Mortgage lenders in Upshur County
832 mortgages were made in Upshur County, Texas, in 2025, by 194 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 1,304 decisions, 381 were denials — 29.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CREDIT UNION OF TEXAS | 47 | 7.800% | $75,000 | 27.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 46 | 6.231% | $290,000 | 9.4% |
| Rocket Mortgage, LLC | 45 | 6.875% | $185,000 | 32.4% |
| Gilmer National Bank, Gilmer, Texas | 45 | 7.250% | $125,000 | 8.2% |
| EASTMAN CREDIT UNION | 38 | 7.000% | $180,000 | 26.9% |
| GUILD MORTGAGE COMPANY | 38 | 6.438% | $205,000 | 2.5% |
| 21st Mortgage Corporation | 31 | 9.600% | $105,000 | 69.0% |
| EAST TEXAS PROFESSIONAL Credit Union | 30 | 6.875% | $95,000 | 18.4% |
| Austin Bank, Texas National Association | 29 | 8.000% | $95,000 | 27.5% |
| Loandepot.Com, LLC | 23 | 6.750% | $175,000 | 17.9% |
| First National Bank of East Texas | 22 | Not published | $180,000 | 16.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 19 | 9.250% | $135,000 | 58.0% |
| Fairway Independent Mortgage Corporation | 19 | 6.750% | $205,000 | 17.4% |
| Mortgage Research Center, LLC | 18 | 6.250% | $280,000 | 30.8% |
| CMG MORTGAGE, INC. | 18 | 6.625% | $165,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 14 | 6.812% | $175,000 | 0.0% |
| T2 FINANCIAL LLC | 14 | 6.563% | $235,000 | 6.3% |
| Texas Bank and Trust Company | 12 | 6.875% | $180,000 | 11.1% |
| Texas Heritage National Bank | 12 | Not published | $170,000 | 0.0% |
| Community Bank | 12 | Not published | $360,000 | 0.0% |
| Cadence Bank | 10 | 7.175% | $180,000 | 27.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.563% | $225,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 52.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The First National Bank of Hughes Springs | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| SOUTHWEST STAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TEXAS MORTGAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Spring Hill State Bank | 6 | Under 10 loans | Under 10 loans | 30.0% |
| ALTRA Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 20.0% |
| CANOPY MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| VeraBank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLATINUM EAGLE MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The City National Bank of Sulphur Springs | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Southside Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARKSDALE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 81.8% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 42.9% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Guaranty Bank & Trust, N.A. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The American National Bank of Texas | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Telco Plus Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 76.2% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 76.9% |
| UNITED BUILT HOMES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Cypress Bank, SSB | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bodcaw Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cooperative Teachers Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Broadstreet Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLM MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank of Texas, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY RESOURCE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEXAR FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Primis Mortgage Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| A+ Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TEXANS | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Texas National Bank of Jacksonville | 0 | Under 10 loans | Under 10 loans | 100.0% |
| STOCKTON MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| THE LOAN STORE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| HomePromise Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cross Keys Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STANDARD MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Gateway First Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First Liberty Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Wolfe Financial, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Simple, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| TEXELL Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Centennial Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First United Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| EFINITY FINANCIAL INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| KELLY COMMUNITY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| American Momentum Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| BLACK HILLS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LoanUnited.com, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Jefferson Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texas Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| HANCOCK WHITNEY BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| Radiant Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| ROGUE CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Charles Schwab Bank, SSB | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Upshur County
11 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The First National Bank of East Texas | 4 | $303.7 million |
| Texas Heritage National Bank | 2 | $415.1 million |
| Austin Bank, Texas National Association | 2 | $91.5 million |
| Gilmer National Bank, Gilmer, Texas | 1 | $310.5 million |
| Prosperity Bank | 1 | $34.0 million |
| The First National Bank of Hughes Springs | 1 | $12.9 million |
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When the next year’s lending figures are out for Upshur 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.