Mortgage Lenders and Brokers in Gainesville, 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
Gainesville, Texas mortgage lenders include First State BankFirst State Bank6586 Fm 902, Gainesville, TX 76240A5.0 ★Texas Ratio: 7.77%, First United Bank and Trust CoFirst United Bank and Trust Co101 E Broadway St, Gainesville, TX 76240A5.0 ★Texas Ratio: 10.43%, 4U Federal Credit Union4U Federal Credit Union1312 Lawrence St, Gainesville, TX 76240A+5.0 ★Texas Ratio: 0.34%, Prosperity BankProsperity Bank201 E California St, Gainesville, TX 76240A+5.0 ★Texas Ratio: 1.58%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, Texas Republic Bank, N.A.Texas Republic Bank, N.A.1212 S Preston Rd, Celina, TX 75009A5.0 ★Texas Ratio: 8.17%, DatcuDatcu8131 Gateway Dr, Argyle, TX 76226A+5.0 ★Texas Ratio: 0.64%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Southstate Bank, National AssociationSouthstate Bank, National Association3301 Fall Creek Hwy, Acton, TX 76049A+5.0 ★Texas Ratio: 2.27%, and Bokf NABokf NA792 S Watters Rd, Allen, TX 75013A+5.0 ★Texas Ratio: 1.05%. 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 Gainesville, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesville 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 Gainesville, Texas
Market share is the lender's share of all home loans closed in Gainesville, 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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2 offices in Gainesville 6586 Fm 902, Gainesville, TX 76240 A5.0 ★Texas Ratio: 7.77% |
Conventional, FHA, VA, USDA | 19 | 6.5% | 95% | $286,578 | View |
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1 office in Gainesville 101 E Broadway St, Gainesville, TX 76240 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA, HELOC | 15 +4 HELOCs |
5.1% | 80% | $283,000 | View |
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1312 Lawrence St, Gainesville, TX 76240 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 10 | 3.4% | 100% | $105,000 | View |
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★ 1 stars, 1 review 1 office in Gainesville 201 E California St, Gainesville, TX 76240 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional, FHA, VA, USDA | 47 | 16.1% | 96.2% | $275,425 | View |
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1212 S Preston Rd, Celina, TX 75009 A5.0 ★Texas Ratio: 8.17% |
Conventional | 2 | 0.7% | 100% | $440,000 | View |
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8131 Gateway Dr, Argyle, TX 76226 A+5.0 ★Texas Ratio: 0.64% |
Conventional | 2 | 0.7% | 66.7% | $285,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.7% | 100% | $160,000 | View |
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★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 0.7% | 100% | $235,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 50% | $365,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
Jacksboro National Bank
213 W Wise St, Bowie, TX 76230 |
Conventional | 1 | 0.3% | 100% | $385,000 | |
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3720 Jefferson St, Austin, TX 78731 A+5.0 ★Texas Ratio: 2.90% |
FHA | 1 | 0.3% | 100% | $235,000 | View |
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2007 S Day St, Brenham, TX 77833 A5.0 ★Texas Ratio: 12.20% |
Conventional | 1 | 0.3% | 100% | $205,000 | 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 | 0.3% | 100% | $125,000 | 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 | 0.3% | 100% | $205,000 | 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 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $170,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Primelending
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VA | 1 | 0.3% | 100% | $265,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.3% | 66.7% | $285,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Southwest Funding LP
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FHA | 1 | 0.3% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 24 | 8.2% | 100% | $230,833 | View |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 22 | 7.5% | 79.3% | $206,818 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 15 | 5.1% | 78.9% | $325,666 | |
21St Mortgage
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Conventional | 11 | 3.8% | 50% | $132,272 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 7 | 2.4% | 77.8% | $292,142 | |
Newrez LLC
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Conventional, FHA | 6 | 2.1% | 75% | $235,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 1.7% | 100% | $259,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, USDA | 5 | 1.7% | 100% | $265,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 4 | 1.4% | 100% | $217,500 | |
Securitynational Mortgage Company
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Conventional, FHA | 4 | 1.4% | 100% | $310,000 | |
Mortgage Research Center
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VA | 4 | 1.4% | 57.1% | $237,500 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 4 | 1.4% | 100% | $220,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 1% | 100% | $251,666 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1% | 57.1% | $201,666 | |
loanDepot.com LLC
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Conventional | 3 | 1% | 100% | $221,666 | |
Cardinal Financial Company, Li
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Conventional, FHA, VA | 3 | 1% | 100% | $351,666 | |
Sierra Pacific Mortgage Co. Inc
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Conventional, FHA | 3 | 1% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 1% | 100% | $371,666 | View |
Royal United Mortgage LLC
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Conventional | 2 | 0.7% | 100% | $85,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 2 | 0.7% | 100% | $190,000 | View |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 2 | 0.7% | 40% | $270,000 | View |
First Option Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $175,000 | |
Planet Home Lending, LLC
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Conventional | 2 | 0.7% | 100% | $220,000 | |
Towne Mortgage Company
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Conventional | 2 | 0.7% | 100% | $225,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.7% | 100% | $285,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.7% | 22.2% | $185,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
Goodleap, LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $555,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 33.3% | $165,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $435,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $145,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $285,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $505,000 | |
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A5.0 ★Texas Ratio: 6.11% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
Mortgage Financial Services
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VA | 1 | 0.3% | 100% | $315,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 33.3% | $175,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $225,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $315,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Lower, LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 100% | $325,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.3% | 100% | $585,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.3% | 66.7% | $245,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.3% | 100% | $55,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $145,000 | |
Loan Simple, Inc.
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USDA | 1 | 0.3% | 100% | $225,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.3% | 100% | $115,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.3% | 100% | $625,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.3% | 100% | $205,000 | View |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a |
Gainesville 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 Gainesville, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Gainesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gainesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gainesville, TX
Use these to narrow the list above. Each category shows how many Gainesville, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Gainesville, TX
Independent mortgage companies closed 58.9 percent of home loans in Gainesville, Texas in 2025, banks 36.6 percent and credit unions 4.5 percent. Click n' Close, Inc. was the largest mortgage company, First State Bank the largest bank and 4U Federal Credit Union the largest credit union. Among lenders headquartered in Texas, First State Bank led with 19 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 Gainesville, TX
By home loans closed in 2025, First State Bank was the largest mortgage lender in Gainesville, Texas with 19 loans, about 6.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Gainesville, Texas in 2025, led by American National Bank & Trust with 16. 13 lenders closed VA loans, led by United Wholesale Mortgage, and 5 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 4 credit unions closed home loans in Gainesville, Texas in 2025, alongside 56 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 Gainesville, 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 Gainesville, 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 Gainesville. 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.
