | 7.375% | $265,000 | 15.4% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 6.250% | $215,000 | 8.3% |
| SOUTHERN LENDING SERVICES, LTD. | 11 | 5.990% | $455,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 11 | 6.375% | $345,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 10 | 7.300% | $205,000 | 25.0% |
| Click n' Close, Inc. | 10 | 6.500% | $320,000 | 16.7% |
| Zions Bancorporation, N.A. | 10 | 6.375% | $255,000 | 18.8% |
| SOUTHWEST FUNDING, LP | 10 | 6.875% | $295,000 | 15.4% |
| A&D Mortgage LLC | 10 | 6.625% | $450,000 | 9.1% |
| JMAC LENDING, INC. | 10 | 6.308% | $365,000 | 0.0% |
| Texas Regional Bank | 10 | 6.625% | $485,000 | 0.0% |
| GOVERNMENT EMPLOYEES | 10 | 5.375% | $65,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 82.5% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 62.1% |
| Prosperity Bank | 9 | Under 10 loans | Under 10 loans | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 44.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITOL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 7.7% |
| BOKF, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| TRUWEST Credit Union | 8 | Under 10 loans | Under 10 loans | 18.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 78.8% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 63.2% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| TexasBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GEO-CORP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 61.9% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Assurance Financial Group, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| International Bank of Commerce | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PANORAMA MORTGAGE GROUP, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Waterstone Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 30.0% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| CREDIT UNION OF TEXAS | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXUS SERIES B, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Security State Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 5 | Under 10 loans | Under 10 loans | 12.5% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Frontier Bank of Texas | 5 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 90.5% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Centennial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, 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% |
| AAXY L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | 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 287 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Hays County
46 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | $774.2 million |
| JPMorgan Chase Bank, National Association | 5 | $599.2 million |
| Frost Bank | 5 | $562.3 million |
| Broadway National Bank | 4 | $310.7 million |
| Ozona Bank | 4 | $164.7 million |
| Texas Regional Bank | 3 | $173.3 million |
| Bank of America, National Association | 2 | $186.6 million |
| Sunflower Bank, National Association | 2 | $145.8 million |
| First Lockhart Bank | 2 | $76.7 million |
| First National Bank Texas | 2 | $5.9 million |
| Sage Capital Bank, | 1 | $108.0 million |
| Rio Bank | 1 | $48.7 million |
| PNC Bank, National Association | 1 | $41.4 million |
| Prosperity Bank | 1 | $40.8 million |
| Schertz Bank & Trust | 1 | $37.6 million |
| The First National Bank of Sonora | 1 | $36.0 million |
| Security State Bank & Trust | 1 | $34.0 million |
| The Huntington National Bank | 1 | $28.6 million |
| TrustTexas Bank, SSB | 1 | $18.2 million |
| Falcon International Bank | 1 | $13.2 million |
| International Bank of Commerce | 1 | $9.2 million |
| Woodforest National Bank | 1 | $4.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Cadence Bank, 1115a Main St, Buda
Get told when this changes
When the next year’s lending figures are out for Hays 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.