Mortgage Lenders and Brokers in Howe, 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
Howe, Texas mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association100 South Denny Street, Howe, TX 75459A+5.0 ★Texas Ratio: 2.27%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, The First National Bank of Tom BeanThe First National Bank of Tom Bean2203 W Main St, Clarksville, TX 75426, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, First BankFirst Bank900 Bailey Ranch Rd, Aledo, TX 76008A5.0 ★Texas Ratio: 6.67%, 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%, Jsc FCUJsc FCU877 E Highway 6, Alvin, TX 77511A+5.0 ★Texas Ratio: 5.77%, and Legend Bank, N.A.Legend Bank, N.A.110 Franklin Street, Alvord, TX 76225A+5.0 ★Texas Ratio: 0.92%. 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 Howe, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Howe 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 Howe, Texas
Market share is the lender's share of all home loans closed in Howe, 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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★ 5 stars, 1 review 1 office in Howe 100 South Denny Street, Howe, TX 75459 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 3 | 0.9% | 75% | $291,666 | View |
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705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, VA | 19 | 5.5% | 100% | $275,000 | View |
The First National Bank of Tom Bean
2203 W Main St, Clarksville, TX 75426 |
Conventional | 5 | 1.5% | 83.3% | $349,000 | |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $220,000 | 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 | 2 +1 HELOCs |
0.6% | 100% | $210,000 | View |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional, VA | 2 | 0.6% | 100% | $300,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 0.6% | 100% | $225,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA | 2 | 0.6% | 50% | $365,000 | View |
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877 E Highway 6, Alvin, TX 77511 A+5.0 ★Texas Ratio: 5.77% |
Conventional | 1 | 0.3% | 100% | $35,000 | View |
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110 Franklin Street, Alvord, TX 76225 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.3% | 100% | $595,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 0.3% | 100% | $105,000 | |
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4400 W Interstate 40, Amarillo, TX 79106 5940 A+5.0 ★Texas Ratio: 3.97% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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4040 N Central Expy Ste 100, Dallas, TX 75204 A+5.0 ★Texas Ratio: 2.52% |
Conventional | 1 | 0.3% | 100% | $415,000 | View |
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3720 Jefferson St, Austin, TX 78731 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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2109 N Center St, Bonham, TX 75418 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
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623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.3% | 100% | $155,000 | 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% | $225,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
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2626 N Loy Lake Rd, Sherman, TX 75090 B-4.3 ★Texas Ratio: 23.61% |
Conventional | 1 | 0.3% | 100% | $225,000 | 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 | |
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4101 Marathon Blvd, Austin, TX 78756 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 38 | 11.1% | 71.7% | $287,105 | |
Primelending
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Conventional, FHA, VA | 21 | 6.1% | 93.3% | $342,619 | |
Clm Mortgage, Inc
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Conventional, FHA | 7 | 2% | 100% | $310,714 | |
Sfmc, LP
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Conventional, FHA | 4 | 1.2% | 85.7% | $357,500 | |
Gardner Financial Services
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Conventional, FHA | 4 | 1.2% | 100% | $207,500 | |
Brookhollow Mortgage Services, Ltd
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FHA | 3 | 0.9% | 100% | $371,666 | |
Pikeview Mortgage, LLC
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Conventional, VA | 3 | 0.9% | 100% | $195,000 | |
Southwest Funding LP
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Conventional, FHA | 3 | 0.9% | 100% | $151,666 | |
Highlands Residential Mortgage, Ltd.
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FHA, VA | 2 | 0.6% | 100% | $545,000 | |
PrimeLending Ventures LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Wagon Hill Home Loans LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $295,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.3% | 100% | $465,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 35 | 10.2% | 89.7% | $190,714 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA, USDA | 31 | 9% | 86.1% | $256,290 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 15 | 4.4% | 88.9% | $358,333 | View |
21St Mortgage
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Conventional | 13 | 3.8% | 35.1% | $55,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 11 | 3.2% | 100% | $201,363 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 8 | 2.3% | 72.7% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 1.7% | 85.7% | $393,333 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 1.7% | 85.7% | $433,333 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 6 | 1.7% | 100% | $203,333 | |
The Loan Store, Inc
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Conventional | 5 | 1.5% | 100% | $259,000 | |
CrossCountry Mortgage, LLC
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FHA, HELOC | 4 +1 HELOCs |
1.2% | 100% | $250,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 1.2% | 66.7% | $417,500 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 3 | 0.9% | 100% | $365,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 3 | 0.9% | 100% | $198,333 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 0.9% | 75% | $358,333 | |
AmeriHome Mortgage Company, LLC
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Conventional | 3 | 0.9% | 100% | $371,666 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 0.9% | 50% | $51,666 | View |
Provident Funding Associates
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Conventional | 3 | 0.9% | 100% | $305,000 | |
Paramount Residential Mortgage
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FHA, VA | 3 | 0.9% | 100% | $281,666 | |
Newrez LLC
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Conventional | 2 | 0.6% | 100% | $150,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.6% | 100% | $370,000 | |
Mortgage Research Center
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VA | 2 | 0.6% | 50% | $565,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.6% | 66.7% | $145,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.3% | 66.7% | $245,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $595,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.3% | 50% | $205,000 | View |
American Financial Network, Inc.
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,295,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $45,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.3% | 100% | $445,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $325,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Premier Lending Inc.
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VA | 1 | 0.3% | 100% | $275,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.3% | 100% | $515,000 | |
T2 Financial LLC
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VA | 1 | 0.3% | 100% | $335,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 1 | 0.3% | 50% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $275,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.3% | 100% | $405,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 50% | $115,000 | |
Lower, LLC
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Conventional | 1 | 0.3% | 100% | $175,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 100% | $405,000 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.3% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.3% | 33.3% | $335,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Loan Simple, Inc.
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Conventional | 1 | 0.3% | 50% | $255,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.3% | 100% | $315,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $645,000 | |
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 |
Howe 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 Howe, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Howe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Howe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Howe, TX
Use these to narrow the list above. Each category shows how many Howe, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Howe, TX
Independent mortgage companies closed 83.7 percent of home loans in Howe, Texas in 2025, banks 14.9 percent and credit unions 1.5 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, Southstate Bank, National Association the largest bank and Jsc FCU the largest credit union. Among lenders headquartered in Texas, Velocio Mortgage, L.L.C. 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 Howe, TX
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Howe, Texas with 3 loans, about 0.9 percent of the market. The largest lender headquartered in Texas was Velocio Mortgage, L.L.C. with 19 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Howe, Texas in 2025, led by DHI Mortgage Company, LTD. with 27. 20 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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. 21 banks and 6 credit unions closed home loans in Howe, Texas in 2025, alongside 65 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 Howe, 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 Howe, 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 Howe. 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.
