Mortgage Lenders and Brokers in Graham, 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
Graham, Texas mortgage lenders include Ciera BankCiera Bank623 Elm St, Graham, TX 76450A5.0 ★Texas Ratio: 8.39%, InterbankInterbank455 Elm St, Graham, TX 76450A5.0 ★Texas Ratio: 11.26%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Texoma Community Credit UnionTexoma Community Credit Union3800 Sheppard Access Rd, Wichita Falls, TX 76306A+5.0 ★Texas Ratio: 4.93%, Rally Credit UnionRally Credit Union1317 W Frontage Rd, Alamo, TX 78516 2388A+5.0 ★Texas Ratio: 4.20%, Texas D P S Credit UnionTexas D P S Credit Union621 W Saint Johns Ave, Austin, TX 78752 2315A+5.0 ★Texas Ratio: 0.67%, and Education Credit UnionEducation Credit Union4400 W Interstate 40, Amarillo, TX 79106 5940A+5.0 ★Texas Ratio: 3.97%. 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 Graham, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Graham 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 Graham, Texas
Market share is the lender's share of all home loans closed in Graham, 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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623 Elm St, Graham, TX 76450 A5.0 ★Texas Ratio: 8.39% |
Conventional | 9 | 7.9% | 81.8% | $195,000 | View |
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2 offices in Graham 455 Elm St, Graham, TX 76450 A5.0 ★Texas Ratio: 11.26% |
Conventional | 1 | 0.9% | 33.3% | $105,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 3 | 2.6% | 100% | $175,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, VA | 3 | 2.6% | 100% | $418,333 | 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 | 2 | 1.8% | 100% | $55,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $245,000 | View |
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3800 Sheppard Access Rd, Wichita Falls, TX 76306 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 0.9% | 100% | $45,000 | View |
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1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 0.9% | 100% | $185,000 | View |
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621 W Saint Johns Ave, Austin, TX 78752 2315 A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.9% | 100% | $35,000 | View |
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4400 W Interstate 40, Amarillo, TX 79106 5940 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 1 | 0.9% | 100% | $25,000 | View |
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449 S Trade Days Blvd, Canton, TX 75103 A+5.0 ★Texas Ratio: 3.78% |
Conventional | 1 | 0.9% | 100% | $375,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 0.9% | 100% | $235,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.9% | 100% | $135,000 | View |
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3641 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 0.9% | 100% | $385,000 | 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 | 0.9% | 100% | $315,000 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 0.9% | 100% | $55,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Windthorst Federal Credit Unio
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Conventional | 3 | 2.6% | 100% | $85,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.9% | 100% | $75,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 14 | 12.3% | 58.3% | $208,571 | View |
loanDepot.com LLC
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Conventional, FHA, VA | 8 | 7% | 80% | $158,750 | |
United Wholesale Mortgage
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Conventional, FHA | 7 | 6.1% | 87.5% | $193,571 | |
Mortgage Research Center
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VA | 7 | 6.1% | 100% | $209,285 | |
21St Mortgage
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Conventional | 6 | 5.3% | 50% | $135,000 | |
Flat Branch Mortgage, Inc.
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Conventional, VA | 5 | 4.4% | 100% | $237,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional, VA, USDA | 4 | 3.5% | 57.1% | $185,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 3 | 2.6% | 75% | $255,000 | |
Legacy Mortgage
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Conventional, FHA | 2 | 1.8% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 1.8% | 85.7% | $285,000 | View |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional, USDA | 2 | 1.8% | 100% | $205,000 | View |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.8% | 66.7% | $215,000 | |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $235,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 50% | $55,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.9% | 50% | $195,000 | |
Newrez LLC
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VA | 1 | 0.9% | 100% | $215,000 | |
Kind Lending, LLC
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FHA | 1 | 0.9% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.9% | 100% | $105,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.9% | 100% | $425,000 | View |
Cmg Mortgage Inc
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FHA | 1 | 0.9% | 100% | $135,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.9% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.9% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.9% | 100% | $125,000 | |
New American Funding, LLC.
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VA | 1 | 0.9% | 100% | $295,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.9% | 100% | $575,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.9% | 50% | $205,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.9% | 100% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.9% | 50% | $215,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $165,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.9% | 100% | $145,000 | View |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Graham 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 Graham, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Graham? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Graham in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Graham, TX
Use these to narrow the list above. Each category shows how many Graham, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Graham, TX
Independent mortgage companies closed 64 percent of home loans in Graham, Texas in 2025, banks 25.4 percent and credit unions 10.5 percent. Ark-La-Tex Financial Services LLC was the largest mortgage company, Ciera Bank the largest bank and Texoma Community Credit Union the largest credit union. Among lenders headquartered in Texas, Ciera Bank led with 9 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 Graham, TX
By home loans closed in 2025, Ciera Bank was the largest mortgage lender in Graham, Texas with 9 loans, about 7.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Graham, Texas in 2025, led by loanDepot.com LLC with 3. 10 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 14 banks and 9 credit unions closed home loans in Graham, Texas in 2025, alongside 29 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 Graham, 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 Graham, 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 Graham. 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.
