Refinancing lenders in Travis County
2,399 refinancing mortgages were made in Travis County, Texas, in 2025, by 387 lenders. The median rate their borrowers got was 6.124% on a median loan of $465,000. Of 3,473 decisions, 850 were denials — 24.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 513 | 5.999% | $495,000 | 13.0% |
| Rocket Mortgage, LLC | 157 | 5.990% | $395,000 | 34.4% |
| Frost Bank | 76 | 5.638% | $405,000 | 29.5% |
| JPMorgan Chase Bank, National Association | 71 | 5.990% | $495,000 | 7.7% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 5.625% | $515,000 | 19.1% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.125% | $415,000 | 4.9% |
| Bank of America, National Association | 48 | 5.990% | $335,000 | 36.0% |
| Fairway Independent Mortgage Corporation | 45 | 5.990% | $475,000 | 13.5% |
| PNC Bank, National Association | 44 | 7.740% | $255,000 | 28.6% |
| NEWREZ LLC | 38 | 5.875% | $530,000 | 44.3% |
| CMG MORTGAGE, INC. | 37 | 6.125% | $565,000 | 8.5% |
| UNIVERSITY Federal Credit Union | 35 | 6.375% | $425,000 | 18.6% |
| U.S. Bank National Association | 30 | 5.933% | $1,115,000 | 13.5% |
| First United Bank and Trust Company | 29 | 6.250% | $775,000 | 0.0% |
| LOANPEOPLE, LLC | 26 | 6.125% | $430,000 | 6.9% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 5.933% | $465,000 | 59.7% |
| ROYAL UNITED MORTGAGE LLC | 23 | 6.625% | $175,000 | 24.2% |
| NATIONSTAR MORTGAGE LLC | 22 | 5.563% | $380,000 | 24.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.250% | $435,000 | 19.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 5.750% | $435,000 | 9.4% |
| 254900K39SBWA2QOUF69 | 19 | 6.500% | $475,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 19 | 5.990% | $485,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 18 | 5.623% | $585,000 | 15.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | 6.288% | $400,000 | 9.5% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 17 | 5.875% | $285,000 | 15.4% |
| PHH Mortgage Corporation | 17 | 5.625% | $475,000 | 18.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 5.990% | $395,000 | 10.0% |
| Paramount Residential Mortgage Group, Inc. | 17 | 6.125% | $555,000 | 0.0% |
| Truist Bank | 16 | 5.890% | $255,000 | 45.5% |
| THE LOAN STORE, INC. | 16 | 6.750% | $320,000 | 19.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.433% | $710,000 | 15.0% |
| PILGRIM MORTGAGE LLC | 16 | 5.813% | $430,000 | 0.0% |
| Loandepot.Com, LLC | 15 | 6.125% | $525,000 | 50.0% |
| Broker Solutions, Inc. | 14 | 6.563% | $375,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 14 | 6.125% | $545,000 | 33.3% |
| AAXY L.L.C. | 14 | 5.875% | $470,000 | 0.0% |
| Prosperity Bank | 13 | 6.750% | $825,000 | 26.3% |
| Cadence Bank | 13 | 6.600% | $445,000 | 21.1% |
| CHAMPIONS FUNDING, LLC | 13 | 7.625% | $395,000 | 40.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.063% | $510,000 | 29.4% |
| Amplify | 12 | 6.308% | $480,000 | 7.7% |
| SWBC MORTGAGE CORPORATION | 12 | 6.495% | $990,000 | 0.0% |
| PLANET HOME LENDING, LLC | 12 | 5.933% | $415,000 | 25.0% |
| Mortgage Research Center, LLC | 11 | 5.750% | $375,000 | 68.4% |
| A+ Federal Credit Union | 11 | 6.240% | $195,000 | 33.3% |
| NETWORK FUNDING, L.P. | 11 | 6.125% | $595,000 | 11.1% |
| Wells Fargo Bank, National Association | 11 | 5.625% | $445,000 | 21.4% |
| GUILD MORTGAGE COMPANY | 11 | 6.000% | $525,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 9.090% | $575,000 | 35.3% |
| BETTER MORTGAGE CORPORATION | 10 | 5.683% | $520,000 | 37.5% |
| NBKC BANK | 10 | 5.813% | $560,000 | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.125% | $710,000 | 0.0% |
| Investor Mortgage Finance LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Frontier Bank of Texas | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Alcova Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 7 | Under 10 loans | Under 10 loans | 61.1% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Zions Bancorporation, N.A. | 7 | Under 10 loans | Under 10 loans | 23.1% |
| Simmons Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Primis Mortgage Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 28.6% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| First Horizon Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| V.I.P. MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| International Bank of Commerce | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 76.9% |
| Assurance Financial Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 5 | Under 10 loans | Under 10 loans | 46.2% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AUSTIN TELCO | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Broadway National Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 11.1% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Security State Bank & Trust | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CERTIFIED FUNDING, L.P. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| The First National Bank of Bastrop | 4 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 82.6% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 55.6% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 25.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| American Bank of Commerce | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Trustmark National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Susser Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PlainsCapital Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Tech Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SouthStar Bank, S.S.B. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TEXAS MORTGAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITOL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | 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 187 lenders each made 1 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.