Mortgage lenders in Montgomery County
19,966 mortgages were made in Montgomery County, Texas, in 2025, by 678 lenders. The median rate their borrowers got was 6.370% on a median loan of $275,000. Of 28,084 decisions, 6,779 were denials — 24.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,290 | 6.366% | $325,000 | 11.5% |
| Rocket Mortgage, LLC | 1,115 | 6.750% | $255,000 | 22.1% |
| DHI MORTGAGE COMPANY, LTD. | 1,005 | 4.500% | $265,000 | 19.1% |
| LENNAR MORTGAGE, LLC | 917 | 4.375% | $215,000 | 21.7% |
| Loandepot.Com, LLC | 566 | 4.990% | $275,000 | 16.9% |
| CMG MORTGAGE, INC. | 528 | 6.625% | $315,000 | 6.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 421 | 5.490% | $245,000 | 3.4% |
| PULTE MORTGAGE LLC | 412 | 5.000% | $275,000 | 24.6% |
| JPMorgan Chase Bank, National Association | 373 | 6.490% | $315,000 | 12.5% |
| GUILD MORTGAGE COMPANY | 317 | 6.490% | $325,000 | 6.4% |
| INSPIRE HOME LOANS INC. | 299 | 4.875% | $275,000 | 13.6% |
| Fairway Independent Mortgage Corporation | 288 | 6.625% | $305,000 | 3.6% |
| Bank of America, National Association | 252 | 6.240% | $175,000 | 48.3% |
| VELOCIO MORTGAGE L.L.C. | 240 | 3.990% | $275,000 | 5.5% |
| PENNYMAC LOAN SERVICES, LLC | 232 | 6.250% | $305,000 | 18.8% |
| Cadence Bank | 226 | 6.500% | $595,000 | 11.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 225 | 5.990% | $405,000 | 5.6% |
| Frost Bank | 220 | 7.650% | $135,000 | 46.1% |
| FREEDOM MORTGAGE CORPORATION | 219 | 6.125% | $325,000 | 12.2% |
| M/I FINANCIAL, LLC | 210 | 4.875% | $275,000 | 6.0% |
| GUARANTEED RATE AFFINITY, LLC | 200 | 6.475% | $460,000 | 0.5% |
| Broker Solutions, Inc. | 197 | 6.625% | $255,000 | 14.9% |
| 21st Mortgage Corporation | 193 | 9.850% | $115,000 | 73.6% |
| KIND LENDING, LLC | 191 | 6.500% | $315,000 | 27.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 183 | 6.750% | $305,000 | 6.6% |
| GRACE HOME LENDING, LLC | 173 | 5.490% | $345,000 | 2.3% |
| Mortgage Research Center, LLC | 170 | 6.125% | $350,000 | 28.7% |
| JET HOMELOANS, LP | 169 | 4.990% | $345,000 | 12.1% |
| First Financial Bank | 164 | 6.900% | $215,000 | 15.3% |
| Navy Federal Credit Union | 160 | 6.563% | $255,000 | 40.7% |
| Zions Bancorporation, N.A. | 148 | 6.890% | $255,000 | 32.4% |
| NEWREZ LLC | 146 | 6.625% | $300,000 | 30.4% |
| NATIONSTAR MORTGAGE LLC | 129 | 6.990% | $215,000 | 19.6% |
| THE LOAN STORE, INC. | 129 | 6.875% | $275,000 | 14.4% |
| 254900YZ174H294JW398 | 129 | 6.250% | $445,000 | 1.9% |
| MOVEMENT MORTGAGE, LLC | 128 | 6.625% | $265,000 | 3.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 127 | 5.750% | $305,000 | 4.5% |
| TOLL BROTHERS MORTGAGE COMPANY | 126 | 6.490% | $440,000 | 7.2% |
| PNC Bank, National Association | 113 | 7.740% | $155,000 | 52.2% |
| Click n' Close, Inc. | 112 | 6.750% | $295,000 | 2.6% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 110 | 4.990% | $285,000 | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 109 | 10.250% | $95,000 | 79.6% |
| CORNERSTONE CAPITAL BANK, SSB | 107 | 6.250% | $315,000 | 4.5% |
| UNION HOME MORTGAGE CORP. | 105 | 6.625% | $325,000 | 12.7% |
| CLM MORTGAGE, INC. | 105 | 5.750% | $315,000 | 0.8% |
| STONE MEADOW LENDING, LLC | 105 | 5.750% | $305,000 | 3.7% |
| AMWEST FUNDING CORP. | 104 | 6.875% | $220,000 | 0.9% |
| PARKSTONE MORTGAGE, LLC | 102 | 6.250% | $355,000 | 1.0% |
| GUARANTEED RATE, INC. | 100 | 6.500% | $325,000 | 10.2% |
| LEGEND LENDING CORPORATION | 100 | 6.625% | $285,000 | 1.9% |
| NETWORK FUNDING, L.P. | 89 | 6.625% | $355,000 | 12.4% |
| Wells Fargo Bank, National Association | 86 | 6.438% | $280,000 | 22.5% |
| Nations Lending Corporation | 86 | 6.313% | $310,000 | 1.1% |
| Paramount Residential Mortgage Group, Inc. | 85 | 6.375% | $355,000 | 4.5% |
| Centennial Bank | 83 | 7.125% | $695,000 | 19.4% |
| NFM, INC. | 82 | 6.750% | $255,000 | 3.5% |
| SPRING EQ, LLC | 81 | 9.175% | $85,000 | 62.1% |
| CALCON MUTUAL MORTGAGE LLC | 79 | 5.250% | $275,000 | 47.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 79 | 6.500% | $295,000 | 3.0% |
| V.I.P. MORTGAGE, INC. | 78 | 6.250% | $335,000 | 3.7% |
| LAKEVIEW LOAN SERVICING, LLC | 77 | 6.250% | $315,000 | 61.6% |
| PLAZA HOME MORTGAGE, INC. | 73 | 6.490% | $285,000 | 23.0% |
| TRIAD FINANCIAL SERVICES, INC. | 72 | 9.955% | $125,000 | 54.0% |
| LENDLO MORTGAGE, LLC | 72 | 6.000% | $215,000 | 1.4% |
| Plains Commerce Bank | 68 | 6.490% | $350,000 | 8.1% |
| Regions Bank | 66 | 5.500% | $110,000 | 47.2% |
| FIRST COMMUNITY CREDIT UNION | 64 | 6.313% | $215,000 | 9.9% |
| CHEVRON Federal Credit Union | 64 | 5.875% | $410,000 | 14.7% |
| Prosperity Bank | 63 | 6.250% | $605,000 | 32.3% |
| OCMBC, INC. | 63 | 7.375% | $245,000 | 10.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 63 | 6.375% | $315,000 | 8.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 62 | 6.688% | $285,000 | 0.0% |
| Flagstar Bank, N.A. | 61 | 6.625% | $285,000 | 28.2% |
| CHAMPIONS FUNDING, LLC | 60 | 7.375% | $225,000 | 17.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 59 | 6.500% | $345,000 | 13.0% |
| KBHS HOME LOANS, LLC | 59 | 6.375% | $235,000 | 10.6% |
| HOMETRUST MORTGAGE COMPANY | 56 | 6.625% | $280,000 | 8.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 56 | 6.313% | $345,000 | 13.6% |
| TOWNE MORTGAGE COMPANY | 55 | 5.875% | $235,000 | 1.7% |
| Synergy One Lending, Inc. | 53 | 6.500% | $315,000 | 11.7% |
| SWBC MORTGAGE CORPORATION | 53 | 6.625% | $295,000 | 3.6% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 52 | 5.625% | $310,000 | 20.0% |
| Hometown Equity Mortgage, LLC | 49 | 7.250% | $265,000 | 39.8% |
| Truist Bank | 48 | 6.608% | $195,000 | 52.9% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 48 | 6.125% | $375,000 | 4.0% |
| REPUBLIC STATE MORTGAGE CO. | 46 | 5.813% | $265,000 | 4.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | 44 | 6.933% | $265,000 | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 43 | 6.875% | $285,000 | 19.6% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 43 | 7.625% | $205,000 | 12.2% |
| COLINA MORTGAGE GROUP, LLC | 43 | 5.500% | $275,000 | 15.1% |
| Shea Mortgage Inc. | 43 | 5.750% | $405,000 | 2.3% |
| SMART FINANCIAL CREDIT UNION | 41 | 6.000% | $105,000 | 48.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 41 | 10.160% | $155,000 | 25.4% |
| EVERETT FINANCIAL, INC. | 40 | 6.750% | $280,000 | 20.0% |
| USAA Federal Savings Bank | 39 | 6.250% | $365,000 | 43.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 39 | 6.875% | $135,000 | 10.7% |
| HOMEXPRESS MORTGAGE CORP. | 39 | 7.375% | $235,000 | 36.5% |
| PLANET HOME LENDING, LLC | 39 | 6.250% | $305,000 | 24.5% |
| U.S. Bank National Association | 38 | 6.490% | $340,000 | 50.0% |
| A&D Mortgage LLC | 38 | 6.990% | $315,000 | 18.4% |
| Lendage, LLC | 38 | 11.563% | $70,000 | 36.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 38 | 5.875% | $255,000 | 12.0% |
| FIRST SERVICE Credit Union | 38 | 7.203% | $135,000 | 7.3% |
| SFMC, LP | 37 | 6.250% | $295,000 | 13.0% |
| PENTAGON FEDERAL CREDIT UNION | 36 | 7.625% | $150,000 | 45.5% |
| Equity Prime Mortgage LLC | 36 | 6.563% | $240,000 | 12.2% |
| ENCOMPASS LENDING GROUP, LP | 36 | 6.875% | $330,000 | 0.0% |
| T2 FINANCIAL LLC | 35 | 6.875% | $285,000 | 7.5% |
| Discover Bank | 34 | 8.400% | $90,000 | 76.1% |
| AmeriSave Mortgage Corporation | 34 | 7.750% | $165,000 | 72.2% |
| First Horizon Bank | 34 | 6.375% | $590,000 | 20.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 34 | 6.313% | $275,000 | 10.5% |
| Heritage Mortgage, LLC | 33 | 5.750% | $265,000 | 2.9% |
| FIGURE LENDING LLC | 32 | 10.288% | $75,000 | 42.3% |
| NexBank | 32 | 6.125% | $305,000 | 13.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 31 | 5.990% | $325,000 | 14.5% |
| Commerce Home Mortgage, Inc. | 31 | 7.750% | $295,000 | 13.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 30 | 6.990% | $200,000 | 26.2% |
| FIRST EQUITY MORTGAGE INCORPORATED | 30 | 6.688% | $565,000 | 11.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 30 | 6.563% | $260,000 | 17.8% |
| ZILLOW HOME LOANS, LLC | 30 | 6.500% | $290,000 | 3.2% |
| BETTER MORTGAGE CORPORATION | 28 | 6.625% | $290,000 | 45.3% |
| Sierra Pacific Mortgage Company, Inc. | 28 | 6.250% | $300,000 | 3.5% |
| FIVEPOINT CREDIT UNION | 28 | Not published | $145,000 | 10.5% |
| SHELL FEDERAL CREDIT UNION | 27 | 7.156% | $125,000 | 50.9% |
| DEEPHAVEN MORTGAGE LLC | 26 | 7.375% | $270,000 | 39.5% |
| MORTGAGE FINANCIAL SERVICES, LLC | 26 | 6.125% | $265,000 | 0.0% |
| BOKF, National Association | 25 | 7.250% | $160,000 | 44.0% |
| Citadel Servicing Corporation | 25 | 7.625% | $265,000 | 2.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 25 | 7.374% | $205,000 | 13.8% |
| NATIONS DIRECT MORTGAGE, LLC | 25 | 6.490% | $285,000 | 3.9% |
| HIGHLAND HOMELOANS, LLC | 25 | 5.500% | $385,000 | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 24 | 6.688% | $100,000 | 39.0% |
| Gateway First Bank | 24 | 6.313% | $285,000 | 3.9% |
| Vantage Bank Texas | 24 | Not published | $265,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 23 | 6.875% | $235,000 | 52.2% |
| Stellar Bank | 23 | 6.500% | $395,000 | 39.0% |
| International Bank of Commerce | 23 | 7.500% | $225,000 | 17.2% |
| Morgan Stanley Private Bank, National Association | 23 | 5.950% | $525,000 | 7.7% |
| SOUTHWEST STAGE FUNDING, LLC | 22 | 8.925% | $115,000 | 15.3% |
| GENWAY HOME MORTGAGE, INC. | 22 | 6.938% | $225,000 | 24.1% |
| LOWER, LLC | 22 | 6.250% | $300,000 | 8.0% |
| EUSTIS MORTGAGE CORPORATION | 22 | 6.433% | $270,000 | 0.0% |
| CREDIT UNION OF TEXAS | 21 | 7.800% | $105,000 | 27.3% |
| RESICENTRAL, LLC | 21 | 6.500% | $305,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 21 | 6.375% | $295,000 | 4.6% |
| Kiavi Funding, Inc. | 20 | 9.920% | $255,000 | 16.7% |
| NEXERA HOLDING LLC | 20 | 7.563% | $325,000 | 12.5% |
| Trustmark National Bank | 20 | 5.875% | $445,000 | 41.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 20 | 6.500% | $335,000 | 10.7% |
| Luminate Bank | 20 | 6.625% | $285,000 | 4.8% |
| DAS Acquisition Company, LLC | 20 | 6.433% | $270,000 | 0.0% |
| PHH Mortgage Corporation | 19 | 6.375% | $295,000 | 13.6% |
| JSC Federal Credit Union | 19 | 6.000% | $205,000 | 30.3% |
| FocusOne Mortgage, LLC | 19 | 6.750% | $205,000 | 4.6% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 19 | 6.750% | $345,000 | 20.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 19 | 6.125% | $265,000 | 5.0% |
| MORTGAGE ACCESS CORP. | 19 | 6.375% | $565,000 | 5.0% |
| SUMMIT FUNDING, INC. | 19 | 6.750% | $245,000 | 5.0% |
| Fidelity Lending Solutions, Inc. | 19 | 8.000% | $215,000 | 0.0% |
| Austin Bank, Texas National Association | 18 | 8.000% | $305,000 | 33.3% |
| HANCOCK WHITNEY BANK | 18 | 6.250% | $310,000 | 9.5% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.438% | $215,000 | 10.0% |
| 2549004YKXDDHUWUOH37 | 18 | 4.990% | $290,000 | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 17 | 9.500% | $95,000 | 69.8% |
| Comerica Bank | 17 | 6.125% | $255,000 | 61.7% |
| Simmons Bank | 17 | 4.990% | $275,000 | 34.6% |
| RIGHT START MORTGAGE, INC. | 17 | 6.750% | $275,000 | 26.1% |
| OriginPoint, LLC | 17 | 6.750% | $345,000 | 0.0% |
| CERTIFIED FUNDING, L.P. | 17 | 7.500% | $155,000 | 29.2% |
| CORNERSTONE MORTGAGE PROVIDERS, LLC | 17 | 6.250% | $425,000 | 0.0% |
| LENDSURE MORTGAGE CORP. | 16 | 7.563% | $315,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 16 | 6.313% | $260,000 | 5.9% |
| Charles Schwab Bank, SSB | 16 | 5.500% | $930,000 | 5.9% |
| Cornerstone First Mortgage, Inc | 15 | 7.125% | $205,000 | 21.1% |
| AMERICAN HERITAGE LENDING, LLC | 15 | 6.875% | $375,000 | 11.1% |
| ALLIANT CREDIT UNION | 15 | 6.250% | $305,000 | 11.8% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.250% | $155,000 | 0.0% |
| TEXAS BAY | 15 | 6.190% | $205,000 | 16.7% |
| GARDNER FINANCIAL SERVICES, LTD. | 15 | 6.625% | $265,000 | 0.0% |
| Goldwater Bank, N.A. | 15 | 6.625% | $295,000 | 0.0% |
| HOUSTON POLICE | 15 | 7.750% | $115,000 | 6.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 5.873% | $295,000 | 15.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 14 | 6.375% | $420,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 14 | 6.563% | $360,000 | 0.0% |
| NBKC BANK | 14 | 6.313% | $430,000 | 22.2% |
| Texas First Bank | 14 | Not published | $345,000 | 12.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 14 | 10.813% | $685,000 | 6.7% |
| 254900J2RKTTDJSUWD76 | 14 | 6.875% | $260,000 | 0.0% |
| LoanUnited.com, LLC | 13 | 5.990% | $335,000 | 23.5% |
| GoodLeap, LLC | 13 | 6.125% | $155,000 | 46.7% |
| Tomo Mortgage, LLC | 13 | 6.375% | $435,000 | 13.3% |
| First United Bank and Trust Company | 13 | 7.000% | $385,000 | 13.3% |
| FlexPoint, Inc. | 13 | 7.375% | $375,000 | 0.0% |
| Integrity Home Mortgage Corporation | 13 | 6.500% | $295,000 | 6.3% |
| BRADESCO BANK | 13 | 6.875% | $325,000 | 13.3% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 13 | 6.375% | $245,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.750% | $235,000 | 7.1% |
| DSLD MORTGAGE, LLC | 13 | 5.625% | $265,000 | 0.0% |
| Amplify | 13 | 7.500% | $205,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 478 lenders each made 13 or fewer mortgages here, and are counted in the totals above.
Bank branches in Montgomery County
164 FDIC-insured branches from 36 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 1925 Hughes Landing Blvd, Ste 200, The Woodlands
- Capital One, National Association, 2404 Research Forest Dr, Spring
- Comerica Bank, 1600 Research Forest Dr, Shenandoah
- Comerica Bank, 6417 Woodlands Pkwy, The Woodlands
- First National Bank Texas, 2129 W Davis St, Conroe
- Guaranty Bank & Trust, N.A., 244 S Loop 336 W, Conroe
- Veritex Community Bank, 1455 Research Forest Dr, Shenandoah
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When the next year’s lending figures are out for Montgomery 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.