Mortgage Lenders and Brokers in China Spring, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
China Spring, Texas mortgage lenders include First National Bank of Central TexasFirst National Bank of Central Texas1645 Greens Prairie Rd W, College Station, TX 77845A+5.0 ★Texas Ratio: 0.97%, Susser BankSusser Bank2326 W Pleasant Ridge Rd, Arlington, TX 76015A+5.0 ★Texas Ratio: 3.02%, Genco Federal Credit UnionGenco Federal Credit Union230 N Frontage Rd, Lorena, TX 76655A+5.0 ★Texas Ratio: 0.63%, American Bank NAAmerican Bank NA100 S 4th St, Waco, TX 76701A+5.0 ★Texas Ratio: 0.07%, First National Bank of McgregorFirst National Bank of Mcgregor401 S Main St, Mc Gregor, TX 76657C3.8 ★Texas Ratio: 29.33%, First National Bank of Bosque CountyFirst National Bank of Bosque CountyHighway 6 And Riverside Drive, Clifton, TX 76634, Community Bank & TrustCommunity Bank & Trust1409 Wooded Acres Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 0.93%, Members Choice of Central Texas FCUMembers Choice of Central Texas FCU212 Virginia Ave, Marlin, TX 76661A+5.0 ★Texas Ratio: 0.22%, Extraco Banks, NAExtraco Banks, NA2000 N Main St, Belton, TX 76513A+5.0 ★Texas Ratio: 0.26%, and International Bank of CommerceInternational Bank of Commerce1421 W Frontage Rd, Alamo, TX 78516. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in China Spring, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in China Spring are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in China Spring, Texas
Market share is the lender's share of all home loans closed in China Spring, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 5 | 4.8% | 100% | $163,000 | View |
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2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02% |
Conventional, VA | 4 | 3.8% | 100% | $307,500 | View |
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230 N Frontage Rd, Lorena, TX 76655 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 3 | 2.9% | 100% | $155,000 | View |
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100 S 4th St, Waco, TX 76701 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 3 | 2.9% | 100% | $408,333 | View |
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401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33% |
Conventional | 3 | 2.9% | 100% | $235,000 | View |
First National Bank of Bosque County
Highway 6 And Riverside Drive, Clifton, TX 76634 |
Conventional | 3 | 2.9% | 100% | $138,333 | |
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1409 Wooded Acres Dr, Waco, TX 76710 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 2 | 1.9% | 100% | $275,000 | View |
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212 Virginia Ave, Marlin, TX 76661 A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 1.9% | 50% | $235,000 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 2 | 1.9% | 66.7% | $120,000 | View |
International Bank of Commerce
1421 W Frontage Rd, Alamo, TX 78516 |
Conventional | 2 | 1.9% | 100% | $425,000 | |
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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $475,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1% | 100% | $195,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 50% | $625,000 | View |
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2701 E Main St, Alice, TX 78332 A4.7 ★Texas Ratio: 3.20% |
Conventional | 1 | 1% | 100% | $255,000 | View |
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201 E Robertson Ave, COPPERAS COVE, TX 76522 A+5.0 ★Texas Ratio: 0.19% |
Conventional | 1 | 1% | 100% | $135,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
SWBC Mortgage Corporation
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Conventional, FHA | 7 | 6.7% | 87.5% | $403,571 | |
Primelending
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Conventional | 1 | 1% | 100% | $325,000 | |
Network Funding, L.P.
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FHA | 1 | 1% | 100% | $405,000 | |
Nationstar Mortgage
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Conventional | 1 | 1% | 100% | $755,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1% | 100% | $275,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 10 | 9.6% | 66.7% | $297,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 6.7% | 88.9% | $383,571 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 4.8% | 100% | $351,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 3 | 2.9% | 100% | $501,666 | |
Mortgage Research Center
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VA | 3 | 2.9% | 75% | $368,333 | |
Freedom Mortgage Corporation
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VA | 2 | 1.9% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 1.9% | 80% | $145,000 | View |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 2 | 1.9% | 100% | $520,000 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 1.9% | 100% | $145,000 | |
21St Mortgage
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Conventional | 2 | 1.9% | 40% | $135,000 | |
American Financial Resources LLC
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VA | 1 | 1% | 100% | $385,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 1% | 100% | $485,000 | View |
Deephaven Mortgage LLC
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Conventional | 1 | 1% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1% | 100% | $465,000 | View |
loanDepot.com LLC
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VA | 1 | 1% | 50% | $335,000 | |
Wallick and Volk, Inc.
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Conventional | 1 | 1% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1% | 100% | $465,000 | View |
Platinum Eagle Mortgage, LLC
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FHA | 1 | 1% | 100% | $275,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1% | 100% | $465,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 1% | 100% | $525,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 1% | 100% | $435,000 | |
Nfm, Inc
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FHA | 1 | 1% | 100% | $215,000 | |
Churchill Mortgage Corporation
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VA | 1 | 1% | 100% | $325,000 | |
Planet Home Lending, LLC
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VA | 1 | 1% | 100% | $495,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional, Jumbo | 1 | 1% | 100% | $1,175,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 1% | 100% | $245,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1% | 100% | $75,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 1% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1% | 33.3% | $95,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1% | 100% | $475,000 | |
Village Capital & Investment
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FHA | 1 | 1% | 100% | $395,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
China Spring Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in China Spring, Texas
Looking for mortgage lenders near me or mortgage brokers near me in China Spring? The list below shows the banks, credit unions and mortgage brokers that closed home loans in China Spring in 2025, with lenders based there listed first.
Types of Mortgage Lenders in China Spring, TX
Use these to narrow the list above. Each category shows how many China Spring, TX lenders fit and what that kind of lender is usually best for.
Who Lends in China Spring, TX
Independent mortgage companies closed 61.5 percent of home loans in China Spring, Texas in 2025, banks 31.7 percent and credit unions 6.7 percent. SWBC Mortgage Corporation was the largest mortgage company, First National Bank of Central Texas the largest bank and Genco Federal Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank of Central Texas led with 5 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in China Spring, TX
By home loans closed in 2025, First National Bank of Central Texas was the largest mortgage lender in China Spring, Texas with 5 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in China Spring, Texas in 2025, led by Fairway Independent Mort Corp with 2. 12 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 17 banks and 5 credit unions closed home loans in China Spring, Texas in 2025, alongside 32 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in China Spring, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in China Spring, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up China Spring. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
