Mortgage Lenders and Brokers in Kosse, 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
Kosse, Texas mortgage lenders include First National Bank of Central TexasFirst National Bank of Central Texas1645 Greens Prairie Rd W, College Station, TX 77845A+5.0 ★Texas Ratio: 0.97%, The First National Bank of Hughes SpringsThe First National Bank of Hughes Springs220 N Louise St, Atlanta, TX 75551, PNC Bank N.A.PNC Bank N.A.1049 N 3rd St Ste 100, Abilene, TX 79601A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, First National Bank of HuntsvilleFirst National Bank of Huntsville3971 University Dr E, Bryan, TX 77802A+5.0 ★Texas Ratio: 0.37%, First National Bank of EvantFirst National Bank of Evant115 N Memory Ln, Evant, TX 76525, Fivepoint Credit UnionFivepoint Credit Union4005 Dowlen Rd, Beaumont, TX 77706 6850, Genco Federal Credit UnionGenco Federal Credit Union230 N Frontage Rd, Lorena, TX 76655A+5.0 ★Texas Ratio: 0.63%, Bokf NABokf NA792 S Watters Rd, Allen, TX 75013A+5.0 ★Texas Ratio: 1.05%, and Texell Credit UnionTexell Credit Union416 Lake Rd, Belton, TX 76513A+5.0 ★Texas Ratio: 3.98%. 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 Kosse, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kosse 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 Kosse, Texas
Market share is the lender's share of all home loans closed in Kosse, 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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1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 2 | 3.4% | 100% | $595,000 | View |
The First National Bank of Hughes Springs
220 N Louise St, Atlanta, TX 75551 |
Conventional | 2 | 3.4% | 100% | $265,000 | |
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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, HELOC | 1 +1 HELOCs |
1.7% | 100% | $265,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
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3971 University Dr E, Bryan, TX 77802 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 1.7% | 100% | $205,000 | View |
First National Bank of Evant
115 N Memory Ln, Evant, TX 76525 |
Conventional | 1 | 1.7% | 100% | $475,000 | |
Fivepoint Credit Union
4005 Dowlen Rd, Beaumont, TX 77706 6850 |
Conventional | 1 | 1.7% | 100% | $65,000 | |
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230 N Frontage Rd, Lorena, TX 76655 A+5.0 ★Texas Ratio: 0.63% |
Conventional | 1 | 1.7% | 100% | $165,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 1.7% | 100% | $425,000 | View |
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416 Lake Rd, Belton, TX 76513 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 1.7% | 100% | $295,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 1.7% | 100% | $705,000 | View |
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835 W 6th St, Austin, TX 78703 A+5.0 ★Texas Ratio: 1.00% |
Conventional | 1 | 1.7% | 100% | $55,000 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 1.7% | 100% | $85,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $245,000 | |
Countryplace Mortgage, Ltd.
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FHA | 1 | 1.7% | 100% | $395,000 | |
Lrs Financial Network dba Hnb Mortgage
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Conventional | 1 | 1.7% | 100% | $365,000 | |
Network Funding, L.P.
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Conventional | 1 | 1.7% | 100% | $515,000 | |
21St Mortgage
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Conventional | 9 | 15.5% | 81.8% | $133,888 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 6 | 10.3% | 87.5% | $341,666 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 6.9% | 100% | $135,000 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 5.2% | 100% | $331,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 3 | 5.2% | 100% | $355,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 1.7% | 100% | $205,000 | |
Newrez LLC
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VA | 1 | 1.7% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 1.7% | 100% | $235,000 | View |
Pennymac Loan Services LLC
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FHA | 1 | 1.7% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.7% | 100% | $225,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 1.7% | 100% | $165,000 | |
United Built Homes, LLC
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Conventional | 1 | 1.7% | 100% | $465,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 1.7% | 50% | $515,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1.7% | 100% | $205,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 1.7% | 100% | $245,000 | |
New American Funding, LLC.
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FHA | 1 | 1.7% | 100% | $145,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.7% | 100% | $555,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 1.7% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kosse 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 Kosse, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Kosse? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kosse in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kosse, TX
Use these to narrow the list above. Each category shows how many Kosse, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Kosse, TX
Independent mortgage companies closed 72.4 percent of home loans in Kosse, Texas in 2025, banks 20.7 percent and credit unions 6.9 percent. SWBC Mortgage Corporation was the largest mortgage company, First National Bank of Central Texas the largest bank and Fivepoint Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank of Central Texas led with 2 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 Kosse, TX
By home loans closed in 2025, First National Bank of Central Texas was the largest mortgage lender in Kosse, Texas with 2 loans, about 3.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Kosse, Texas in 2025, led by Countryplace Mortgage, Ltd. with 1. 3 lenders closed VA loans, led by Rocket 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. 11 banks and 4 credit unions closed home loans in Kosse, Texas in 2025, alongside 23 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 Kosse, 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 Kosse, 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 Kosse. 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.
