Mortgage Lenders and Brokers in Harrold, 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
Harrold, Texas mortgage lenders include Waggoner National BankWaggoner National Bank401 W Front Ave, Electra, TX 76360A+5.0 ★Texas Ratio: 2.78%, Texoma Community Credit UnionTexoma Community Credit Union3800 Sheppard Access Rd, Wichita Falls, TX 76306A+5.0 ★Texas Ratio: 4.93%, Network Funding, L.P.Network Funding, L.P.Houston, TX, Triad Financial Services, Inc.Triad Financial Services, Inc.A+5.0 ★Texas Ratio: 5.06%, Flat Branch Mortgage, Inc., Rocket MortgageRocket MortgageB+4.7 ★Texas Ratio: 18.17%, and 21St Mortgage. 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 Harrold, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harrold 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 Harrold, Texas
Market share is the lender's share of all home loans closed in Harrold, 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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401 W Front Ave, Electra, TX 76360 A+5.0 ★Texas Ratio: 2.78% |
Conventional | 7 | 46.7% | 100% | $117,857 | View |
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3800 Sheppard Access Rd, Wichita Falls, TX 76306 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 1 | 6.7% | 100% | $35,000 | View |
Network Funding, L.P.
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Conventional | 1 | 6.7% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 13.3% | 100% | $165,000 | View |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 2 | 13.3% | 100% | $180,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 1 | 6.7% | 100% | $145,000 | View |
21St Mortgage
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Conventional | 1 | 6.7% | 20% | $95,000 |
Harrold 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 Harrold, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Harrold? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harrold in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harrold, TX
Use these to narrow the list above. Each category shows how many Harrold, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Harrold, TX
Independent mortgage companies closed 46.7 percent of home loans in Harrold, Texas in 2025, banks 46.7 percent and credit unions 6.7 percent. Network Funding, L.P. was the largest mortgage company, Waggoner National Bank the largest bank and Texoma Community Credit Union the largest credit union. Among lenders headquartered in Texas, Waggoner National Bank led with 7 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 Harrold, TX
By home loans closed in 2025, Waggoner National Bank was the largest mortgage lender in Harrold, Texas with 7 loans, about 46.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in Harrold, Texas in 2025, led by Flat Branch Mortgage, Inc. with 1. 0 lenders closed VA 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. 1 banks and 1 credit unions closed home loans in Harrold, Texas in 2025, alongside 5 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 Harrold, 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 Harrold, 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 Harrold. 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.
