Mortgage Lenders and Brokers in Harker Heights, 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
Harker Heights, Texas mortgage lenders include First National Bank TexasFirst National Bank Texas2020 Heights Dr, Harker Heights, TX 76548A4.7 ★Texas Ratio: 3.20%, Extraco Banks, NAExtraco Banks, NA100 W Central Texas Expy, Harker Heights, TX 76548A+5.0 ★Texas Ratio: 0.26%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA201 E Central Texas Expy, Harker Heights, TX 76548A+5.0 ★Texas Ratio: 3.68%, Security Bank of TexasSecurity Bank of Texas2006 S Ann Blvd, Harker Heights, TX 76548A5.0 ★Texas Ratio: 12.78%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, A+ Federal Credit UnionA+ Federal Credit Union400 W Central Texas Expy, Harker Heights, TX 76548 1745A5.0 ★Texas Ratio: 11.13%, Texell Credit UnionTexell Credit Union416 Lake Rd, Belton, TX 76513A+5.0 ★Texas Ratio: 3.98%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, and Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%. 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 Harker Heights, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harker Heights 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 Harker Heights, Texas
Market share is the lender's share of all home loans closed in Harker Heights, 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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3 offices in Harker Heights 2020 Heights Dr, Harker Heights, TX 76548 A4.7 ★Texas Ratio: 3.20% |
Conventional, FHA, VA | 29 | 5.2% | 100% | $298,793 | View |
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1 office in Harker Heights 100 W Central Texas Expy, Harker Heights, TX 76548 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 5 | 0.9% | 100% | $153,000 | View |
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1 office in Harker Heights 201 E Central Texas Expy, Harker Heights, TX 76548 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 0.4% | 100% | $335,000 | View |
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1 office in Harker Heights 2006 S Ann Blvd, Harker Heights, TX 76548 A5.0 ★Texas Ratio: 12.78% |
Conventional | 1 | 0.2% | 100% | $435,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 13 | 2.3% | 72.2% | $311,153 | View |
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400 W Central Texas Expy, Harker Heights, TX 76548 1745 A5.0 ★Texas Ratio: 11.13% |
Conventional, HELOC | 4 +1 HELOCs |
0.7% | 57.1% | $90,000 | View |
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416 Lake Rd, Belton, TX 76513 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 4 | 0.7% | 57.1% | $55,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 3 | 0.5% | 60% | $251,666 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA, VA | 2 | 0.4% | 100% | $250,000 | |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional, FHA | 2 | 0.4% | 50% | $120,000 | 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, HELOC | 1 +3 HELOCs |
0.2% | 100% | $395,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 50% | $135,000 | View |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
VA | 1 | 0.2% | 100% | $295,000 | View |
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8929 Shoal Creek Blvd, Austin, TX 78757 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
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1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $255,000 | View |
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610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
International Bank of Commerce
1421 W Frontage Rd, Alamo, TX 78516 |
Conventional | 1 | 0.2% | 100% | $55,000 | |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
FHA | 1 | 0.2% | 100% | $125,000 | |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
VA | 1 | 0.2% | 100% | $355,000 | View |
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100 N Key Ave, Lampasas, TX 76550 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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FHA, VA | 42 | 7.5% | 81.1% | $385,476 | |
Nationstar Mortgage
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Conventional, FHA, VA | 11 | 2% | 64.7% | $206,818 | |
Ark-La-Tex Financial Services LLC
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FHA, VA | 10 | 1.8% | 100% | $318,000 | |
SWBC Mortgage Corporation
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Conventional, VA | 7 | 1.2% | 100% | $319,285 | |
Zippy Loans, LLC
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Conventional | 2 | 0.4% | 50% | $25,000 | |
Primelending
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VA | 1 | 0.2% | 100% | $215,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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VA | 1 | 0.2% | 100% | $335,000 | |
Network Funding, L.P.
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FHA | 1 | 0.2% | 100% | $255,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.2% | 50% | $45,000 | |
Highlands Residential Mortgage, Ltd.
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VA | 1 | 0.2% | 100% | $335,000 | |
Loanpeople, LLC
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VA | 1 | 0.2% | 100% | $445,000 | |
Gardner Financial Services
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FHA | 1 | 0.2% | 100% | $325,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 49 | 8.7% | 87.5% | $316,428 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 47 | 8.3% | 88.7% | $304,361 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 43 | 7.6% | 95.6% | $303,604 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 30 | 5.3% | 66.7% | $181,666 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 23 | 4.1% | 65.7% | $198,478 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 20 | 3.6% | 87.1% | $300,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 2.3% | 77.8% | $225,000 | |
Mortgage Solutions of Colorado
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VA | 11 | 2% | 100% | $323,181 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 1.6% | 47.4% | $355,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 9 | 1.6% | 69.2% | $310,555 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 8 | 1.4% | 100% | $270,000 | |
Spring Eq, LLC
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Conventional, HELOC | 7 +1 HELOCs |
1.2% | 50% | $76,428 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 7 | 1.2% | 31.2% | $306,428 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 6 +5 HELOCs |
1.1% | 60% | $253,333 | |
CrossCountry Mortgage, LLC
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FHA, VA | 6 | 1.1% | 87.5% | $278,333 | |
Loanunited.Com, LLC
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VA | 6 | 1.1% | 66.7% | $373,333 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 6 | 1.1% | 85.7% | $341,666 | |
Cadence Bank
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Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
0.9% | 55.6% | $459,000 | |
Guaranteed Rate, Inc.
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VA, HELOC | 5 +1 HELOCs |
0.9% | 100% | $367,000 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 4 +3 HELOCs |
0.7% | 50% | $280,000 | |
Guaranteed Rate Affinity, LLC
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FHA, VA | 4 | 0.7% | 100% | $365,000 | |
Equity Prime Mortgage LLC
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VA | 4 | 0.7% | 57.1% | $372,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 0.7% | 41.7% | $87,500 | |
Leaderone Financial Corp.
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Conventional, VA | 4 | 0.7% | 100% | $387,500 | |
New American Funding, LLC.
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VA, HELOC | 3 +1 HELOCs |
0.5% | 75% | $301,666 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 0.5% | 38.5% | $131,666 | View |
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B+4.8 ★Texas Ratio: 17.16% |
FHA, VA | 3 | 0.5% | 100% | $208,333 | View |
Bay Equity LLC
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Conventional, VA | 3 | 0.5% | 100% | $268,333 | |
Planet Home Lending, LLC
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VA | 3 | 0.5% | 75% | $325,000 | |
The Loan Store, Inc
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Conventional, FHA, VA | 3 | 0.5% | 100% | $278,333 | |
Village Capital & Investment
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VA | 3 | 0.5% | 100% | $391,666 | |
American Neighborhood Mortgage Acceptance Company
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FHA, VA | 3 | 0.5% | 100% | $341,666 | |
Goodleap, LLC
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Conventional, VA, HELOC | 2 +1 HELOCs |
0.4% | 75% | $275,000 | |
Kbhs Home Loans, LLC
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VA | 2 | 0.4% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional, VA | 2 | 0.4% | 100% | $270,000 | |
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D3.3 ★Texas Ratio: 35.11% |
VA | 2 | 0.4% | 100% | $250,000 | View |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 2 | 0.4% | 22.2% | $175,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, VA | 2 | 0.4% | 80% | $225,000 | View |
Sun West Mortgage Company, Inc
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VA | 2 | 0.4% | 100% | $340,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 0.4% | 75% | $340,000 | |
Wolfe Financial Inc
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Conventional, VA | 2 | 0.4% | 100% | $470,000 | |
Paramount Residential Mortgage
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FHA, VA | 2 | 0.4% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
American Financial Resources LLC
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VA | 1 | 0.2% | 50% | $215,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Assemblies of God Credit Union
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Contour Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $315,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.2% | 100% | $325,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 50% | $145,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.2% | 100% | $375,000 | View |
Resicentral LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.2% | 50% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
City 1st Mortgage Services, LC
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VA | 1 | 0.2% | 100% | $435,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 14.3% | $165,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $435,000 | |
Securitynational Mortgage Company
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VA | 1 | 0.2% | 100% | $295,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.2% | 100% | $305,000 | |
Nfm, Inc
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FHA | 1 | 0.2% | 100% | $165,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $335,000 | |
Credence Funding Corporation
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VA | 1 | 0.2% | 100% | $455,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
Towne Mortgage Company
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VA | 1 | 0.2% | 100% | $365,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 50% | $255,000 | |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $175,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.2% | 100% | $205,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
Lower, LLC
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FHA | 1 | 0.2% | 100% | $295,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 10% | $35,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 20% | $185,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.2% | 100% | $265,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.2% | 100% | $335,000 | View |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Harker Heights 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 Harker Heights, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Harker Heights? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harker Heights in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harker Heights, TX
Use these to narrow the list above. Each category shows how many Harker Heights, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Harker Heights, TX
Independent mortgage companies closed 79 percent of home loans in Harker Heights, Texas in 2025, banks 13.1 percent and credit unions 7.8 percent. Everett Financial, Inc. was the largest mortgage company, First National Bank Texas the largest bank and A+ Federal Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank Texas led with 29 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 Harker Heights, TX
By home loans closed in 2025, First National Bank Texas was the largest mortgage lender in Harker Heights, Texas with 29 loans, about 5.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
32 lenders closed FHA loans in Harker Heights, Texas in 2025, led by Fairway Independent Mort Corp with 7. 65 lenders closed VA loans, led by Mortgage Research Center. 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. 21 banks and 10 credit unions closed home loans in Harker Heights, Texas in 2025, alongside 82 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 Harker Heights, 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 Harker Heights, 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 Harker Heights. 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.
