Home purchase lenders in Hays County
5,303 home purchase mortgages were made in Hays County, Texas, in 2025, by 400 lenders. The median rate their borrowers got was 5.875% on a median loan of $315,000. Of 6,470 decisions, 943 were denials — 14.6%, 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% |
| CMG MORTGAGE, INC. | 320 | 5.990% | $315,000 | 1.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 280 | 6.500% | $330,000 | 6.6% |
| VELOCIO MORTGAGE L.L.C. | 225 | 3.990% | $335,000 | 2.6% |
| Loandepot.Com, LLC | 166 | 4.990% | $330,000 | 27.4% |
| PULTE MORTGAGE LLC | 128 | 5.250% | $335,000 | 18.4% |
| Rocket Mortgage, LLC | 110 | 6.375% | $330,000 | 11.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 94 | 5.990% | $510,000 | 5.4% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 94 | 5.500% | $395,000 | 0.0% |
| HOME FINANCING UNLIMITED, INC. | 93 | 5.250% | $315,000 | 7.9% |
| PRIORITY HOME MORTGAGE, L.P. | 67 | 5.490% | $465,000 | 1.5% |
| CORNERSTONE CAPITAL BANK, SSB | 66 | 6.102% | $420,000 | 2.9% |
| Fairway Independent Mortgage Corporation | 62 | 6.750% | $375,000 | 4.6% |
| M/I FINANCIAL, LLC | 57 | 5.625% | $405,000 | 1.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 56 | 6.495% | $345,000 | 0.0% |
| UNIVERSITY Federal Credit Union | 53 | 6.500% | $305,000 | 1.8% |
| Taylor Morrison Home Funding, Inc. | 53 | 5.500% | $435,000 | 5.4% |
| SFMC, LP | 52 | 4.990% | $345,000 | 3.4% |
| JPMorgan Chase Bank, National Association | 51 | 6.490% | $325,000 | 1.9% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 49 | 6.625% | $295,000 | 13.4% |
| PARKSTONE MORTGAGE, LLC | 49 | 5.490% | $475,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 49 | 6.250% | $295,000 | 1.8% |
| TRIAD FINANCIAL SERVICES, INC. | 44 | 8.490% | $100,000 | 47.5% |
| JET HOMELOANS, LP | 44 | 5.990% | $535,000 | 4.3% |
| Mortgage Research Center, LLC | 43 | 6.250% | $365,000 | 8.5% |
| KIND LENDING, LLC | 42 | 6.625% | $360,000 | 22.2% |
| CLM MORTGAGE, INC. | 40 | 5.250% | $460,000 | 0.0% |
| LOANPEOPLE, LLC | 38 | 6.433% | $360,000 | 0.0% |
| 254900YZ174H294JW398 | 38 | 5.938% | $430,000 | 0.0% |
| NFM, INC. | 38 | 4.990% | $325,000 | 0.0% |
| NETWORK FUNDING, L.P. | 37 | 6.375% | $325,000 | 7.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.875% | $355,000 | 2.6% |
| Broker Solutions, Inc. | 35 | 6.500% | $285,000 | 2.8% |
| First United Bank and Trust Company | 35 | 6.500% | $465,000 | 2.8% |
| ZILLOW HOME LOANS, LLC | 34 | 6.500% | $295,000 | 8.1% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 34 | 4.990% | $435,000 | 0.0% |
| NEWREZ LLC | 29 | 6.125% | $315,000 | 8.8% |
| PLAZA HOME MORTGAGE, INC. | 28 | 6.250% | $315,000 | 26.3% |
| Paramount Residential Mortgage Group, Inc. | 27 | 6.250% | $305,000 | 0.0% |
| First Financial Bank | 27 | 6.750% | $355,000 | 0.0% |
| UNIVERSAL LENDING CORPORATION | 26 | 5.183% | $350,000 | 7.1% |
| THE LOAN STORE, INC. | 25 | 6.375% | $325,000 | 0.0% |
| PILGRIM MORTGAGE LLC | 24 | 6.495% | $325,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 23 | 6.625% | $315,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 6.500% | $290,000 | 31.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 22 | 6.624% | $475,000 | 4.4% |
| Navy Federal Credit Union | 21 | 6.250% | $375,000 | 8.7% |
| Cadence Bank | 21 | 6.250% | $345,000 | 8.7% |
| 21st Mortgage Corporation | 20 | 9.700% | $115,000 | 81.5% |
| Plains Commerce Bank | 20 | 6.500% | $385,000 | 4.8% |
| Frost Bank | 20 | 5.750% | $270,000 | 18.5% |
| Primis Mortgage Company | 19 | 6.625% | $295,000 | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 18 | 6.433% | $380,000 | 5.0% |
| City Bank | 18 | 6.750% | $565,000 | 0.0% |
| STG MORTGAGE INC | 17 | 6.500% | $305,000 | 14.3% |
| INSPIRE HOME LOANS INC. | 17 | 4.875% | $275,000 | 10.0% |
| U.S. Bank National Association | 17 | 6.375% | $675,000 | 0.0% |
| Bank of America, National Association | 16 | 5.933% | $300,000 | 38.5% |
| 254900K39SBWA2QOUF69 | 16 | 6.375% | $345,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 14 | 5.933% | $325,000 | 17.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.375% | $455,000 | 6.3% |
| UNION HOME MORTGAGE CORP. | 14 | 6.563% | $320,000 | 5.9% |
| USAA Federal Savings Bank | 13 | 6.125% | $385,000 | 45.8% |
| HIGHLAND HOMELOANS, LLC | 13 | 4.990% | $455,000 | 12.5% |
| GARDNER FINANCIAL SERVICES, LTD. | 13 | 6.500% | $335,000 | 0.0% |
| DIRECTIONS EQUITY, LLC | 13 | 6.250% | $315,000 | 0.0% |
| PFN Lending Group, Inc. | 13 | 6.490% | $295,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 6.563% | $285,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 12 | 6.813% | $510,000 | 21.1% |
| REPUBLIC STATE MORTGAGE CO. | 12 | 5.750% | $385,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 11 | 6.250% | $415,000 | 15.4% |
| VeraBank, National Association | 11 | 7.375% | $265,000 | 15.4% |
| CHAMPIONS FUNDING, LLC | 11 | 8.250% | $455,000 | 8.3% |
| NexBank | 11 | 6.500% | $775,000 | 14.3% |
| Florida Capital Bank, National Association | 11 | 6.375% | $355,000 | 0.0% |
| LOWER, LLC | 11 | 6.250% | $355,000 | 15.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 11 | 6.500% | $425,000 | 0.0% |
| SOUTHERN LENDING SERVICES, LTD. | 11 | 5.990% | $455,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.625% | $315,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 10 | 7.300% | $205,000 | 25.0% |
| GUARANTEED RATE, INC. | 10 | 6.588% | $380,000 | 0.0% |
| Click n' Close, Inc. | 10 | 6.500% | $320,000 | 16.7% |
| SouthStar Bank, S.S.B. | 10 | Not published | $390,000 | 9.1% |
| Flagstar Bank, N.A. | 10 | 6.296% | $280,000 | 23.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 9 | Under 10 loans | Under 10 loans | 82.5% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 16.7% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Sonora | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GEO-CORP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ENCOMPASS LENDING GROUP, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEAMERICAN MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Texas Regional Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Prosperity Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 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% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Broadway National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| HOMETRUST MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CERTIFIED FUNDING, L.P. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| TEXAS MORTGAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Security State Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 5 | Under 10 loans | Under 10 loans | 28.6% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Assurance Financial Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EFINITY FINANCIAL INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Home Mortgage Alliance Corporation (HMAC) | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Centennial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Bastrop | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A+ Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITOL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armstrong Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RB MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUWEST Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zions Bancorporation, N.A. | 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 | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAXY L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Susser Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 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 200 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.