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Mortgage Lenders and Brokers in DeSoto, Texas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

DeSoto, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA900 N Polk St, Desoto, TX 75115A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA931 W Belt Line Rd, Desoto, TX 75115A+5.0 ★Texas Ratio: 4.14%, Bank of DeSoto, N. A.Bank of DeSoto, N. A.2011 N Hampton Rd, De Soto, TX 75115A5.0 ★Texas Ratio: 6.63%, PNC Bank N.A.PNC Bank N.A.225 N Hampton Rd, Desoto, TX 75115A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank209 E Pleasant Run Rd, Desoto, TX 75115A+5.0 ★Texas Ratio: 2.87%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Southstate Bank, National AssociationSouthstate Bank, National Association3301 Fall Creek Hwy, Acton, TX 76049A+5.0 ★Texas Ratio: 2.27%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, and First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%. 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 DeSoto, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in DeSoto 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 DeSoto, Texas

Market share is the lender's share of all home loans closed in DeSoto, 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
JPMorgan Chase Bank, NA 2 offices in DeSoto 900 N Polk St, Desoto, TX 75115 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	22	3.2%	88.5%	$236,363	View
Bank of America NA 2 offices in DeSoto 931 W Belt Line Rd, Desoto, TX 75115 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	13 +8 HELOCs	1.9%	100%	$281,153	View
Bank of DeSoto, N. A. 2011 N Hampton Rd, De Soto, TX 75115 A5.0 ★Texas Ratio: 6.63%	Conventional	1	0.1%	100%	$175,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in DeSoto 225 N Hampton Rd, Desoto, TX 75115 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review 1 office in DeSoto 209 E Pleasant Run Rd, Desoto, TX 75115 A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA	24	3.5%	92.3%	$328,333
Southstate Bank, National Association ★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27%	Conventional	10	1.4%	91.7%	$371,000	View
Wells Fargo Bank NA 3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	1.3%	69.2%	$162,777	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	5 +2 HELOCs	0.7%	27.8%	$97,000	View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	Conventional	5	0.7%	83.3%	$273,000	View
Texas Mortgage Lending, LLC 2828 Prince George Ave, DeSoto, TX 75115 2046 A+5.0 ★Texas Ratio: 3.34%	Conventional	4	0.6%	80%	$247,500	View
Texas Trust Credit Union 1021 E Pleasant Run Rd, Desoto, TX 75115 A5.0 ★Texas Ratio: 6.31%	Conventional	4	0.6%	66.7%	$152,500	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	3 +1 HELOCs	0.4%	83.3%	$91,666	View
LibertyOne Credit Union 2221 E Lamar Blvd Ste 110, Arlington, TX 76006 A5.0 ★Texas Ratio: 8.30%	Conventional	3	0.4%	100%	$101,666	View
Eecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73%	Conventional	3	0.4%	57.1%	$138,333	View
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional, FHA	3	0.4%	100%	$351,666	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	2	0.3%	66.7%	$370,000	View
MidFirst Bank 1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93%	Conventional	2	0.3%	100%	$650,000	View
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.3%	100%	$385,000	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	FHA, VA	2	0.3%	66.7%	$265,000	View
America'S Credit Union 4040 N Central Expy Ste 100, Dallas, TX 75204 A+5.0 ★Texas Ratio: 2.52%	Conventional	2	0.3%	50%	$185,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.3%	50%	$290,000	View
Prosperity Bank ★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58%	Conventional, FHA	2	0.3%	50%	$220,000	View
Texas Regional Bank 1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25%	Conventional	2	0.3%	100%	$275,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.3%	66.7%	$300,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, FHA	2	0.3%	100%	$340,000	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0.3%	100%	$640,000	View
Fort Worth Community Credit Union 2327 W Pleasant Ridge Rd, Arlington, TX 76015 4520	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$45,000
Alliance Credit Union 9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84%	Conventional	1	0.1%	100%	$315,000	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	FHA	1	0.1%	100%	$285,000	View
TBK Bank, SSB 12700 Park Central Dr, Dallas, TX 75251 A5.0 ★Texas Ratio: 8.52%	Conventional	1	0.1%	100%	$355,000	View
Lone Star Credit Union 1515 Fannin St Ste D, Columbus, TX 78934 A+5.0 ★Texas Ratio: 2.03%	Conventional	1	0.1%	100%	$85,000	View
Greater Texas FCU 1425 N CENTER ST, ARLINGTON, TX 76011	Conventional	1	0.1%	100%	$115,000
NBH Bank 3720 Jefferson St, Austin, TX 78731 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$565,000	View
Vantage Bank Texas 1785 Ruben M Torres Blvd, Brownsville, TX 78521 A5.0 ★Texas Ratio: 8.20%	Conventional	1	0.1%	100%	$285,000	View
Southwest Financial Federal Credit Union 1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024 A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0.1%	100%	$205,000	View
Simmons Bank 3641 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 5.33%	Conventional	1	0.1%	50%	$225,000	View
International Bank of Commerce 1421 W Frontage Rd, Alamo, TX 78516	Conventional	1	0.1%	100%	$285,000
East West Bank 2527 Royal Ln, Dallas, TX 75229 A+5.0 ★Texas Ratio: 2.84%	Conventional	1	0.1%	100%	$435,000	View
First Service Credit Union 3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$255,000	View
Origin Bank 384 E Stacy Rd, Allen, TX 75002 A5.0 ★Texas Ratio: 6.66%	Conventional	1	0.1%	100%	$275,000	View
American National Bank of Texa 720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41%	Conventional	1	0.1%	100%	$375,000	View
Credit Union of Texas 2828 Prince George Ave, DeSoto, TX 75115 2046 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +37 HELOCs	0%	n/a		View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +4 HELOCs	0%	0%		View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +3 HELOCs	0%	100%		View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	HELOC	0 +3 HELOCs	0%	0%		View
Nationstar Mortgage	Conventional, FHA, VA	9	1.3%	90%	$265,000
Sfmc, LP	Conventional, FHA	8	1.2%	88.9%	$300,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	6	0.9%	100%	$308,333
Jacqueline Montanez	Conventional	6	0.9%	100%	$101,666
SWBC Mortgage Corporation	Conventional, FHA	4	0.6%	100%	$202,500
Right Start Mortgage, Inc	FHA, VA	3	0.4%	100%	$331,666
Primelending	Conventional, FHA	2	0.3%	100%	$150,000
Willow Bend Mortgage Company, LLC	Conventional	2	0.3%	100%	$405,000
Network Funding, L.P.	Conventional, FHA	2	0.3%	60%	$215,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	FHA	2	0.3%	50%	$395,000	View
Envoy Mortgage, Ltd	FHA	1	0.1%	100%	$455,000
Capital Concepts Inc	Conventional	1	0.1%	100%	$335,000
Integrity Mortgage Corporation of Texas	FHA	1	0.1%	100%	$575,000
Gardner Financial Services	FHA	1	0.1%	100%	$285,000
Gsb Mortgage, Inc.	FHA	1	0.1%	100%	$355,000
Ark-La-Tex Financial Services LLC	Conventional	1	0.1%	100%	$205,000
Southwest Funding LP	FHA	1	0.1%	100%	$285,000
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	0%
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	75	10.8%	70.1%	$223,533	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	65	9.4%	84.6%	$350,384
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	33 +1 HELOCs	4.8%	97.1%	$506,515
Lower, LLC	Conventional, FHA, VA	30	4.3%	100%	$488,666
Pennymac Loan Services LLC	Conventional, FHA, VA	14	2%	73.7%	$222,142
American Portfolio Mortgage Corporation	Conventional, FHA, VA, Jumbo	13	1.9%	81.2%	$370,384
Mortgage Research Center	VA	13	1.9%	56.5%	$318,846
Newrez LLC	Conventional, VA	11	1.6%	37.9%	$234,090
New American Funding, LLC.	Conventional, FHA	11	1.6%	78.6%	$265,909
loanDepot.com LLC	Conventional, HELOC	10 +2 HELOCs	1.4%	61.1%	$235,000
Freedom Mortgage Corporation	Conventional, FHA, VA	9	1.3%	83.3%	$366,111
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	9	1.3%	100%	$218,333	View
Kind Lending, LLC	Conventional, FHA, VA	8	1.2%	88.9%	$327,500
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	8	1.2%	100%	$341,250
Paramount Residential Mortgage	Conventional, FHA	8	1.2%	100%	$297,500
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	7	1%	87.5%	$213,571	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	7	1%	25.8%	$169,285
21St Mortgage	Conventional	7	1%	29.2%	$76,428
The Mortgage Link, Inc.	Conventional, FHA	5	0.7%	100%	$287,000
Village Capital & Investment	FHA, VA	5	0.7%	100%	$469,000
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	4 +1 HELOCs	0.6%	100%	$330,000
Cornerstone First Mortgage, LLC	FHA, VA	4	0.6%	100%	$335,000
Lakeview Loan Servicing, LLC	FHA	4	0.6%	42.1%	$307,500
American Financial Network, Inc.	FHA	4	0.6%	100%	$327,500
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	FHA, VA	4	0.6%	100%	$375,000	View
Sun West Mortgage Company, Inc	FHA, VA	4	0.6%	83.3%	$420,000
Mortgage Solutions of Colorado	VA	4	0.6%	100%	$432,500
The Loan Store, Inc	Conventional	4	0.6%	100%	$267,500
Fairway Independent Mort Corp	Conventional, FHA, VA	4	0.6%	100%	$330,000
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.6%	19%	$55,000
Spring Eq, LLC	Conventional, HELOC	3 +3 HELOCs	0.4%	22.2%	$78,333
Goodleap, LLC	Conventional, HELOC	3 +1 HELOCs	0.4%	37.5%	$221,666
Cadence Bank	Conventional, FHA	3	0.4%	100%	$281,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	100%	$435,000	View
Premier Mortgage Resources, LLC	Conventional, FHA, VA	3	0.4%	100%	$375,000
Movement Mortgage, LLC	Conventional, FHA, VA	3	0.4%	100%	$181,666
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	3	0.4%	23.5%	$71,666	View
Synergy One Lending, Inc.	Conventional, FHA	3	0.4%	60%	$348,333
Zillow Home Loans, LLC	FHA, VA	3	0.4%	100%	$368,333
Prosperity Home Mortgage, LLC	Conventional, VA	3	0.4%	100%	$158,333
Carrington Mortgage Services LLC	Conventional	3	0.4%	37.5%	$231,666
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +2 HELOCs	0.3%	66.7%	$335,000
Neighborhood Loans, Inc	Conventional	2	0.3%	66.7%	$5,000
Equity Prime Mortgage LLC	FHA	2	0.3%	75%	$410,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	FHA	2	0.3%	66.7%	$270,000	View
PHH Mortgage Corporation	Conventional	2	0.3%	100%	$210,000
Home Mortgage Alliance Corp (Hmac)	Conventional, FHA	2	0.3%	100%	$175,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	2	0.3%	100%	$370,000	View
Discover Bank	Conventional	2	0.3%	33.3%	$100,000
New Wave Lending Group Inc	FHA	2	0.3%	100%	$365,000
American Financing Corporation	Conventional	2	0.3%	66.7%	$225,000
ClearPath Lending	VA	2	0.3%	100%	$520,000
Union Home Mortgage Corp.	Conventional	2	0.3%	100%	$275,000
Cardinal Financial Company, Li	Conventional	2	0.3%	50%	$420,000
Planet Home Lending, LLC	FHA, VA	2	0.3%	50%	$405,000
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.3%	100%	$660,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.3%	33.3%	$630,000
Better Mortgage Corporation	Conventional, FHA	2	0.3%	66.7%	$220,000
Summit Funding.Inc	Conventional, FHA	2	0.3%	100%	$150,000
JMAC Lending, Inc.	FHA	2	0.3%	100%	$430,000
Alliant Credit Union A+5.0 ★Texas Ratio: 4.84%	Conventional	1	0.1%	100%	$305,000	View
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$345,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	FHA	1	0.1%	100%	$255,000	View
Royal United Mortgage LLC	Conventional	1	0.1%	50%	$215,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	FHA	1	0.1%	100%	$375,000	View
Brighton Bank	VA	1	0.1%	100%	$415,000
Nbkc Bank	FHA	1	0.1%	100%	$315,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.1%	33.3%	$115,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$185,000	View
Assurance Financial Group, L.L.C.	VA	1	0.1%	100%	$535,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$115,000
Success Mortgage Partners, Inc	FHA	1	0.1%	100%	$195,000
Ahl Funding	Conventional	1	0.1%	100%	$225,000
Mortgage Financial Services	Conventional	1	0.1%	100%	$355,000
Das Acquisition Company, LLC	VA	1	0.1%	100%	$485,000
SIRVA Mortgage, Inc.	FHA	1	0.1%	100%	$495,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$255,000
Greenbox Loans	Conventional	1	0.1%	50%	$265,000
My Mortgage, Inc A+5.0 ★Texas Ratio: 3.89%	Conventional	1	0.1%	100%	$455,000	View
First Option Mortgage, LLC	Conventional	1	0.1%	100%	$175,000
Churchill Mortgage Corporation	FHA	1	0.1%	100%	$265,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$215,000	View
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$235,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$305,000	View
Bank Ozk	Conventional	1	0.1%	100%	$335,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$285,000	View
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$345,000
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$235,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	50%	$225,000	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$365,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	FHA	1	0.1%	100%	$395,000	View
Nexera Holding LLC	Conventional, Jumbo	1	0.1%	100%	$1,115,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$475,000	View
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$545,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	33.3%	$395,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$395,000
Champions Funding, LLC	Conventional	1	0.1%	50%	$245,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +6 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

DeSoto Mortgage Rate Trends

Daily average mortgage rates for Texas compared with the national average, updated every evening.

30-Year Fixed TX Avg

7.414%

▲ 0.066 vs 7 days ago

15-Year Fixed TX Avg

6.904%

▲ 0.023 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in DeSoto, Texas

Looking for mortgage lenders near me or mortgage brokers near me in DeSoto? The list below shows the banks, credit unions and mortgage brokers that closed home loans in DeSoto in 2025, with lenders based there listed first.

Types of Mortgage Lenders in DeSoto, TX

Use these to narrow the list above. Each category shows how many DeSoto, TX lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 96 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 50 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 19 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 66 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 38 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 49 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in DeSoto, TX

Independent mortgage companies closed 75.9 percent of home loans in DeSoto, Texas in 2025, banks 17.9 percent and credit unions 6.2 percent. Everett Financial, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Texas Mortgage Lending, LLC the largest credit union. Among lenders headquartered in Texas, Bank of DeSoto, N. A. led with 1 loans.

75.9%

Mortgage companies

17.9%

Banks

6.2%

Credit unions

26%

FHA loans

13%

VA 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

All Texas lenders 1,264 lenders Houston 690 lenders San Antonio 463 lenders Fort Worth 521 lenders Austin 484 lenders Dallas 513 lenders El Paso 275 lenders Celina 272 lenders Corpus Christi 261 lenders Lubbock 281 lenders Arlington 342 lenders Frisco 337 lenders New Braunfels 280 lenders

Frequently Asked Questions About Mortgage Lenders in DeSoto, TX

Who is the largest mortgage lender in DeSoto, TX?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in DeSoto, Texas with 22 loans, about 3.2 percent of the market. The largest lender headquartered in Texas was Bank of DeSoto, N. A. with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in DeSoto, TX have the highest approval rates?

Among lenders with meaningful volume in DeSoto, Texas, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 84.6 percent, against a 71.4 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.

Which DeSoto, TX mortgage lenders offer FHA, VA and USDA loans?

66 lenders closed FHA loans in DeSoto, Texas in 2025, led by United Wholesale Mortgage with 22. 38 lenders closed VA loans, led by Mortgage Research Center, 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.

Are credit unions and local banks included in this DeSoto, TX lender list?

Yes. 50 banks and 19 credit unions closed home loans in DeSoto, Texas in 2025, alongside 96 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.

How are mortgage lenders in DeSoto, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in DeSoto, 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 DeSoto, 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 DeSoto. 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.