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Mortgage Lenders and Brokers in Killeen, Texas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Killeen, Texas mortgage lenders include First National Bank TexasFirst National Bank Texas3404 W Stan Schlueter Loop, Killeen, TX 76549A4.7 ★Texas Ratio: 3.20%, Extraco Banks, NAExtraco Banks, NA1002 W Central Texas Expy, Killeen, TX 76541A+5.0 ★Texas Ratio: 0.26%, First Texas BankFirst Texas Bank716 N 8th St, Killeen, TX 76541A+5.0 ★Texas Ratio: 5.87%, Bank of America NABank of America NA2551 Trimmier Rd, Killeen, TX 76542A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.1300 E Central Texas Expy, Killeen, TX 76541A+5.0 ★Texas Ratio: 4.24%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Spark Mortgage, LLCSpark Mortgage, LLC3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%, Texell Credit UnionTexell Credit Union2208 Sunny Ln, Killeen, TX 76541A+5.0 ★Texas Ratio: 3.98%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, and A+ Federal Credit UnionA+ Federal Credit Union1402 W Stassney LN, Austin, TX 78745 2948A5.0 ★Texas Ratio: 11.13%. 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 Killeen, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Killeen 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 Killeen, Texas

Market share is the lender's share of all home loans closed in Killeen, 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
First National Bank Texas 7 offices in Killeen 3404 W Stan Schlueter Loop, Killeen, TX 76549 A4.7 ★Texas Ratio: 3.20%	Conventional, FHA, VA, Jumbo	109	3.2%	97.3%	$270,229	View
Extraco Banks, NA 1 office in Killeen 1002 W Central Texas Expy, Killeen, TX 76541 A+5.0 ★Texas Ratio: 0.26%	Conventional, VA, Jumbo	22	0.6%	78.6%	$279,545	View
First Texas Bank 2 offices in Killeen 716 N 8th St, Killeen, TX 76541 A+5.0 ★Texas Ratio: 5.87%	Conventional	10	0.3%	80%	$152,000	View
Bank of America NA 1 office in Killeen 2551 Trimmier Rd, Killeen, TX 76542 A+5.0 ★Texas Ratio: 4.14%	Conventional, VA, HELOC	4 +9 HELOCs	0.1%	80%	$190,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Killeen 1300 E Central Texas Expy, Killeen, TX 76541 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +4 HELOCs	0%	33.3%		View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, VA	49	1.4%	100%	$311,122	View
Spark Mortgage, LLC 3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46%	Conventional, FHA, VA	43	1.3%	100%	$356,627	View
Texell Credit Union 2208 Sunny Ln, Killeen, TX 76541 A+5.0 ★Texas Ratio: 3.98%	Conventional	24	0.7%	65%	$91,666	View
JPMorgan Chase Bank, NA 3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA	23	0.7%	86.2%	$164,565	View
A+ Federal Credit Union 1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13%	Conventional, FHA, HELOC	16 +1 HELOCs	0.5%	43.2%	$115,625	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	15	0.4%	62.5%	$271,666	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	14 +5 HELOCs	0.4%	86.4%	$107,857	View
Armed Forces Bank, N.A. 1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81%	Conventional, FHA, VA	13	0.4%	72.2%	$262,692	View
Wells Fargo Bank NA 3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	11	0.3%	55%	$200,454	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	6 +3 HELOCs	0.2%	54.5%	$91,666	View
Aspire Home Loans 900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15%	FHA, VA	6	0.2%	100%	$248,333	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional, VA	6	0.2%	85.7%	$201,666	View
Sente Mortgage, Inc. 6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673	Conventional, FHA, VA	5	0.1%	100%	$215,000
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA	4	0.1%	100%	$290,000
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, VA	4	0.1%	66.7%	$262,500	View
Security Bank of Texas 3600 N Capital Of Texas Highway, Austin, TX 78746 A5.0 ★Texas Ratio: 12.78%	Conventional	3	0.1%	100%	$168,333	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.1%	22.2%	$90,000	View
Citizens National Bank 1711 Central Texas Expwy, Killeen, TX 76541	Conventional	2	0.1%	50%	$150,000
SouthStar Bank SSB ★ 5 stars, 1 review 10901 W Highway 290, Austin, TX 78736 A5.0 ★Texas Ratio: 7.03%	Conventional	2	0.1%	75%	$310,000	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$65,000	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	VA	1	0%	100%	$415,000	View
First National Bank of Central Texas 1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97%	Conventional	1	0%	100%	$105,000	View
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$175,000	View
Velocity Credit Union 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional	1	0%	100%	$45,000	View
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0%	100%	$95,000	View
H-E-B Federal Credit Union 4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0%	100%	$85,000	View
Grandview Bank 100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94%	Conventional	1	0%	100%	$125,000	View
American Bank NA 100 S 4th St, Waco, TX 76701 A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0%	100%	$165,000	View
First National Bank of Mcgregor 401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33%	Conventional	1	0%	100%	$145,000	View
NBH Bank 3720 Jefferson St, Austin, TX 78731 A+5.0 ★Texas Ratio: 2.90%	VA	1	0%	100%	$295,000	View
Educators Credit Union 201 E Robertson Ave, COPPERAS COVE, TX 76522 A+5.0 ★Texas Ratio: 0.19%	Conventional	1	0%	100%	$55,000	View
Verabank,N.A. 120 N Gray St, Killeen, TX 76541 A+5.0 ★Texas Ratio: 5.54%	Conventional	1	0%	50%	$115,000	View
International Bank of Commerce 1421 W Frontage Rd, Alamo, TX 78516	VA	1	0%	50%	$235,000
Texans Credit Union 406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0%	100%	$75,000	View
Alliance Bank Central Texas 302 Main Street, Donie, TX 75838 A5.0 ★Texas Ratio: 10.82%	Conventional	1	0%	100%	$545,000	View
Credit Union of Texas 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +4 HELOCs	0%	n/a		View
United Heritage Credit Union 12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63%	HELOC	0 +3 HELOCs	0%	n/a		View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +1 HELOCs	0%	0%		View
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	381	11.1%	89.3%	$276,049
Kangaroo Home Lending, LLC	Conventional, FHA, VA	70	2%	100%	$308,000
SWBC Mortgage Corporation	Conventional, FHA, VA	62	1.8%	97%	$309,677
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	53	1.5%	90%	$257,452
Nationstar Mortgage	Conventional, FHA, VA	49	1.4%	87.9%	$149,693
First Continental Mortgage, Ltd.	FHA, VA	15	0.4%	100%	$385,000
Jnc Mortgage Company, Inc	FHA, VA	13	0.4%	100%	$349,615
Highlands Residential Mortgage, Ltd.	FHA, VA	11	0.3%	84.6%	$215,000
Gardner Financial Services	Conventional, FHA, VA	7	0.2%	100%	$223,571
Zippy Loans, LLC	Conventional	4	0.1%	57.1%	$67,500
Network Funding, L.P.	VA	3	0.1%	100%	$248,333
Click n' Close, Inc.	Conventional, FHA, VA	3	0.1%	100%	$145,000
Loanpeople, LLC	Conventional, FHA, VA	3	0.1%	100%	$301,666
Sfmc, LP	Conventional, VA	2	0.1%	100%	$150,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	2	0.1%	40%	$295,000	View
Countryplace Mortgage, Ltd.	Conventional	1	0%	100%	$55,000
Directions Equity, LLC	VA	1	0%	100%	$215,000
Willow Bend Mortgage Company, LLC	FHA	1	0%	100%	$155,000
Legend Lending Corporation A+5.0 ★Texas Ratio: 0.92%	Conventional	1	0%	100%	$165,000	View
Efinity Financial LLC A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0%	100%	$155,000	View
Aaxy LLC	Conventional	1	0%	100%	$325,000
Right Start Mortgage, Inc	VA	1	0%	50%	$195,000
Southwest Funding LP	VA	1	0%	100%	$225,000
Hometrust Mortgage Company	FHA	1	0%	50%	$275,000
Mortgage Research Center	Conventional, FHA, VA	319	9.3%	79.5%	$250,736
United Wholesale Mortgage	Conventional, FHA, VA	292	8.5%	89.8%	$287,979
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	249	7.3%	96.9%	$290,662
Mortgage Solutions of Colorado	Conventional, FHA, VA	186	5.4%	99%	$310,053
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	163	4.7%	69.4%	$181,257	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	110	3.2%	61%	$168,181
Freedom Mortgage Corporation	Conventional, FHA, VA	98	2.9%	86.9%	$265,612
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	83	2.4%	89.3%	$211,144
Newrez LLC	Conventional, FHA, VA	51	1.5%	65.8%	$287,745
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	50 +2 HELOCs	1.5%	96.3%	$229,600
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	47 +3 HELOCs	1.4%	97.9%	$281,595
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	43	1.3%	91.5%	$269,651
Plaza Home Mortgage, Inc	Conventional, FHA, VA	33	1%	79.1%	$240,454
Mutual of Omaha Mortgage	Conventional, FHA, VA	32	0.9%	97.2%	$239,375
loanDepot.com LLC	Conventional, FHA, VA, HELOC	26 +4 HELOCs	0.8%	73%	$204,615
Cadence Bank	Conventional, FHA, VA, Jumbo, HELOC	24 +6 HELOCs	0.7%	80%	$286,250
Village Capital & Investment	VA	22	0.6%	89.6%	$319,090
Wolfe Financial Inc	Conventional, FHA, VA	21	0.6%	91.3%	$191,666
Planet Home Lending, LLC	Conventional, FHA, VA	19	0.6%	70.4%	$256,052
Pentagon Federal Credit Union	Conventional, VA, HELOC	18 +18 HELOCs	0.5%	54.5%	$236,666
Loanunited.Com, LLC	FHA, VA	18	0.5%	90%	$289,444
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	18	0.5%	94.7%	$195,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	17	0.5%	36%	$298,529
Leaderone Financial Corp.	VA	17	0.5%	89.5%	$342,058
The Loan Store, Inc	Conventional, FHA, HELOC	16 +3 HELOCs	0.5%	100%	$167,500
Guaranteed Rate, Inc.	Conventional, VA, HELOC	15 +1 HELOCs	0.4%	88.2%	$234,333
Equity Prime Mortgage LLC	FHA, VA	14	0.4%	73.7%	$253,571
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	14	0.4%	30.4%	$123,571	View
Carrington Mortgage Services LLC	Conventional, FHA, VA	14	0.4%	45.7%	$212,857
Royal United Mortgage LLC	Conventional	13	0.4%	66.7%	$167,307
Goodleap, LLC	Conventional, VA	13	0.4%	88.9%	$178,076
ClearPath Lending	Conventional, VA	13	0.4%	86.7%	$243,461
Spring Eq, LLC	Conventional, HELOC	12 +5 HELOCs	0.3%	33.3%	$80,000
21St Mortgage	Conventional	12	0.3%	48.1%	$79,166
American Financial Network, Inc.	FHA, VA	11	0.3%	100%	$302,272
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	11	0.3%	100%	$207,727
Kind Lending, LLC	Conventional, FHA, VA	9	0.3%	60%	$228,333
Vanderbilt Mortgage and Finance, Inc	Conventional	9	0.3%	20.7%	$86,111
HomeBridge Financial Services, Inc	FHA, VA, HELOC	8 +3 HELOCs	0.2%	100%	$290,000
American Pacific Mortgage Corporation	Conventional, FHA, VA	8	0.2%	100%	$350,000
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	7	0.2%	77.8%	$207,857
Sun West Mortgage Company, Inc	VA	7	0.2%	83.3%	$289,285
Sage Home Loans Corporation	Conventional, VA	6	0.2%	85.7%	$205,000
Goprime Mortgage, Inc.	VA	6	0.2%	85.7%	$275,000
Residential Wholesale Mortgage	Conventional, FHA, VA	5	0.1%	100%	$191,000
All Credit Considered Mortgage, Inc.	Conventional	5	0.1%	100%	$155,000
AmeriHome Mortgage Company, LLC	FHA, VA	5	0.1%	83.3%	$241,000
Movement Mortgage, LLC	Conventional, FHA, VA	5	0.1%	100%	$317,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	5	0.1%	100%	$235,000	View
Platinum Eagle Mortgage, LLC	FHA, VA	5	0.1%	100%	$223,000
Securitynational Mortgage Company	FHA, VA	5	0.1%	100%	$243,000
Neighborhood Loans, Inc	Conventional	4	0.1%	50%	$7,500
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	4	0.1%	56%	$132,500	View
PHH Mortgage Corporation	Conventional	4	0.1%	80%	$177,500
Mortgage Financial Services	FHA, VA	4	0.1%	100%	$362,500
Cardinal Financial Company, Li	Conventional, FHA, VA	4	0.1%	41.7%	$190,000
Waterstone Mortgage Corporation	FHA, VA	4	0.1%	100%	$225,000
Gold Star Mortgage Financial Group, Corporation	Conventional, VA	3	0.1%	100%	$251,666
Nbkc Bank	Conventional, VA	3	0.1%	75%	$508,333
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	VA	3	0.1%	50%	$228,333	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	3	0.1%	100%	$275,000	View
Synergy One Lending, Inc.	FHA, VA	3	0.1%	100%	$261,666
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA, VA	3	0.1%	100%	$221,666	View
Nqm Funding, LLC	Conventional, VA	3	0.1%	75%	$201,666
Union Home Mortgage Corp.	VA	3	0.1%	100%	$481,666
Mid-Continent Funding, Inc.	VA	3	0.1%	100%	$278,333
Paramount Residential Mortgage	Conventional, FHA, VA	3	0.1%	100%	$208,333
ML Mortgage Corp.	VA	2	0.1%	100%	$345,000
Panorama Mortgage Group, LLC	FHA, VA	2	0.1%	100%	$240,000
American Financial Resources LLC	Conventional, VA	2	0.1%	100%	$185,000
Primary Residential Mortgage, INC.	Conventional, FHA	2	0.1%	100%	$135,000
Allied Mortgage Group, Inc A+5.0 ★Texas Ratio: 0.75%	Conventional, VA	2	0.1%	100%	$205,000	View
Discover Bank	Conventional	2	0.1%	8%	$65,000
Network Capital Funding Corporation	Conventional, VA	2	0.1%	100%	$245,000
Calcon Mutual Mortgage LLC	VA, Jumbo	2	0.1%	100%	$710,000
First Option Mortgage, LLC	Conventional, VA	2	0.1%	100%	$125,000
Churchill Mortgage Corporation	Conventional, VA	2	0.1%	100%	$260,000
First Bank and Trust Co	Conventional	2	0.1%	100%	$90,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	2	0.1%	60%	$245,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	2	0.1%	100%	$260,000	View
Zillow Home Loans, LLC	FHA, VA	2	0.1%	100%	$215,000
Prosperity Home Mortgage, LLC	Conventional, VA	2	0.1%	100%	$350,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	75%	$280,000	View
JMAC Lending, Inc.	Conventional, FHA	2	0.1%	100%	$435,000
Geneva Financial LLC	Conventional, HELOC	1 +1 HELOCs	0%	100%	$145,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$155,000	View
American Portfolio Mortgage Corporation	VA	1	0%	50%	$205,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	FHA	1	0%	100%	$205,000	View
Contour Mortgage Corporation	VA	1	0%	100%	$225,000
Canopy Mortgage, LLC	VA	1	0%	50%	$275,000
Resicentral LLC	Conventional	1	0%	100%	$135,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	VA	1	0%	100%	$255,000	View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$145,000	View
PFN Lending Group, Inc.	Conventional	1	0%	100%	$325,000
City 1st Mortgage Services, LC	VA	1	0%	100%	$245,000
Intercap Lending Inc A5.0 ★Texas Ratio: 8.32%	Conventional	1	0%	100%	$405,000	View
New Wave Lending Group Inc	Conventional	1	0%	100%	$215,000
Oceanside Mortgage Company	FHA	1	0%	100%	$245,000
Flexpoint, Inc.	Conventional	1	0%	100%	$175,000
American Financing Corporation	Conventional	1	0%	18.2%	$55,000
Flat Branch Mortgage, Inc.	VA	1	0%	100%	$285,000
Bay Equity LLC	VA	1	0%	100%	$295,000
Strong Home Mortgage, LLC	Conventional	1	0%	100%	$335,000
CityWorth Mortgage LLC	FHA	1	0%	100%	$165,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$275,000	View
Lendsure Mortgage Corp.	Conventional	1	0%	100%	$205,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA	1	0%	100%	$205,000	View
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0%	100%	$225,000	View
Towne Mortgage Company	Conventional	1	0%	100%	$145,000
Better Mortgage Corporation	VA	1	0%	50%	$305,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$85,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$335,000	View
Nations Direct Mortgage, LLC	VA	1	0%	100%	$215,000
Summit Funding.Inc	Conventional	1	0%	100%	$405,000
CSL Financial, LLC	Conventional	1	0%	100%	$55,000
Lower, LLC	FHA	1	0%	50%	$155,000
Meadowbrook Financial Mortgage Bankers Corp.	Conventional	1	0%	100%	$175,000
Florida Capital Bank, N.A	VA	1	0%	100%	$325,000
Reliance First Capital, LLC	Conventional	1	0%	100%	$155,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0%	100%	$155,000	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0%	100%	$175,000	View
Champions Funding, LLC	Conventional	1	0%	50%	$325,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$695,000
Lendage, LLC dba Achieve Loans	HELOC	0 +12 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Killeen Mortgage Rate Trends

Daily average mortgage rates for Texas compared with the national average, updated every evening.

30-Year Fixed TX Avg

7.414%

▲ 0.066 vs 7 days ago

15-Year Fixed TX Avg

6.904%

▲ 0.023 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Killeen, Texas

Looking for mortgage lenders near me or mortgage brokers near me in Killeen? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Killeen in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Killeen, TX

Use these to narrow the list above. Each category shows how many Killeen, TX lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 132 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 14 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 71 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 114 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 7 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 57 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Killeen, TX

Independent mortgage companies closed 84.3 percent of home loans in Killeen, Texas in 2025, banks 10.1 percent and credit unions 5.7 percent. Spark Mortgage, LLC was the largest mortgage company, First National Bank Texas the largest bank and Texell Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank Texas led with 109 loans.

84.3%

Mortgage companies

10.1%

Banks

5.7%

Credit unions

FHA loans

67%

VA 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

All Texas lenders 1,264 lenders Houston 690 lenders San Antonio 463 lenders Fort Worth 521 lenders Austin 484 lenders Dallas 513 lenders El Paso 275 lenders Celina 272 lenders Corpus Christi 261 lenders Lubbock 281 lenders Arlington 342 lenders Frisco 337 lenders New Braunfels 280 lenders

Frequently Asked Questions About Mortgage Lenders in Killeen, TX

Who is the largest mortgage lender in Killeen, TX?

By home loans closed in 2025, First National Bank Texas was the largest mortgage lender in Killeen, Texas with 109 loans, about 3.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Killeen, TX have the highest approval rates?

Among lenders with meaningful volume in Killeen, Texas, Kangaroo Home Lending, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 80.8 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.

Which Killeen, TX mortgage lenders offer FHA, VA and USDA loans?

71 lenders closed FHA loans in Killeen, Texas in 2025, led by Fairway Independent Mort Corp with 49. 114 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.

Are credit unions and local banks included in this Killeen, TX lender list?

Yes. 46 banks and 14 credit unions closed home loans in Killeen, Texas in 2025, alongside 132 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.

How are mortgage lenders in Killeen, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in Killeen, 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 Killeen, 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 Killeen. 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.