Home purchase lenders in Montgomery County
15,202 home purchase mortgages were made in Montgomery County, Texas, in 2025, by 579 lenders. The median rate their borrowers got was 6.125% on a median loan of $285,000. Of 19,909 decisions, 3,803 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 1,005 | 4.500% | $265,000 | 19.0% |
| LENNAR MORTGAGE, LLC | 917 | 4.375% | $215,000 | 21.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 872 | 6.499% | $315,000 | 10.5% |
| Loandepot.Com, LLC | 482 | 4.990% | $275,000 | 9.2% |
| CMG MORTGAGE, INC. | 478 | 6.625% | $315,000 | 5.1% |
| Rocket Mortgage, LLC | 454 | 6.375% | $300,000 | 13.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 420 | 5.490% | $245,000 | 3.2% |
| PULTE MORTGAGE LLC | 412 | 5.000% | $275,000 | 24.6% |
| INSPIRE HOME LOANS INC. | 299 | 4.875% | $275,000 | 13.6% |
| GUILD MORTGAGE COMPANY | 288 | 6.495% | $305,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 260 | 6.625% | $305,000 | 1.9% |
| JPMorgan Chase Bank, National Association | 258 | 6.490% | $355,000 | 9.3% |
| VELOCIO MORTGAGE L.L.C. | 240 | 3.990% | $275,000 | 5.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 211 | 5.990% | $395,000 | 4.8% |
| M/I FINANCIAL, LLC | 210 | 4.875% | $275,000 | 6.0% |
| GUARANTEED RATE AFFINITY, LLC | 195 | 6.475% | $455,000 | 0.0% |
| 21st Mortgage Corporation | 192 | 9.885% | $115,000 | 73.5% |
| Cadence Bank | 189 | 6.500% | $645,000 | 8.9% |
| Broker Solutions, Inc. | 172 | 6.625% | $260,000 | 5.5% |
| GRACE HOME LENDING, LLC | 172 | 5.490% | $345,000 | 2.3% |
| JET HOMELOANS, LP | 168 | 4.990% | $345,000 | 12.2% |
| Mortgage Research Center, LLC | 157 | 6.250% | $345,000 | 11.2% |
| KIND LENDING, LLC | 155 | 6.500% | $305,000 | 23.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 150 | 6.750% | $305,000 | 2.0% |
| 254900YZ174H294JW398 | 129 | 6.250% | $445,000 | 1.9% |
| INTERLINC MORTGAGE SERVICES, LLC | 127 | 5.750% | $305,000 | 3.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 126 | 6.490% | $440,000 | 7.2% |
| MOVEMENT MORTGAGE, LLC | 114 | 6.625% | $255,000 | 2.8% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 110 | 4.990% | $285,000 | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 108 | 10.250% | $95,000 | 79.7% |
| CLM MORTGAGE, INC. | 105 | 5.750% | $315,000 | 0.8% |
| STONE MEADOW LENDING, LLC | 105 | 5.750% | $305,000 | 3.7% |
| PARKSTONE MORTGAGE, LLC | 102 | 6.250% | $355,000 | 1.0% |
| Click n' Close, Inc. | 101 | 6.625% | $295,000 | 2.8% |
| THE LOAN STORE, INC. | 100 | 6.500% | $310,000 | 5.8% |
| CORNERSTONE CAPITAL BANK, SSB | 95 | 6.125% | $315,000 | 3.1% |
| AMWEST FUNDING CORP. | 94 | 6.875% | $215,000 | 1.1% |
| UNION HOME MORTGAGE CORP. | 93 | 6.563% | $335,000 | 12.8% |
| Navy Federal Credit Union | 91 | 6.125% | $315,000 | 14.8% |
| LEGEND LENDING CORPORATION | 89 | 6.625% | $285,000 | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | 86 | 6.125% | $340,000 | 13.1% |
| GUARANTEED RATE, INC. | 80 | 6.500% | $325,000 | 3.6% |
| First Financial Bank | 79 | 6.850% | $305,000 | 7.0% |
| CALCON MUTUAL MORTGAGE LLC | 78 | 5.250% | $270,000 | 47.7% |
| Centennial Bank | 78 | 7.125% | $720,000 | 19.6% |
| FREEDOM MORTGAGE CORPORATION | 78 | 5.990% | $310,000 | 16.1% |
| Paramount Residential Mortgage Group, Inc. | 76 | 6.375% | $350,000 | 5.0% |
| Nations Lending Corporation | 76 | 6.375% | $295,000 | 1.3% |
| NFM, INC. | 74 | 6.688% | $255,000 | 2.6% |
| Bank of America, National Association | 73 | 6.125% | $285,000 | 22.3% |
| NETWORK FUNDING, L.P. | 73 | 6.624% | $385,000 | 10.3% |
| TRIAD FINANCIAL SERVICES, INC. | 72 | 9.955% | $125,000 | 53.9% |
| V.I.P. MORTGAGE, INC. | 72 | 6.250% | $335,000 | 4.0% |
| LENDLO MORTGAGE, LLC | 72 | 6.000% | $215,000 | 1.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 6.875% | $295,000 | 3.4% |
| NEWREZ LLC | 69 | 6.375% | $355,000 | 13.6% |
| Plains Commerce Bank | 67 | 6.490% | $345,000 | 6.9% |
| PLAZA HOME MORTGAGE, INC. | 66 | 6.490% | $285,000 | 16.7% |
| Wells Fargo Bank, National Association | 63 | 6.375% | $325,000 | 12.5% |
| KBHS HOME LOANS, LLC | 59 | 6.375% | $235,000 | 10.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 58 | 6.750% | $280,000 | 0.0% |
| HOMETRUST MORTGAGE COMPANY | 54 | 6.625% | $280,000 | 6.9% |
| TOWNE MORTGAGE COMPANY | 54 | 5.875% | $235,000 | 1.7% |
| Flagstar Bank, N.A. | 53 | 6.625% | $295,000 | 25.4% |
| Prosperity Bank | 52 | 6.250% | $650,000 | 26.3% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 52 | 5.625% | $310,000 | 20.0% |
| CHEVRON Federal Credit Union | 51 | 5.875% | $505,000 | 1.9% |
| Synergy One Lending, Inc. | 48 | 6.433% | $300,000 | 12.7% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 47 | 6.125% | $385,000 | 4.1% |
| SWBC MORTGAGE CORPORATION | 47 | 6.625% | $335,000 | 4.0% |
| REPUBLIC STATE MORTGAGE CO. | 46 | 5.813% | $265,000 | 4.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 45 | 6.375% | $355,000 | 4.2% |
| COLINA MORTGAGE GROUP, LLC | 43 | 5.500% | $275,000 | 15.1% |
| Shea Mortgage Inc. | 43 | 5.750% | $405,000 | 2.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 41 | 6.875% | $265,000 | 14.6% |
| Frost Bank | 40 | 8.000% | $215,000 | 33.3% |
| OCMBC, INC. | 40 | 7.250% | $240,000 | 13.2% |
| CHAMPIONS FUNDING, LLC | 40 | 7.250% | $255,000 | 13.0% |
| USAA Federal Savings Bank | 37 | 6.375% | $345,000 | 43.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 36 | 6.563% | $380,000 | 2.7% |
| Equity Prime Mortgage LLC | 35 | 6.625% | $235,000 | 12.5% |
| SFMC, LP | 35 | 6.250% | $295,000 | 14.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 35 | 6.625% | $305,000 | 22.9% |
| Hometown Equity Mortgage, LLC | 35 | 7.375% | $265,000 | 34.6% |
| Heritage Mortgage, LLC | 33 | 5.750% | $265,000 | 2.9% |
| U.S. Bank National Association | 32 | 6.433% | $345,000 | 17.5% |
| Zions Bancorporation, N.A. | 32 | 6.438% | $555,000 | 11.5% |
| ENCOMPASS LENDING GROUP, LP | 32 | 6.813% | $350,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 31 | 6.750% | $265,000 | 18.4% |
| FIRST EQUITY MORTGAGE INCORPORATED | 30 | 6.688% | $565,000 | 11.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 30 | 5.813% | $245,000 | 7.7% |
| T2 FINANCIAL LLC | 30 | 6.875% | $290,000 | 8.6% |
| ZILLOW HOME LOANS, LLC | 30 | 6.500% | $290,000 | 3.2% |
| FIRST COMMUNITY CREDIT UNION | 29 | 6.000% | $425,000 | 6.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 28 | 6.313% | $285,000 | 9.7% |
| Commerce Home Mortgage, Inc. | 28 | 8.125% | $300,000 | 0.0% |
| NexBank | 28 | 6.188% | $300,000 | 6.5% |
| NATIONSTAR MORTGAGE LLC | 28 | 6.563% | $355,000 | 6.7% |
| A&D Mortgage LLC | 27 | 6.625% | $325,000 | 6.9% |
| First Horizon Bank | 26 | 6.438% | $655,000 | 16.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 26 | 6.500% | $275,000 | 8.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 25 | 6.125% | $265,000 | 0.0% |
| HIGHLAND HOMELOANS, LLC | 25 | 5.500% | $385,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 24 | 6.250% | $295,000 | 4.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 23 | 6.375% | $365,000 | 8.0% |
| Vantage Bank Texas | 23 | Not published | $275,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 22 | 8.925% | $115,000 | 15.3% |
| PNC Bank, National Association | 22 | 6.688% | $275,000 | 24.1% |
| HOMEXPRESS MORTGAGE CORP. | 22 | 7.375% | $210,000 | 30.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 22 | 7.499% | $205,000 | 15.4% |
| GENWAY HOME MORTGAGE, INC. | 21 | 6.875% | $225,000 | 22.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 20 | 6.500% | $335,000 | 10.7% |
| DEEPHAVEN MORTGAGE LLC | 20 | 7.120% | $245,000 | 31.0% |
| DAS Acquisition Company, LLC | 20 | 6.433% | $270,000 | 0.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 20 | 6.688% | $290,000 | 13.0% |
| NATIONS DIRECT MORTGAGE, LLC | 20 | 6.370% | $310,000 | 4.8% |
| International Bank of Commerce | 20 | 7.500% | $230,000 | 13.0% |
| Stellar Bank | 19 | 6.500% | $395,000 | 9.1% |
| Luminate Bank | 19 | 6.625% | $275,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 19 | 6.125% | $265,000 | 5.0% |
| RESICENTRAL, LLC | 19 | 6.625% | $305,000 | 0.0% |
| Gateway First Bank | 19 | 6.250% | $285,000 | 4.8% |
| LOWER, LLC | 19 | 6.125% | $305,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 18 | 6.433% | $545,000 | 5.3% |
| 2549004YKXDDHUWUOH37 | 18 | 4.990% | $290,000 | 0.0% |
| Fidelity Lending Solutions, Inc. | 18 | 8.188% | $210,000 | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 18 | 6.375% | $250,000 | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 17 | 9.500% | $95,000 | 69.8% |
| RIGHT START MORTGAGE, INC. | 17 | 6.750% | $275,000 | 26.1% |
| Morgan Stanley Private Bank, National Association | 17 | 5.925% | $525,000 | 0.0% |
| SUMMIT FUNDING, INC. | 17 | 6.750% | $245,000 | 5.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 17 | 6.250% | $315,000 | 0.0% |
| CORNERSTONE MORTGAGE PROVIDERS, LLC | 17 | 6.250% | $425,000 | 0.0% |
| Kiavi Funding, Inc. | 16 | 10.320% | $280,000 | 5.9% |
| Citadel Servicing Corporation | 16 | 7.688% | $260,000 | 0.0% |
| NEXERA HOLDING LLC | 15 | 7.500% | $295,000 | 6.3% |
| Regions Bank | 15 | 6.375% | $465,000 | 30.4% |
| OriginPoint, LLC | 15 | 6.750% | $345,000 | 0.0% |
| Trustmark National Bank | 15 | 5.875% | $685,000 | 28.6% |
| HANCOCK WHITNEY BANK | 15 | 6.375% | $355,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 14 | 6.375% | $415,000 | 22.2% |
| Cornerstone First Mortgage, Inc | 14 | 7.000% | $210,000 | 22.2% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 14 | 6.375% | $420,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 14 | 6.875% | $380,000 | 6.3% |
| GARDNER FINANCIAL SERVICES, LTD. | 14 | 6.625% | $265,000 | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 14 | 7.000% | $370,000 | 0.0% |
| Tomo Mortgage, LLC | 13 | 6.375% | $435,000 | 13.3% |
| Integrity Home Mortgage Corporation | 13 | 6.500% | $295,000 | 6.7% |
| ALLIANT CREDIT UNION | 13 | 6.625% | $305,000 | 7.1% |
| LENDSURE MORTGAGE CORP. | 13 | 7.625% | $325,000 | 0.0% |
| BRADESCO BANK | 13 | 6.875% | $325,000 | 13.3% |
| DSLD MORTGAGE, LLC | 13 | 5.625% | $265,000 | 0.0% |
| 212 LOANS, LLC. | 13 | 11.990% | $205,000 | 0.0% |
| 254900J2RKTTDJSUWD76 | 13 | 6.875% | $265,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.433% | $275,000 | 0.0% |
| Austin Bank, Texas National Association | 12 | 8.000% | $330,000 | 29.4% |
| Truist Bank | 12 | 6.545% | $610,000 | 14.3% |
| CERTIFIED FUNDING, L.P. | 12 | 7.500% | $160,000 | 25.0% |
| Charles Schwab Bank, SSB | 12 | 5.500% | $930,000 | 7.7% |
| Goldwater Bank, N.A. | 12 | 6.563% | $290,000 | 0.0% |
| Texas First Bank | 12 | Not published | $345,000 | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 11 | 6.750% | $285,000 | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 11 | 6.500% | $255,000 | 8.3% |
| AML FUNDING LLC | 11 | 7.250% | $265,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.750% | $215,000 | 8.3% |
| CANOPY MORTGAGE, LLC | 11 | 6.625% | $355,000 | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 11 | 7.625% | $225,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 11 | 6.625% | $345,000 | 0.0% |
| JNC MORTGAGE COMPANY, INC. | 11 | 5.500% | $325,000 | 0.0% |
| LoanUnited.com, LLC | 10 | 6.120% | $305,000 | 28.6% |
| Farm Credit Mid-America | 10 | 7.125% | $535,000 | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.500% | $250,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 3.375% | $215,000 | 28.6% |
| Logan Finance Corporation | 10 | 8.249% | $240,000 | 23.1% |
| FlexPoint, Inc. | 10 | 7.375% | $325,000 | 0.0% |
| BAY EQUITY LLC | 10 | 6.625% | $345,000 | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 10 | 6.875% | $215,000 | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | 11.000% | $1,130,000 | 9.1% |
| PHH Mortgage Corporation | 10 | 6.438% | $295,000 | 9.1% |
| RBC Bank, (Georgia) National Association | 10 | 5.438% | $460,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| DIRECT MORTGAGE LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 8 | Under 10 loans | Under 10 loans | 68.7% |
| COUNTRYPLACE MORTGAGE, LTD. | 8 | Under 10 loans | Under 10 loans | 71.4% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FocusOne Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| JSC Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SERVICE Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 25.0% |
| NextMortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 7 | 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 379 lenders each made 7 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.