Mortgage Lenders and Brokers in Copperas Cove, 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
Copperas Cove, Texas mortgage lenders include First National Bank TexasFirst National Bank Texas210 Constitution Dr, Copperas Cove, TX 76522A4.7 ★Texas Ratio: 3.20%, Extraco Banks, NAExtraco Banks, NA1003 E Business 190, Copperas Cove, TX 76522A+5.0 ★Texas Ratio: 0.26%, First Texas BankFirst Texas Bank90 East Highway 190, Copperas Cove, TX 76522A+5.0 ★Texas Ratio: 5.87%, Spark Mortgage, LLCSpark Mortgage, LLC3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Aspire Home LoansAspire Home Loans900 Pershing Ave, Lufkin, TX 75904A+5.0 ★Texas Ratio: 0.15%, Security Bank of TexasSecurity Bank of Texas3600 N Capital Of Texas Highway, Austin, TX 78746A5.0 ★Texas Ratio: 12.78%, Texell Credit UnionTexell Credit Union416 Lake Rd, Belton, TX 76513A+5.0 ★Texas Ratio: 3.98%, and A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%. 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 Copperas Cove, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Copperas Cove 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 Copperas Cove, Texas
Market share is the lender's share of all home loans closed in Copperas Cove, 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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3 offices in Copperas Cove 210 Constitution Dr, Copperas Cove, TX 76522 A4.7 ★Texas Ratio: 3.20% |
Conventional, FHA, VA | 42 | 4.1% | 100% | $249,761 | View |
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1 office in Copperas Cove 1003 E Business 190, Copperas Cove, TX 76522 A+5.0 ★Texas Ratio: 0.26% |
Conventional, VA | 4 | 0.4% | 66.7% | $135,000 | View |
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1 office in Copperas Cove 90 East Highway 190, Copperas Cove, TX 76522 A+5.0 ★Texas Ratio: 5.87% |
Conventional | 4 | 0.4% | 57.1% | $155,000 | View |
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3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
Conventional, FHA, VA | 54 | 5.3% | 100% | $317,222 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 8 | 0.8% | 66.7% | $208,750 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 7 | 0.7% | 87.5% | $137,857 | View |
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900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15% |
VA | 3 | 0.3% | 100% | $268,333 | View |
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3600 N Capital Of Texas Highway, Austin, TX 78746 A5.0 ★Texas Ratio: 12.78% |
Conventional | 3 | 0.3% | 100% | $268,333 | View |
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416 Lake Rd, Belton, TX 76513 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 3 | 0.3% | 75% | $41,666 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 3 | 0.3% | 57.1% | $105,000 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional | 3 | 0.3% | 75% | $211,666 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +3 HELOCs |
0.2% | 100% | $195,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, VA | 2 | 0.2% | 100% | $180,000 | View |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
FHA | 2 | 0.2% | 100% | $195,000 | |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 0.2% | 66.7% | $210,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
FHA | 1 | 0.1% | 100% | $235,000 | View |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.1% | 50% | $25,000 | View |
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100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
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401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
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1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 50% | $255,000 | View |
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201 E Robertson Ave, COPPERAS COVE, TX 76522 A+5.0 ★Texas Ratio: 0.19% |
Conventional | 1 | 0.1% | 100% | $25,000 | View |
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2801 N 6th St, Abilene, TX 79603 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.1% | 50% | $95,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 50% | $115,000 | View |
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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 | 1 | 0.1% | 100% | $125,000 | View |
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302 Main Street, Donie, TX 75838 A5.0 ★Texas Ratio: 10.82% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83% |
VA | 1 | 0.1% | 100% | $195,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 125 | 12.3% | 89.4% | $283,000 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 26 | 2.6% | 93.1% | $284,615 | |
First Continental Mortgage, Ltd.
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FHA, VA | 20 | 2% | 100% | $330,000 | |
Nationstar Mortgage
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Conventional, VA | 16 | 1.6% | 81% | $192,500 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 9 | 0.9% | 100% | $235,000 | |
Gardner Financial Services
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FHA, VA | 4 | 0.4% | 100% | $217,500 | |
Network Funding, L.P.
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Conventional, FHA | 3 | 0.3% | 100% | $158,333 | |
Highlands Residential Mortgage, Ltd.
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VA | 2 | 0.2% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 9.21% |
FHA | 1 | 0.1% | 100% | $265,000 | View |
Servis One, Inc
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
Southwest Funding LP
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VA | 1 | 0.1% | 100% | $315,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 85 | 8.4% | 76.8% | $242,058 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 67 | 6.6% | 93.1% | $235,149 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 63 | 6.2% | 89.6% | $269,126 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 55 | 5.4% | 79.7% | $181,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 33 | 3.3% | 66% | $162,575 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 31 | 3.1% | 95% | $280,806 | |
Newrez LLC
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Conventional, VA | 22 | 2.2% | 66.7% | $307,272 | |
Mortgage Solutions of Colorado
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VA | 22 | 2.2% | 95.8% | $259,090 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 17 | 1.7% | 100% | $235,588 | |
Leaderone Financial Corp.
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Conventional, FHA, VA | 17 | 1.7% | 89.5% | $225,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 16 | 1.6% | 100% | $153,125 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 15 | 1.5% | 79.2% | $173,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 13 +1 HELOCs |
1.3% | 86.7% | $185,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 13 | 1.3% | 100% | $273,461 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 11 | 1.1% | 100% | $193,181 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 10 | 1% | 54.2% | $106,000 | |
Guaranteed Rate Affinity, LLC
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FHA, VA | 8 | 0.8% | 88.9% | $256,250 | |
Equity Prime Mortgage LLC
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FHA, VA | 8 | 0.8% | 80% | $276,250 | |
Kind Lending, LLC
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Conventional, FHA, VA | 8 | 0.8% | 88.9% | $238,750 | |
Mutual of Omaha Mortgage
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Conventional, VA | 8 | 0.8% | 90% | $230,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 7 | 0.7% | 100% | $273,571 | |
Wolfe Financial Inc
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FHA, VA | 7 | 0.7% | 100% | $186,428 | |
Village Capital & Investment
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FHA, VA | 7 | 0.7% | 90% | $279,285 | |
Cadence Bank
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Conventional, VA, HELOC | 6 +3 HELOCs |
0.6% | 60% | $445,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 6 | 0.6% | 60% | $115,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 4 | 0.4% | 63.6% | $110,000 | View |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 4 | 0.4% | 36.4% | $122,500 | View |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 4 | 0.4% | 100% | $190,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +3 HELOCs |
0.3% | 75% | $78,333 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 3 +2 HELOCs |
0.3% | 50% | $188,333 | |
Residential Wholesale Mortgage
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Conventional, VA | 3 | 0.3% | 100% | $221,666 | |
PHH Mortgage Corporation
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Conventional | 3 | 0.3% | 75% | $158,333 | |
Loanunited.Com, LLC
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VA | 3 | 0.3% | 100% | $265,000 | |
Lennar Mortgage, LLC
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VA | 3 | 0.3% | 50% | $291,666 | |
Planet Home Lending, LLC
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VA | 3 | 0.3% | 50% | $248,333 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 3 | 0.3% | 50% | $81,666 | View |
The Loan Store, Inc
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Conventional | 3 | 0.3% | 100% | $118,333 | |
Paramount Residential Mortgage
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VA | 3 | 0.3% | 100% | $245,000 | |
Goprime Mortgage, Inc.
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VA | 3 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.2% | 66.7% | $210,000 | View |
American Financial Resources LLC
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VA | 2 | 0.2% | 100% | $210,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.2% | 50% | $85,000 | |
Lakeview Loan Servicing, LLC
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VA | 2 | 0.2% | 39.1% | $195,000 | |
Canopy Mortgage, LLC
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Conventional, VA | 2 | 0.2% | 100% | $210,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 2 | 0.2% | 100% | $275,000 | |
Securitynational Mortgage Company
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FHA, VA | 2 | 0.2% | 100% | $185,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 2 | 0.2% | 100% | $160,000 | View |
Nations Lending Corporation
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VA | 2 | 0.2% | 100% | $335,000 | |
Southwest Stage Funding LLC
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Conventional, VA | 2 | 0.2% | 66.7% | $265,000 | |
21St Mortgage
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Conventional | 2 | 0.2% | 15.4% | $110,000 | |
Loan Simple, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $95,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA, VA | 2 | 0.2% | 100% | $175,000 | |
American Portfolio Mortgage Corporation
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VA | 1 | 0.1% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
Neighborhood Loans, Inc
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Conventional | 1 | 0.1% | 50% | $5,000 | |
Contour Mortgage Corporation
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VA | 1 | 0.1% | 100% | $215,000 | |
Brighton Bank
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VA | 1 | 0.1% | 100% | $175,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.1% | 50% | $245,000 | |
Resicentral LLC
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FHA | 1 | 0.1% | 100% | $145,000 | |
American Financial Network, Inc.
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VA | 1 | 0.1% | 50% | $145,000 | |
Platinum Eagle Mortgage, LLC
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VA | 1 | 0.1% | 100% | $245,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 14.3% | $65,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.1% | 100% | $385,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $185,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.1% | 100% | $275,000 | |
Nfm, Inc
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VA | 1 | 0.1% | 100% | $155,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Credence Funding Corporation
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VA | 1 | 0.1% | 100% | $195,000 | |
Better Mortgage Corporation
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VA | 1 | 0.1% | 50% | $165,000 | |
TowneBank
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VA | 1 | 0.1% | 100% | $535,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.1% | 50% | $335,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.1% | 28.6% | $275,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.1% | 33.3% | $425,000 | View |
Tammac Holdings Corporation
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Copperas Cove 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 Copperas Cove, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Copperas Cove? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Copperas Cove in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Copperas Cove, TX
Use these to narrow the list above. Each category shows how many Copperas Cove, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Copperas Cove, TX
Independent mortgage companies closed 85.7 percent of home loans in Copperas Cove, Texas in 2025, banks 9.2 percent and credit unions 5.1 percent. Spark Mortgage, LLC was the largest mortgage company, First National Bank Texas the largest bank and Texell Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank Texas led with 42 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 Copperas Cove, TX
By home loans closed in 2025, First National Bank Texas was the largest mortgage lender in Copperas Cove, Texas with 42 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Copperas Cove, Texas, Spark Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 82.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
37 lenders closed FHA loans in Copperas Cove, Texas in 2025, led by Fairway Independent Mort Corp with 27. 71 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 1 closed USDA rural loans. 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. 23 banks and 12 credit unions closed home loans in Copperas Cove, Texas in 2025, alongside 85 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 Copperas Cove, 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 Copperas Cove, 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 Copperas Cove. 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.
