Mortgage lenders in Johnson County
5,371 mortgages were made in Johnson County, Texas, in 2025, by 425 lenders. The median rate their borrowers got was 6.375% on a median loan of $295,000. Of 7,316 decisions, 1,606 were denials — 22.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 380 | 6.125% | $335,000 | 11.9% |
| Rocket Mortgage, LLC | 322 | 6.500% | $265,000 | 20.7% |
| DHI MORTGAGE COMPANY, LTD. | 292 | 4.500% | $285,000 | 24.4% |
| SFMC, LP | 229 | 5.750% | $355,000 | 2.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 151 | 6.450% | $415,000 | 3.2% |
| Fairway Independent Mortgage Corporation | 143 | 6.625% | $325,000 | 7.7% |
| Loandepot.Com, LLC | 138 | 5.990% | $295,000 | 35.5% |
| GUILD MORTGAGE COMPANY | 119 | 6.500% | $275,000 | 5.3% |
| CMG MORTGAGE, INC. | 109 | 6.125% | $345,000 | 5.3% |
| First Financial Bank | 101 | 6.900% | $205,000 | 18.5% |
| FREEDOM MORTGAGE CORPORATION | 86 | 5.938% | $385,000 | 11.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 5.875% | $385,000 | 6.8% |
| Mortgage Research Center, LLC | 80 | 6.188% | $330,000 | 17.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 80 | 6.562% | $335,000 | 1.2% |
| EECU | 78 | 7.250% | $105,000 | 40.0% |
| LENNAR MORTGAGE, LLC | 77 | 4.250% | $235,000 | 17.9% |
| LOWER, LLC | 66 | 6.125% | $415,000 | 8.2% |
| 21st Mortgage Corporation | 65 | 10.000% | $145,000 | 71.0% |
| PENNYMAC LOAN SERVICES, LLC | 65 | 6.250% | $285,000 | 22.1% |
| Broker Solutions, Inc. | 65 | 6.625% | $245,000 | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 62 | 6.563% | $265,000 | 4.6% |
| Gateway First Bank | 58 | 6.438% | $265,000 | 9.2% |
| Paramount Residential Mortgage Group, Inc. | 54 | 6.438% | $320,000 | 1.8% |
| Frost Bank | 53 | 7.450% | $95,000 | 43.6% |
| REPUBLIC STATE MORTGAGE CO. | 52 | 5.495% | $335,000 | 0.0% |
| Navy Federal Credit Union | 51 | 6.375% | $275,000 | 41.4% |
| JPMorgan Chase Bank, National Association | 51 | 6.500% | $235,000 | 7.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 50 | 6.125% | $320,000 | 2.0% |
| Grandview Bank | 46 | Not published | $130,000 | 7.6% |
| FORT WORTH COMMUNITY CREDIT UNION | 43 | 7.500% | $95,000 | 2.3% |
| NATIONSTAR MORTGAGE LLC | 42 | 6.933% | $255,000 | 20.0% |
| PLANET HOME LENDING, LLC | 41 | 5.750% | $375,000 | 14.3% |
| JET HOMELOANS, LP | 40 | 5.563% | $550,000 | 2.3% |
| 2549004YKXDDHUWUOH37 | 40 | 4.990% | $305,000 | 0.0% |
| NEWREZ LLC | 39 | 6.250% | $315,000 | 37.1% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD. | 38 | 5.750% | $315,000 | 0.0% |
| Trinity Oaks Mortgage, LLC | 37 | 5.990% | $385,000 | 7.5% |
| EVERETT FINANCIAL, INC. | 35 | 6.750% | $245,000 | 7.9% |
| KIND LENDING, LLC | 34 | 6.500% | $345,000 | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 34 | 6.750% | $260,000 | 7.7% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 32 | 6.563% | $275,000 | 8.6% |
| TexasBank | 32 | 7.250% | $270,000 | 2.9% |
| Pinnacle Bank | 32 | Not published | $185,000 | 5.9% |
| PNC Bank, National Association | 30 | 6.933% | $105,000 | 30.4% |
| GUARANTEED RATE, INC. | 29 | 6.250% | $285,000 | 9.4% |
| Bank of America, National Association | 28 | 6.240% | $110,000 | 64.1% |
| First United Bank and Trust Company | 28 | 6.813% | $335,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 9.190% | $125,000 | 43.1% |
| Wells Fargo Bank, National Association | 26 | 6.500% | $200,000 | 25.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 9.870% | $110,000 | 72.6% |
| PARKSTONE MORTGAGE, LLC | 22 | 6.188% | $450,000 | 0.0% |
| CLM MORTGAGE, INC. | 22 | 5.563% | $445,000 | 4.0% |
| NexBank | 22 | 6.625% | $290,000 | 4.4% |
| MORTGAGE FINANCIAL SERVICES, LLC | 21 | 6.500% | $295,000 | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 19 | 7.750% | $325,000 | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 19 | 6.490% | $335,000 | 9.5% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.250% | $355,000 | 0.0% |
| SPRING EQ, LLC | 18 | 9.463% | $85,000 | 57.7% |
| Equity Prime Mortgage LLC | 18 | 6.625% | $300,000 | 10.0% |
| EFINITY FINANCIAL INC. | 17 | 6.500% | $315,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.313% | $330,000 | 67.1% |
| Centennial Bank | 16 | 6.688% | $460,000 | 20.0% |
| UNION HOME MORTGAGE CORP. | 16 | 5.808% | $345,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.750% | $455,000 | 4.4% |
| Plains Commerce Bank | 15 | 6.500% | $335,000 | 16.7% |
| SECURITYNATIONAL MORTGAGE COMPANY | 15 | 7.000% | $275,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 15 | 6.250% | $275,000 | 11.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 9.660% | $175,000 | 16.7% |
| American Mortgage Bank, LLC | 15 | 6.250% | $215,000 | 0.0% |
| Citizens National Bank of Texas | 15 | Not published | $335,000 | 0.0% |
| Susser Bank | 15 | 7.125% | $225,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.188% | $350,000 | 6.3% |
| Lendage, LLC | 14 | 10.500% | $60,000 | 6.3% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 13 | 7.000% | $95,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 13 | 6.625% | $285,000 | 18.8% |
| NFM, INC. | 13 | 6.750% | $345,000 | 0.0% |
| AMWEST FUNDING CORP. | 13 | 6.625% | $325,000 | 6.7% |
| FORT WORTH CITY CREDIT UNION | 12 | 6.800% | $90,000 | 36.8% |
| BOKF, National Association | 12 | 6.938% | $330,000 | 33.3% |
| American National Bank & Trust | 12 | 6.563% | $345,000 | 11.8% |
| The American National Bank of Texas | 12 | 6.438% | $365,000 | 14.3% |
| City Bank | 12 | 6.375% | $370,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 12 | 6.750% | $305,000 | 7.7% |
| GARDNER FINANCIAL SERVICES, LTD. | 12 | 6.563% | $415,000 | 0.0% |
| INSPIRE HOME LOANS INC. | 12 | 6.000% | $255,000 | 0.0% |
| NETWORK FUNDING, L.P. | 11 | 6.375% | $205,000 | 25.0% |
| U.S. Bank National Association | 10 | 6.563% | $365,000 | 42.1% |
| BETTER MORTGAGE CORPORATION | 10 | 6.313% | $375,000 | 16.7% |
| Southside Bank | 10 | 6.688% | $335,000 | 33.3% |
| THE LOAN STORE, INC. | 10 | 7.125% | $330,000 | 8.3% |
| Kiavi Funding, Inc. | 10 | 9.500% | $185,000 | 9.1% |
| Sierra Pacific Mortgage Company, Inc. | 10 | 5.990% | $400,000 | 0.0% |
| TEXAS TRUST | 10 | Not published | $70,000 | 8.3% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.313% | $360,000 | 23.1% |
| Synergy One Lending, Inc. | 10 | 6.563% | $410,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 73.0% |
| CREDIT UNION OF TEXAS | 9 | Under 10 loans | Under 10 loans | 54.6% |
| UNITED BUILT HOMES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 17.7% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| RIGHT START MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| US MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 42.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 68.6% |
| SOUTHWEST STAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 8.7% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 40.0% |
| American Airlines Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 35.7% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Simmons Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Regions Bank | 7 | Under 10 loans | Under 10 loans | 52.6% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| THE MORTGAGE LINK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| PULTE MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Orchard Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Granbury | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLAND HOMELOANS, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 68.0% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 70.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 41.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 549300MG89EBZCEXXT24 | 5 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust of Texas | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOANPEOPLE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ciera Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Texas Regional Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 77.8% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Comerica Bank | 3 | Under 10 loans | Under 10 loans | 62.5% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Amarillo National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 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 225 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Johnson County
35 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Pinnacle Bank | 6 | $480.2 million |
| First Financial Bank | 5 | $582.6 million |
| Wells Fargo Bank, National Association | 4 | $550.6 million |
| Grandview Bank | 4 | $549.5 million |
| SouthState Bank, National Association | 2 | $188.5 million |
| Citizens National Bank of Texas | 2 | $71.9 million |
| JPMorgan Chase Bank, National Association | 1 | $157.3 million |
| NBT Financial Bank | 1 | $116.5 million |
| The American National Bank of Texas | 1 | $93.3 million |
| Austin County State Bank | 1 | $61.4 million |
| Simmons Bank | 1 | $57.2 million |
| Ciera Bank | 1 | $55.9 million |
| The First National Bank of Granbury | 1 | $41.4 million |
| PNC Bank, National Association | 1 | $40.0 million |
| Southside Bank | 1 | $36.6 million |
| First National Bank of Burleson | 1 | $21.5 million |
| First National Bank Texas | 1 | $8.8 million |
| Woodforest National Bank | 1 | $6.9 million |
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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.