Home purchase lenders in Waller County
2,060 home purchase mortgages were made in Waller County, Texas, in 2025, by 291 lenders. The median rate their borrowers got was 5.990% on a median loan of $285,000. Of 2,912 decisions, 723 were denials — 24.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 433 | 4.250% | $255,000 | 23.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 94 | 6.624% | $290,000 | 17.5% |
| CALCON MUTUAL MORTGAGE LLC | 81 | 5.375% | $285,000 | 40.0% |
| KBHS HOME LOANS, LLC | 64 | 6.375% | $285,000 | 13.5% |
| Rocket Mortgage, LLC | 59 | 6.250% | $285,000 | 10.6% |
| VELOCIO MORTGAGE L.L.C. | 53 | 4.990% | $275,000 | 7.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 51 | 5.490% | $285,000 | 0.0% |
| CMG MORTGAGE, INC. | 40 | 6.500% | $300,000 | 6.5% |
| TOWNE MORTGAGE COMPANY | 40 | 5.875% | $290,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 38 | 4.245% | $275,000 | 23.5% |
| 21st Mortgage Corporation | 36 | 10.290% | $125,000 | 71.4% |
| Loandepot.Com, LLC | 31 | 5.875% | $265,000 | 22.5% |
| INTERLINC MORTGAGE SERVICES, LLC | 31 | 5.500% | $335,000 | 3.1% |
| Broker Solutions, Inc. | 28 | 6.563% | $275,000 | 0.0% |
| STONE MEADOW LENDING, LLC | 28 | 6.063% | $285,000 | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 27 | 10.450% | $115,000 | 56.1% |
| CLM MORTGAGE, INC. | 27 | 5.250% | $415,000 | 6.1% |
| SFMC, LP | 26 | 5.438% | $375,000 | 6.1% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 26 | 5.490% | $325,000 | 6.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 25 | 10.500% | $105,000 | 64.4% |
| CORNERSTONE CAPITAL BANK, SSB | 25 | 5.875% | $335,000 | 10.7% |
| Paramount Residential Mortgage Group, Inc. | 24 | 6.058% | $460,000 | 4.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.575% | $325,000 | 0.0% |
| NETWORK FUNDING, L.P. | 22 | 4.990% | $375,000 | 8.0% |
| KIND LENDING, LLC | 18 | 6.870% | $315,000 | 21.7% |
| JPMorgan Chase Bank, National Association | 17 | 6.125% | $405,000 | 10.5% |
| 2549004YKXDDHUWUOH37 | 17 | 5.490% | $365,000 | 0.0% |
| Cadence Bank | 16 | 6.313% | $510,000 | 0.0% |
| Synergy One Lending, Inc. | 15 | 6.250% | $345,000 | 11.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 14 | 5.990% | $520,000 | 10.5% |
| Navy Federal Credit Union | 14 | 6.000% | $375,000 | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 14 | 5.158% | $320,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 13 | 6.500% | $375,000 | 7.1% |
| AMWEST FUNDING CORP. | 13 | 7.000% | $215,000 | 0.0% |
| GRACE HOME LENDING, LLC | 13 | 6.375% | $455,000 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 12 | 6.813% | $310,000 | 7.7% |
| NFM, INC. | 12 | 6.625% | $290,000 | 0.0% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 11 | 6.125% | $465,000 | 0.0% |
| Heritage Mortgage, LLC | 11 | 6.250% | $325,000 | 8.3% |
| OCMBC, INC. | 11 | 7.999% | $255,000 | 0.0% |
| DAS Acquisition Company, LLC | 11 | 6.875% | $265,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 5.813% | $475,000 | 21.4% |
| THE LOAN STORE, INC. | 10 | 6.813% | $255,000 | 15.4% |
| Click n' Close, Inc. | 10 | 6.875% | $290,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| PULTE MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900J2RKTTDJSUWD76 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| COLINA MORTGAGE GROUP, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ENCOMPASS LENDING GROUP, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 11.1% |
| FocusOne Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 28.6% |
| JSC Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL LENDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Austin County State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLAND HOMELOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE MORTGAGE PROVIDERS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Stellar Bank | 3 | Under 10 loans | Under 10 loans | 42.9% |
| MORTGAGE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DIRECTIONS EQUITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOKF, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Commerce | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 70.7% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 87.8% |
| Trustmark National Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Taylor Morrison Home Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CONTOUR MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SMART CHOICE MORTGAGE, A Texas Limited Liability Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SERVICE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BRAZOS VALLEY SCHOOLS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Frost Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIVEPOINT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Zions Bancorporation, N.A. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARKSTONE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Constant Investments, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Coast Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ASSOCIATED MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BP Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Austin Bank, Texas National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| H E B Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NUMARK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEWAY MORTGAGE LLC | 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 91 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.