Mortgage Lenders and Brokers in Franklin, Texas
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Franklin, Texas mortgage lenders include First Financial BankFirst Financial Bank100 West Dechard Street, Franklin, TX 77856A+5.0 ★Texas Ratio: 3.74%, First National Bank of HuntsvilleFirst National Bank of Huntsville1041 W Decherd, Franklin, TX 77856A+5.0 ★Texas Ratio: 0.37%, SouthStar Bank SSBSouthStar Bank SSB702 W Us Highway 79, Franklin, TX 77856A5.0 ★Texas Ratio: 7.03%, Wells Fargo Bank NAWells Fargo Bank NA208 E Us Highway 79, Franklin, TX 77856A+5.0 ★Texas Ratio: 5.36%, The Brenham National BankThe Brenham National Bank2211 S Day St, Brenham, TX 77833A5.0 ★Texas Ratio: 8.69%, Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%, Verabank,N.A.Verabank,N.A.739 E Tyler St, Athens, TX 75751A+5.0 ★Texas Ratio: 5.54%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, and American Momentum BankAmerican Momentum Bank200 S Main St, Andrews, TX 79714A5.0 ★Texas Ratio: 12.55%. 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 Franklin, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, Texas
Market share is the lender's share of all home loans closed in Franklin, 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 |
|---|---|---|---|---|---|---|
|
1 office in Franklin 100 West Dechard Street, Franklin, TX 77856 A+5.0 ★Texas Ratio: 3.74% |
Conventional, FHA, HELOC | 8 +4 HELOCs |
7.6% | 100% | $395,000 | View |
|
1 office in Franklin 1041 W Decherd, Franklin, TX 77856 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 7 | 6.7% | 88.9% | $312,142 | View |
|
★ 5 stars, 1 review 1 office in Franklin 702 W Us Highway 79, Franklin, TX 77856 A5.0 ★Texas Ratio: 7.03% |
Conventional | 1 | 1% | 100% | $695,000 | View |
|
1 office in Franklin 208 E Us Highway 79, Franklin, TX 77856 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 100% | $485,000 | View |
|
2211 S Day St, Brenham, TX 77833 A5.0 ★Texas Ratio: 8.69% |
Conventional | 3 | 2.9% | 100% | $231,666 | View |
|
★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 3 | 2.9% | 100% | $311,666 | View |
|
739 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 3 | 2.9% | 100% | $305,000 | View |
|
123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, FHA | 2 | 1.9% | 100% | $165,000 | View |
|
3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $575,000 | View |
|
200 S Main St, Andrews, TX 79714 A5.0 ★Texas Ratio: 12.55% |
Conventional | 1 | 1% | 100% | $325,000 | View |
|
493 Highway 71 W, Bastrop, TX 78602 A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1% | 100% | $135,000 | View |
|
11701 Luna Rd, Farmers Branch, TX 75234 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 1% | 100% | $555,000 | View |
|
2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 1% | 100% | $215,000 | View |
|
16475 Dallas Pkwy, Addison, TX 75001 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 1% | 100% | $215,000 | View |
|
15455 Memorial Dr Ste 200, Houston, TX 77079 4136 A+5.0 ★Texas Ratio: 4.99% |
Conventional | 1 | 1% | 100% | $375,000 | View |
|
1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
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 | |
Credit Human Federal Credit Un
|
Conventional | 2 | 1.9% | 44.4% | $130,000 | |
Loanpeople, LLC
|
FHA, VA | 2 | 1.9% | 100% | $305,000 | |
Primelending
|
Conventional | 1 | 1% | 100% | $215,000 | |
Houston TX Fire Fighters FCU
|
Conventional | 1 | 1% | 100% | $25,000 | |
Encompass Lending Group, L.P.
|
Conventional | 1 | 1% | 100% | $735,000 | |
Nationstar Mortgage
|
Conventional | 1 | 1% | 100% | $45,000 | |
|
B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 9 | 8.6% | 64.3% | $350,555 | View |
Calcon Mutual Mortgage LLC
|
Conventional, VA | 7 | 6.7% | 100% | $420,714 | |
21St Mortgage
|
Conventional | 6 | 5.7% | 66.7% | $196,666 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 6 | 5.7% | 85.7% | $116,666 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 3 | 2.9% | 60% | $345,000 | |
Southwest Stage Funding LLC
|
Conventional, VA | 3 | 2.9% | 100% | $208,333 | |
Cmg Mortgage Inc
|
Conventional, USDA | 2 | 1.9% | 100% | $260,000 | |
Farm Credit Mid-America, Aca
|
Conventional | 2 | 1.9% | 100% | $610,000 | |
|
A+5.0 ★Texas Ratio: 4.84% |
VA | 1 | 1% | 100% | $355,000 | View |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 1% | 100% | $145,000 | View |
American Portfolio Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $625,000 | |
American Financial Resources LLC
|
FHA | 1 | 1% | 100% | $355,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 1% | 100% | $55,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 1% | 50% | $325,000 | |
Freedom Mortgage Corporation
|
FHA | 1 | 1% | 100% | $275,000 | |
Hamilton Mortgage Corporation
|
FHA | 1 | 1% | 50% | $415,000 | |
Compeer Financial
|
Conventional | 1 | 1% | 100% | $205,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1% | 100% | $385,000 | View |
TruHome Solutions, LLC
|
Conventional | 1 | 1% | 100% | $205,000 | |
AmeriHome Mortgage Company, LLC
|
Conventional | 1 | 1% | 100% | $195,000 | |
Movement Mortgage, LLC
|
Conventional | 1 | 1% | 100% | $365,000 | |
Oaktree Funding Corp
|
Conventional | 1 | 1% | 100% | $695,000 | |
|
A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1% | 50% | $155,000 | View |
Synergy One Lending, Inc.
|
Conventional | 1 | 1% | 100% | $255,000 | |
United Built Homes, LLC
|
Conventional | 1 | 1% | 100% | $345,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 1% | 100% | $255,000 | |
Churchill Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $535,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 1 | 1% | 100% | $255,000 | |
Zillow Home Loans, LLC
|
FHA | 1 | 1% | 100% | $205,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1% | 50% | $25,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $305,000 | |
Spring Eq, LLC
|
Conventional | 1 | 1% | 100% | $105,000 |
Franklin 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 Franklin, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklin, TX
Use these to narrow the list above. Each category shows how many Franklin, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Franklin, TX
Independent mortgage companies closed 61.9 percent of home loans in Franklin, Texas in 2025, banks 32.4 percent and credit unions 5.7 percent. Pilgrim Mortgage LLC was the largest mortgage company, First Financial Bank the largest bank and Bp Federal Credit Union the largest credit union. Among lenders headquartered in Texas, First Financial Bank led with 8 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 Franklin, TX
By home loans closed in 2025, First Financial Bank was the largest mortgage lender in Franklin, Texas with 8 loans, about 7.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Franklin, Texas in 2025, led by First Financial Bank with 4. 5 lenders closed VA loans, led by Calcon Mutual Mortgage LLC, 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. 16 banks and 6 credit unions closed home loans in Franklin, Texas in 2025, alongside 33 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 Franklin, 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 Franklin, 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 Franklin. 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.
