Mortgage Lenders and Brokers in Josephine, 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
Josephine, Texas mortgage lenders include Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Texans Credit UnionTexans Credit Union406 W McDermott Dr, Allen, TX 75013 2708A+5.0 ★Texas Ratio: 4.22%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, and MidFirst BankMidFirst Bank1920 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 4.93%. 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 Josephine, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Josephine 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 Josephine, Texas
Market share is the lender's share of all home loans closed in Josephine, 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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705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, VA, USDA | 28 | 2.7% | 96.6% | $266,785 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional, FHA | 10 | 1% | 100% | $307,000 | |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 7 | 0.7% | 87.5% | $426,428 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 6 +1 HELOCs |
0.6% | 100% | $298,333 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 4 | 0.4% | 80% | $257,500 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $405,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.2% | 100% | $180,000 | View |
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406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 2 | 0.2% | 50% | $345,000 | 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 |
0.1% | 25% | $465,000 | View |
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1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.1% | 100% | $65,000 | View |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.1% | 50% | $385,000 | View |
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4040 N Central Expy Ste 100, Dallas, TX 75204 A+5.0 ★Texas Ratio: 2.52% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.1% | 100% | $115,000 | View |
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★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.1% | 50% | $335,000 | View |
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1312 Washington St, Commerce, TX 75428 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
International Bank of Commerce
1421 W Frontage Rd, Alamo, TX 78516 |
Conventional | 1 | 0.1% | 100% | $85,000 | |
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623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.1% | 100% | $295,000 | View |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.1% | 50% | $235,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +8 HELOCs |
0% | n/a | 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% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 4 stars, 3 reviews 7800 Shoal Creek Boulevard, Austin, TX 78757 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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8131 Gateway Dr, Argyle, TX 76226 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 269 | 25.8% | 88.9% | $266,263 | |
Sfmc, LP
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Conventional, FHA, VA, USDA | 78 | 7.5% | 94.8% | $353,205 | |
Republic State Mortgage Company
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Conventional, FHA, VA | 68 | 6.5% | 95.8% | $339,558 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 50 | 4.8% | 100% | $347,800 | |
Pikeview Mortgage, LLC
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Conventional, FHA, VA, USDA | 33 | 3.2% | 100% | $373,787 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA, USDA | 16 | 1.5% | 100% | $338,125 | |
Primelending
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Conventional, FHA | 7 | 0.7% | 100% | $313,571 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional, FHA, VA | 7 | 0.7% | 100% | $325,000 | View |
Nationstar Mortgage
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Conventional | 4 | 0.4% | 80% | $222,500 | |
Willow Bend Mortgage Company, LLC
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Conventional | 3 | 0.3% | 100% | $368,333 | |
Integrity Mortgage Corporation of Texas
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Conventional | 3 | 0.3% | 75% | $445,000 | |
First Continental Mortgage, Ltd.
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FHA, VA | 3 | 0.3% | 100% | $311,666 | |
Aaxy LLC
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Conventional | 2 | 0.2% | 100% | $210,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 75% | $215,000 | |
Click n' Close, Inc.
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VA | 1 | 0.1% | 100% | $555,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Gardner Financial Services
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FHA | 1 | 0.1% | 100% | $285,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $285,000 | |
Southwest Funding LP
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Conventional | 1 | 0.1% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 48 | 4.6% | 89.1% | $339,375 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 43 | 4.1% | 78.2% | $474,534 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 39 | 3.7% | 73.6% | $269,358 | View |
M/I Financial. LLC
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Conventional, FHA, VA | 21 | 2% | 100% | $285,952 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 18 | 1.7% | 91.3% | $407,222 | |
loanDepot.com LLC
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Conventional, FHA | 18 | 1.7% | 100% | $366,111 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, HELOC | 16 +1 HELOCs |
1.5% | 100% | $307,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 15 | 1.4% | 75% | $279,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 14 | 1.3% | 93.3% | $365,000 | |
The Loan Store, Inc
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Conventional, FHA | 14 | 1.3% | 100% | $300,714 | |
Mortgage Research Center
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VA | 9 | 0.9% | 71.4% | $389,444 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 9 | 0.9% | 100% | $323,888 | |
American Portfolio Mortgage Corporation
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Conventional, FHA, VA | 8 | 0.8% | 80% | $293,750 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 8 | 0.8% | 100% | $292,500 | View |
New American Funding, LLC.
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Conventional, FHA, VA | 8 | 0.8% | 88.9% | $290,000 | |
Guidance Residential, LLC
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Conventional | 6 | 0.6% | 100% | $268,333 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 6 | 0.6% | 100% | $330,000 | |
21St Mortgage
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Conventional | 5 | 0.5% | 71.4% | $123,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 4 +1 HELOCs |
0.4% | 100% | $432,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 4 | 0.4% | 80% | $372,500 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.4% | 44.4% | $327,500 | |
Zillow Home Loans, LLC
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Conventional, FHA | 4 | 0.4% | 80% | $317,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.4% | 44.4% | $400,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 4 | 0.4% | 100% | $370,000 | |
Village Capital & Investment
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Conventional, FHA, VA | 4 | 0.4% | 83.3% | $427,500 | |
AmeriHome Mortgage Company, LLC
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FHA | 3 | 0.3% | 100% | $388,333 | |
Platinum Eagle Mortgage, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $355,000 | |
Associated Mortgage Corporation
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Conventional | 3 | 0.3% | 100% | $305,000 | |
Planet Home Lending, LLC
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FHA | 3 | 0.3% | 100% | $331,666 | |
Lower, LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $401,666 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.2% | 50% | $340,000 | View |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.2% | 25% | $240,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 2 | 0.2% | 100% | $355,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 0.2% | 100% | $185,000 | View |
HomeBridge Financial Services, Inc
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Conventional | 2 | 0.2% | 100% | $370,000 | |
Weichert Financial Services
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Conventional, FHA | 2 | 0.2% | 100% | $320,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 2 | 0.2% | 100% | $185,000 | View |
Mortgage Solutions of Colorado
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VA | 2 | 0.2% | 100% | $525,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 2 | 0.2% | 100% | $295,000 | View |
The Mortgage Link, Inc.
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FHA, VA | 2 | 0.2% | 100% | $350,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $155,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.1% | 100% | $415,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.1% | 100% | $15,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $265,000 | |
Newrez LLC
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VA | 1 | 0.1% | 25% | $375,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 66.7% | $215,000 | |
Brighton Bank
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FHA | 1 | 0.1% | 100% | $435,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $425,000 | |
Loanunited.Com, LLC
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Home Mortgage Alliance Corp (Hmac)
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Conventional | 1 | 0.1% | 100% | $455,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 50% | $275,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.1% | 100% | $545,000 | |
Mortgage Financial Services
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VA | 1 | 0.1% | 100% | $555,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 66.7% | $345,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $595,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $555,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Midwest Mortgage Associates Corp
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FHA | 1 | 0.1% | 100% | $335,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.1% | 100% | $555,000 | |
Nfm, Inc
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Conventional | 1 | 0.1% | 100% | $455,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $375,000 | |
UNMB Home Loans Inc
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FHA | 1 | 0.1% | 100% | $295,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.1% | 100% | $455,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Bank Ozk
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $465,000 | |
Towne Mortgage Company
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VA | 1 | 0.1% | 100% | $605,000 | |
Uif Corporation
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Better Mortgage Corporation
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VA | 1 | 0.1% | 33.3% | $275,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $335,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 50% | $115,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.1% | 100% | $265,000 | |
Mason-McDuffie Mortgage Corporation
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VA | 1 | 0.1% | 100% | $355,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.1% | 50% | $275,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $635,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $355,000 |
Josephine 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 Josephine, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Josephine? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Josephine in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Josephine, TX
Use these to narrow the list above. Each category shows how many Josephine, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Josephine, TX
Independent mortgage companies closed 94.5 percent of home loans in Josephine, Texas in 2025, banks 4.5 percent and credit unions 1 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, Cornerstone Capital Bank, Ssb the largest bank and Texans Credit Union the largest credit union. Among lenders headquartered in Texas, Velocio Mortgage, L.L.C. led with 28 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 Josephine, TX
By home loans closed in 2025, Velocio Mortgage, L.L.C. was the largest mortgage lender in Josephine, Texas with 28 loans, about 2.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Josephine, Texas, Ark-La-Tex Financial Services LLC approved the highest share of completed applications in 2025 at 100 percent, against a 88.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
56 lenders closed FHA loans in Josephine, Texas in 2025, led by DHI Mortgage Company, LTD. with 177. 41 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 6 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. 24 banks and 8 credit unions closed home loans in Josephine, Texas in 2025, alongside 102 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 Josephine, 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 Josephine, 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 Josephine. 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.
