Mortgage Lenders and Brokers in Harper, 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
Harper, Texas mortgage lenders include Security State Bank & TrustSecurity State Bank & Trust23596 West Highway 290, Harper, TX 78631A-5.0 ★Texas Ratio: 14.71%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, University Federal Credit UnionUniversity Federal Credit Union701 College Dr, Abilene, TX 79601A+5.0 ★Texas Ratio: 3.82%, 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%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.4650 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 3.72%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Firstmark Credit UnionFirstmark Credit Union610 W Main St, Fredericksburg, TX 78624 3132A+5.0 ★Texas Ratio: 4.40%, and FirstBank SouthwestFirstBank Southwest7433 Golden Pond Pl, Amarillo, TX 79121A+5.0 ★Texas Ratio: 4.08%. 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 Harper, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harper 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 Harper, Texas
Market share is the lender's share of all home loans closed in Harper, 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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1 office in Harper 23596 West Highway 290, Harper, TX 78631 A-5.0 ★Texas Ratio: 14.71% |
Conventional, Jumbo | 11 | 12% | 100% | $399,545 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 4 | 4.3% | 71.4% | $150,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 3 | 3.3% | 100% | $501,666 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 2 | 2.2% | 100% | $200,000 | 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, HELOC | 1 +1 HELOCs |
1.1% | 50% | $125,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $485,000 | View |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 1.1% | 100% | $295,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
FHA | 1 | 1.1% | 100% | $345,000 | View |
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610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40% |
Conventional, Jumbo | 1 | 1.1% | 50% | $955,000 | View |
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7433 Golden Pond Pl, Amarillo, TX 79121 A+5.0 ★Texas Ratio: 4.08% |
Conventional, Jumbo | 1 | 1.1% | 100% | $1,145,000 | View |
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118 West Bandera Road, Boerne, TX 78006 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 1 | 1.1% | 100% | $185,000 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 1.1% | 100% | $75,000 | View |
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911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 1.1% | 100% | $655,000 | View |
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1717 N Velasco St, Angleton, TX 77515 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.1% | 100% | $375,000 | 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 | |
Credit Human Federal Credit Un
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Conventional | 3 | 3.3% | 33.3% | $151,666 | |
American Airlines Federal Cred
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Conventional, Jumbo | 1 | 1.1% | 100% | $905,000 | |
Primelending
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Conventional | 1 | 1.1% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $515,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, Jumbo | 8 | 8.7% | 66.7% | $420,000 | View |
United Wholesale Mortgage
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Conventional, VA | 5 | 5.4% | 100% | $441,000 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 4 | 4.3% | 100% | $377,500 | |
AmeriHome Mortgage Company, LLC
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Conventional, VA | 3 | 3.3% | 75% | $535,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 3.3% | 72.7% | $151,666 | View |
21St Mortgage
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Conventional | 3 | 3.3% | 42.9% | $178,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.2% | 100% | $200,000 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 2.2% | 66.7% | $515,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 2 | 2.2% | 100% | $460,000 | View |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 2.2% | 66.7% | $560,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 2 | 2.2% | 100% | $1,160,000 | View |
New American Funding, LLC.
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Conventional | 2 | 2.2% | 100% | $455,000 | |
Farm Credit Mid-America, Aca
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Conventional | 2 | 2.2% | 50% | $395,000 | |
Southwest Stage Funding LLC
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FHA | 2 | 2.2% | 50% | $350,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1.1% | 100% | $285,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $295,000 | |
Newrez LLC
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Conventional, Jumbo | 1 | 1.1% | 25% | $1,455,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.1% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.1% | 100% | $375,000 | View |
American Financial Network, Inc.
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Conventional | 1 | 1.1% | 50% | $225,000 | |
American Financing Corporation
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Conventional | 1 | 1.1% | 100% | $165,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.1% | 100% | $485,000 | |
Stg Mortgage Inc
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FHA | 1 | 1.1% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 1.1% | 100% | $565,000 | |
New Fed Mortgage Corp.
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FHA | 1 | 1.1% | 100% | $155,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.1% | 100% | $505,000 | |
Lower, LLC
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Conventional | 1 | 1.1% | 100% | $305,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.1% | 16.7% | $155,000 | |
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A5.0 ★Texas Ratio: 13.97% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Harper 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 Harper, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Harper? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harper in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harper, TX
Use these to narrow the list above. Each category shows how many Harper, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Harper, TX
Independent mortgage companies closed 58.7 percent of home loans in Harper, Texas in 2025, banks 29.3 percent and credit unions 12 percent. Pilgrim Mortgage LLC was the largest mortgage company, Security State Bank & Trust the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Security State Bank & Trust led with 11 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 Harper, TX
By home loans closed in 2025, Security State Bank & Trust was the largest mortgage lender in Harper, Texas with 11 loans, about 12 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Harper, Texas in 2025, led by V.I.P. Mortgage, Inc. with 2. 5 lenders closed VA loans, led by United Wholesale Mortgage. 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. 13 banks and 7 credit unions closed home loans in Harper, Texas in 2025, alongside 28 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 Harper, 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 Harper, 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 Harper. 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.
