Mortgage Lenders and Brokers in Elgin, 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
Elgin, Texas mortgage lenders include Frontier Bank of TexasFrontier Bank of Texas1213 Highway 290 E, Elgin, TX 78621A+5.0 ★Texas Ratio: 2.06%, The First National Bank of BasThe First National Bank of Bas1312 Highway 290 W, Elgin, TX 78621A+5.0 ★Texas Ratio: 2.19%, Prosperity BankProsperity Bank106 Roy Rivers Rd, Elgin, TX 78621A+5.0 ★Texas Ratio: 1.58%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, University Federal Credit UnionUniversity Federal Credit Union701 College Dr, Abilene, TX 79601A+5.0 ★Texas Ratio: 3.82%, and Verabank,N.A.Verabank,N.A.739 E Tyler St, Athens, TX 75751A+5.0 ★Texas Ratio: 5.54%. 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 Elgin, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elgin 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 Elgin, Texas
Market share is the lender's share of all home loans closed in Elgin, 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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1213 Highway 290 E, Elgin, TX 78621 A+5.0 ★Texas Ratio: 2.06% |
Conventional | 7 | 1% | 87.5% | $149,285 | View |
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1 office in Elgin 1312 Highway 290 W, Elgin, TX 78621 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 7 | 1% | 91.7% | $170,714 | View |
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★ 1 stars, 1 review 2 offices in Elgin 106 Roy Rivers Rd, Elgin, TX 78621 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 2 | 0.3% | 33.3% | $80,000 | View |
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705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, VA, USDA | 34 | 4.9% | 100% | $277,352 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional, VA, HELOC | 7 +1 HELOCs |
1% | 72.7% | $189,285 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional, FHA | 6 | 0.9% | 85.7% | $218,333 | |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 6 | 0.9% | 100% | $165,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 5 | 0.7% | 100% | $243,000 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 5 | 0.7% | 38.5% | $167,000 | View |
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739 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 4 | 0.6% | 80% | $252,500 | View |
International Bank of Commerce
1421 W Frontage Rd, Alamo, TX 78516 |
Conventional | 4 | 0.6% | 100% | $272,500 | |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.4% | 100% | $215,000 | View |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $120,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 40% | $185,000 | View |
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10806 Metric Blvd, Austin, TX 78758 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 2 | 0.3% | 100% | $100,000 | View |
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493 Highway 71 W, Bastrop, TX 78602 A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.3% | 100% | $80,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 2 | 0.3% | 100% | $260,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $255,000 | View |
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621 W Saint Johns Ave, Austin, TX 78752 2315 A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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11920 Alterra Pkwy, Austin, TX 78758 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
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900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15% |
FHA | 1 | 0.1% | 100% | $285,000 | 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% | 100% | $45,000 | View |
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306 E 10th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.1% | 50% | $65,000 | View |
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8929 Shoal Creek Blvd, Austin, TX 78757 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.1% | 50% | $25,000 | View |
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★ 5 stars, 1 review 10901 W Highway 290, Austin, TX 78736 A5.0 ★Texas Ratio: 7.03% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
FHA | 1 | 0.1% | 100% | $385,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.1% | 20% | $185,000 | View |
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1600 E Main St, Alice, TX 78332 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
Brightland Mortgage Services, Ltd.
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Conventional, FHA, VA | 43 | 6.2% | 100% | $336,395 | |
Clm Mortgage, Inc
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Conventional, FHA, VA | 25 | 3.6% | 100% | $333,000 | |
Interlinc Mortgage Services, LLC
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Conventional, FHA, VA | 13 | 1.9% | 86.7% | $340,384 | |
Primelending
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Conventional, FHA | 12 | 1.7% | 100% | $152,500 | |
SWBC Mortgage Corporation
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Conventional, FHA | 3 | 0.4% | 100% | $258,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 3 | 0.4% | 100% | $308,333 | |
DHI Mortgage Company, LTD.
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FHA | 3 | 0.4% | 100% | $331,666 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.1% | 100% | $345,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Genway Home Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $295,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.1% | 33.3% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 100% | $395,000 | |
Hometrust Mortgage Company
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FHA | 1 | 0.1% | 100% | $295,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, Jumbo | 188 | 27.3% | 97% | $265,585 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, USDA | 43 | 6.2% | 85.2% | $295,930 | View |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 34 | 4.9% | 55.7% | $242,941 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 25 | 3.6% | 80.6% | $282,200 | |
Homeamerican Mortgage Corporation
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Conventional, FHA, VA | 24 | 3.5% | 92.6% | $330,833 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 19 | 2.8% | 57.6% | $228,684 | View |
21St Mortgage
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Conventional | 8 | 1.2% | 40% | $120,000 | |
Stg Mortgage Inc
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FHA | 6 | 0.9% | 100% | $296,666 | |
Mortgage Research Center
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VA | 6 | 0.9% | 50% | $271,666 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 5 | 0.7% | 75% | $191,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 5 | 0.7% | 71.4% | $201,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 0.7% | 100% | $229,000 | |
Kbhs Home Loans, LLC
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FHA, VA | 4 | 0.6% | 66.7% | $285,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.6% | 100% | $285,000 | |
Newrez LLC
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Conventional, FHA | 4 | 0.6% | 44.4% | $207,500 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 4 | 0.6% | 100% | $282,500 | |
loanDepot.com LLC
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FHA | 4 | 0.6% | 12.9% | $322,500 | |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.6% | 80% | $322,500 | |
Cadence Bank
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Conventional | 3 | 0.4% | 100% | $311,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $191,666 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 0.4% | 54.2% | $121,666 | View |
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B+4.8 ★Texas Ratio: 17.16% |
FHA, VA | 3 | 0.4% | 100% | $401,666 | View |
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A+5.0 ★Texas Ratio: 2.58% |
FHA, VA | 3 | 0.4% | 75% | $398,333 | View |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 3 | 0.4% | 100% | $251,666 | |
Geo-Corp, Inc.
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FHA | 3 | 0.4% | 75% | $281,666 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.4% | 100% | $241,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $270,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.3% | 100% | $495,000 | |
United Built Homes, LLC
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Conventional | 2 | 0.3% | 100% | $320,000 | |
Union Home Mortgage Corp.
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FHA | 2 | 0.3% | 100% | $305,000 | |
First Option Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.3% | 22.2% | $250,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 2 | 0.3% | 66.7% | $250,000 | View |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 0.3% | 100% | $340,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $235,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $245,000 | |
ML Mortgage Corp.
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FHA | 1 | 0.1% | 100% | $375,000 | |
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A5.0 ★Texas Ratio: 12.33% |
VA | 1 | 0.1% | 100% | $385,000 | View |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.1% | 100% | $575,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $375,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 50% | $165,000 | View |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $465,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.1% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.1% | 16.7% | $235,000 | View |
American Financial Network, Inc.
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Mortgage Financial Services
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.1% | 100% | $275,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.1% | 100% | $345,000 | |
Castle & Cooke Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $405,000 | |
New Fed Mortgage Corp.
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FHA | 1 | 0.1% | 100% | $325,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Better Mortgage Corporation
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VA | 1 | 0.1% | 33.3% | $345,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $275,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
CSL Financial, LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.1% | 75% | $435,000 | |
Florida Capital Bank, N.A
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FHA | 1 | 0.1% | 100% | $335,000 | |
Paramount Residential Mortgage
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VA | 1 | 0.1% | 100% | $275,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 8.8% | $165,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.1% | 33.3% | $315,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 100% | $415,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elgin 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 Elgin, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Elgin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elgin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elgin, TX
Use these to narrow the list above. Each category shows how many Elgin, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Elgin, TX
Independent mortgage companies closed 85.6 percent of home loans in Elgin, Texas in 2025, banks 10.6 percent and credit unions 3.8 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, Frontier Bank of Texas the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Frontier Bank of Texas led with 7 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 Elgin, TX
By home loans closed in 2025, Frontier Bank of Texas was the largest mortgage lender in Elgin, Texas with 7 loans, about 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 Elgin, Texas, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 97 percent, against a 77.1 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.
50 lenders closed FHA loans in Elgin, Texas in 2025, led by Cmg Mortgage Inc with 95. 25 lenders closed VA loans, led by Cmg Mortgage Inc, and 4 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. 25 banks and 12 credit unions closed home loans in Elgin, Texas in 2025, alongside 77 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 Elgin, 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 Elgin, 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 Elgin. 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.
