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Mortgage Lenders and Brokers in McAllen, Texas

Content reviewed by

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

McAllen, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5601 N 10th St, Mcallen, TX 78504A+5.0 ★Texas Ratio: 3.68%, Lone Star National BankLone Star National Bank5537 N Mccoll Rd, Mcallen, TX 78504A+5.0 ★Texas Ratio: 4.93%, Frost BankFrost Bank2321 N 10th St, Mcallen, TX 78501A+5.0 ★Texas Ratio: 2.51%, Vantage Bank TexasVantage Bank Texas730 W Nolana Ave, Mcallen, TX 78504A5.0 ★Texas Ratio: 8.20%, Texas Regional BankTexas Regional Bank4501 N 10th St, Mcallen, TX 78504A5.0 ★Texas Ratio: 7.25%, Rio BankRio Bank4120 N Mccoll Rd, Mcallen, TX 78504A+5.0 ★Texas Ratio: 3.88%, Wells Fargo Bank NAWells Fargo Bank NA1100 E Jackson Ave, Mcallen, TX 78503A+5.0 ★Texas Ratio: 5.36%, Security First Federal Credit UnionSecurity First Federal Credit Union3700 N 12th St, McAllen, TX 78501A+5.0 ★Texas Ratio: 1.27%, Falcon International BankFalcon International Bank6301 N 10th St, Mcallen, TX 78504A+5.0 ★Texas Ratio: 0.02%, and PNC Bank N.A.PNC Bank N.A.3900 N 10th St, Mcallen, TX 78501A+5.0 ★Texas Ratio: 4.24%. 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 McAllen, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in McAllen 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 McAllen, Texas

Market share is the lender's share of all home loans closed in McAllen, 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
JPMorgan Chase Bank, NA 4 offices in McAllen 5601 N 10th St, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA, Jumbo	64	3.8%	92.9%	$252,031	View
Lone Star National Bank 10 offices in McAllen 5537 N Mccoll Rd, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 4.93%	Conventional, FHA, VA, Jumbo	32	1.9%	80%	$525,000	View
Frost Bank ★ 5 stars, 1 review 3 offices in McAllen 2321 N 10th St, Mcallen, TX 78501 A+5.0 ★Texas Ratio: 2.51%	Conventional, Jumbo, HELOC	12 +9 HELOCs	0.7%	53.8%	$142,500	View
Vantage Bank Texas 5 offices in McAllen 730 W Nolana Ave, Mcallen, TX 78504 A5.0 ★Texas Ratio: 8.20%	Conventional, Jumbo	12	0.7%	78.9%	$402,500	View
Texas Regional Bank 3 offices in McAllen 4501 N 10th St, Mcallen, TX 78504 A5.0 ★Texas Ratio: 7.25%	Conventional, FHA, Jumbo	11	0.7%	92.3%	$411,363	View
Rio Bank 3 offices in McAllen 4120 N Mccoll Rd, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 3.88%	Conventional	7	0.4%	88.9%	$213,571	View
Wells Fargo Bank NA 2 offices in McAllen 1100 E Jackson Ave, Mcallen, TX 78503 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.4%	100%	$188,333	View
Security First Federal Credit Union 3700 N 12th St, McAllen, TX 78501 A+5.0 ★Texas Ratio: 1.27%	Conventional	6	0.4%	46.2%	$336,666	View
Falcon International Bank 2 offices in McAllen 6301 N 10th St, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 0.02%	Conventional, Jumbo	6	0.4%	100%	$378,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4 offices in McAllen 3900 N 10th St, Mcallen, TX 78501 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	5 +18 HELOCs	0.3%	71.4%	$241,000	View
Bank of America NA 2 offices in McAllen 7524 N 10th St, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	4 +15 HELOCs	0.2%	100%	$267,500	View
First Community Bank 1 office in McAllen 8000 N 10th St, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 0.47%	Conventional	1	0.1%	100%	$215,000	View
Plainscapital Bank 2 offices in McAllen 7201 N 10th St, Mcallen, TX 78504 A+5.0 ★Texas Ratio: 4.03%	Conventional	1	0.1%	100%	$215,000	View
Rally Credit Union 4015 N 10th St, McAllen, TX 78504 A+5.0 ★Texas Ratio: 4.20%	Conventional, Jumbo	92	5.5%	61.5%	$240,108	View
Security Service ★ 5 stars, 1 review 7906 N 10th St, McAllen, TX 78504 A5.0 ★Texas Ratio: 6.91%	Conventional, Jumbo, HELOC	55 +19 HELOCs	3.3%	73.8%	$177,181	View
Texas National Bank 6901 N 10th St, Mcallen, TX 78504	Conventional, FHA	12	0.7%	85.7%	$229,166
International Bank of Commerce 802 S Jackson Rd, Mcallen, TX 78503	Conventional, FHA	11	0.7%	68.8%	$254,090
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional	8	0.5%	100%	$333,750	View
Greater Texas FCU 1425 N CENTER ST, ARLINGTON, TX 76011	Conventional	6	0.4%	54.5%	$151,666
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	5 +4 HELOCs	0.3%	71.4%	$83,000	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	4	0.2%	57.1%	$77,500	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.2%	100%	$465,000	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA	2	0.1%	50%	$540,000	View
b1BANK 14951 Dallas Pkwy, Dallas, TX 75254 A5.0 ★Texas Ratio: 9.53%	Conventional	2	0.1%	100%	$55,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional	2	0.1%	100%	$275,000
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	2	0.1%	66.7%	$275,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$215,000	View
Tdecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$275,000	View
Huntington National Bank 3800 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$195,000	View
MidFirst Bank 1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.1%	100%	$895,000	View
Tib, National Association 11701 Luna Rd, Farmers Branch, TX 75234 A+5.0 ★Texas Ratio: 3.54%	Conventional	1	0.1%	50%	$335,000	View
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$295,000	View
International Bank of Commerce 802 S Jackson Rd, Mcallen, TX 78503	Conventional	1	0.1%	100%	$155,000
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.1%	100%	$165,000	View
First Community Bank 1600 E Main St, Alice, TX 78332 A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$185,000	View
Texana Bank 124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83%	VA	1	0.1%	100%	$415,000	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$155,000	View
First Service Credit Union 3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$215,000	View
American National Bank of Texa 720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41%	Conventional	1	0.1%	100%	$265,000	View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Amplify Credit Union 2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Credit Union of Texas 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
A+ Federal Credit Union 1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13%	HELOC	0 +1 HELOCs	0%	0%		View
Stonewood Home Lending, LLC	Conventional, FHA, VA	147	8.8%	96.7%	$308,333
Directions Equity, LLC	Conventional, FHA, VA	61	3.6%	98.5%	$297,950
Right Start Mortgage, Inc	Conventional, FHA, VA	52	3.1%	88.1%	$277,500
Willow Bend Mortgage Company, LLC	Conventional, FHA	20	1.2%	95.2%	$264,000
Interlinc Mortgage Services, LLC	Conventional, FHA	15	0.9%	93.8%	$258,333
Nationstar Mortgage	Conventional	15	0.9%	83.3%	$145,666
Primelending	Conventional, VA	5	0.3%	77.8%	$325,000
Highlands Residential Mortgage, Ltd.	Conventional	4	0.2%	100%	$300,000
Southwest Funding LP	Conventional, FHA, VA	4	0.2%	100%	$217,500
Gardner Financial Services	Conventional	2	0.1%	100%	$300,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, Jumbo	2	0.1%	28.6%	$485,000	View
Envoy Mortgage, Ltd	Conventional	1	0.1%	50%	$345,000
Orchard Mortgage, LLC	Conventional	1	0.1%	100%	$335,000
Integrity Mortgage Corporation of Texas	Conventional	1	0.1%	100%	$385,000
Encompass Lending Group, L.P.	FHA	1	0.1%	100%	$295,000
Red Diamond Home Loans, LLC	Conventional	1	0.1%	100%	$195,000
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA, Jumbo	120	7.2%	72.7%	$237,833	View
United Wholesale Mortgage	Conventional, FHA, VA	107	6.4%	85.9%	$299,299
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo, HELOC	84 +4 HELOCs	5%	89.4%	$235,952
Synergy One Lending, Inc.	Conventional, FHA, VA	58	3.5%	95.1%	$251,724
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	55 +1 HELOCs	3.3%	96.6%	$318,090
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	43 +1 HELOCs	2.6%	97.8%	$273,372
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	35	2.1%	100%	$339,857
Freedom Mortgage Corporation	Conventional, FHA, VA	34	2%	93.8%	$320,000
Pennymac Loan Services LLC	Conventional, FHA, VA	27	1.6%	75.7%	$279,814
Lower, LLC	Conventional, FHA, VA	26	1.6%	93.1%	$280,384
Movement Mortgage, LLC	Conventional, FHA, VA	25	1.5%	96.6%	$218,600
Mortgage Research Center	Conventional, FHA, VA	25	1.5%	83.9%	$301,400
Newrez LLC	Conventional, VA	17	1%	53.1%	$249,705
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	14	0.8%	70%	$313,571
Kind Lending, LLC	Conventional, FHA, VA	13	0.8%	72.2%	$334,230
Securitynational Mortgage Company	Conventional, FHA	13	0.8%	92.9%	$263,461
Nations Lending Corporation	Conventional, FHA, VA	13	0.8%	100%	$245,000
The Loan Store, Inc	Conventional, HELOC	12 +1 HELOCs	0.7%	93.3%	$255,833
Plaza Home Mortgage, Inc	Conventional, FHA, VA	12	0.7%	60%	$288,333
New American Funding, LLC.	Conventional, FHA, VA	11	0.7%	78.6%	$185,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, HELOC	10 +1 HELOCs	0.6%	68.8%	$211,000	View
Royal United Mortgage LLC	Conventional	10	0.6%	83.3%	$151,000
Primary Residential Mortgage, INC.	Conventional, FHA, VA	9	0.5%	100%	$178,333
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	Conventional, FHA, VA	9	0.5%	100%	$286,111	View
loanDepot.com LLC	Conventional, HELOC	8 +2 HELOCs	0.5%	57.1%	$145,000
Fairway Independent Mort Corp	Conventional, FHA, VA	8	0.5%	88.9%	$245,000
Das Acquisition Company, LLC	Conventional, FHA, VA	7	0.4%	100%	$243,571
Guaranteed Rate, Inc.	Conventional, FHA, VA	6	0.4%	75%	$340,000
AmeriHome Mortgage Company, LLC	FHA, VA	6	0.4%	87.5%	$271,666
Discover Bank	Conventional	6	0.4%	26.9%	$93,333
Land Home Financial Services,	Conventional, FHA	6	0.4%	100%	$190,000
Pentagon Federal Credit Union	Conventional, FHA, VA, HELOC	5 +2 HELOCs	0.3%	83.3%	$265,000
Mortgage Financial Services	FHA	5	0.3%	100%	$329,000
American Pacific Mortgage Corporation	Conventional, FHA, VA	5	0.3%	83.3%	$241,000
Spring Eq, LLC	Conventional, HELOC	4 +9 HELOCs	0.2%	20%	$95,000
American Portfolio Mortgage Corporation	Conventional, FHA	4	0.2%	80%	$282,500
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	4	0.2%	80%	$242,500	View
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.2%	100%	$330,000
Village Capital & Investment	VA	4	0.2%	87.5%	$527,500
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	100%	$195,000
Loanunited.Com, LLC	FHA, VA	3	0.2%	100%	$275,000
Filo Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$165,000
Cardinal Financial Company, Li	Conventional, FHA	3	0.2%	100%	$385,000
Peoples Mortgage Company A5.0 ★Texas Ratio: 7.80%	Conventional, FHA	3	0.2%	100%	$361,666	View
Planet Home Lending, LLC	FHA, VA	3	0.2%	100%	$328,333
Carrington Mortgage Services LLC	Conventional, FHA, VA	3	0.2%	30.8%	$195,000
Champions Funding, LLC	Conventional	3	0.2%	60%	$201,666
HomeBridge Financial Services, Inc	FHA, HELOC	2 +6 HELOCs	0.1%	100%	$200,000
Goodleap, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	80%	$165,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	66.7%	$415,000	View
Farmers Insurance Federal Credit Union	Conventional	2	0.1%	100%	$275,000
Sage Home Loans Corporation	Conventional, FHA	2	0.1%	66.7%	$285,000
All Credit Considered Mortgage, Inc.	Conventional	2	0.1%	100%	$265,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	2	0.1%	66.7%	$195,000	View
Bayshore Mortgage Funding	Conventional, FHA	2	0.1%	66.7%	$175,000
City 1st Mortgage Services, LC	Conventional	2	0.1%	100%	$160,000
First Colony Mortgage Corporat	Conventional	2	0.1%	100%	$295,000
Provident Funding Associates	Conventional	2	0.1%	100%	$330,000
Hometown Equity Mortgage, LLC	Conventional	2	0.1%	50%	$265,000
Towne Mortgage Company	FHA, VA	2	0.1%	100%	$295,000
Better Mortgage Corporation	FHA, VA	2	0.1%	33.3%	$230,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$495,000
21St Mortgage	Conventional	2	0.1%	18.2%	$60,000
Alliant Credit Union A+5.0 ★Texas Ratio: 4.84%	VA	1	0.1%	100%	$225,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$135,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$375,000	View
Lakeview Loan Servicing, LLC	Conventional	1	0.1%	31.2%	$55,000
Canopy Mortgage, LLC	FHA	1	0.1%	100%	$275,000
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA, Jumbo	1	0.1%	100%	$825,000	View
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$115,000	View
TruHome Solutions, LLC	FHA	1	0.1%	100%	$285,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$405,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.1%	58.3%	$85,000	View
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	1	0.1%	5.9%	$95,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$215,000	View
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$585,000	View
American Financial Network, Inc.	Conventional	1	0.1%	33.3%	$365,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$245,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	66.7%	$505,000
Truity Federal Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0.1%	100%	$715,000	View
New Wave Lending Group Inc	Conventional	1	0.1%	100%	$295,000
Bank Fund Staff Federal Credit	Conventional	1	0.1%	100%	$55,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$345,000
American Financing Corporation	Conventional	1	0.1%	50%	$75,000
ClearPath Lending	VA	1	0.1%	100%	$325,000
Chevron Federal Credit Union A+5.0 ★Texas Ratio: 2.12%	Conventional	1	0.1%	100%	$295,000
Nfm, Inc	VA	1	0.1%	100%	$345,000
Churchill Mortgage Corporation	FHA	1	0.1%	100%	$395,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	FHA	1	0.1%	100%	$235,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$635,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$455,000
Mortgage Solutions of Colorado	Conventional	1	0.1%	100%	$235,000
Notre Dame Federal Credit Union	Conventional	1	0.1%	100%	$115,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	20%	$305,000
Deutsche Bank Trust Company Americas A+5.0 ★Texas Ratio: 1.44%	Conventional	1	0.1%	100%	$285,000	View
First Central Savings Bank	Conventional	1	0.1%	100%	$165,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	40%	$25,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, Jumbo	1	0.1%	100%	$1,285,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$225,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$245,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$125,000	View
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 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.

McAllen 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 McAllen, Texas

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

Types of Mortgage Lenders in McAllen, TX

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

Mortgage companies and brokers 98 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 45 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 59 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 47 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 16 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 47 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in McAllen, TX

Independent mortgage companies closed 73.4 percent of home loans in McAllen, Texas in 2025, banks 14.8 percent and credit unions 11.8 percent. Everett Financial, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Security First Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Lone Star National Bank led with 32 loans.

73.4%

Mortgage companies

14.8%

Banks

11.8%

Credit unions

31%

FHA loans

11%

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 McAllen, TX

Who is the largest mortgage lender in McAllen, TX?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in McAllen, Texas with 64 loans, about 3.8 percent of the market. The largest lender headquartered in Texas was Lone Star National Bank with 32 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in McAllen, Texas, Directions Equity, LLC approved the highest share of completed applications in 2025 at 98.5 percent, against a 79.4 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 McAllen, TX mortgage lenders offer FHA, VA and USDA loans?

59 lenders closed FHA loans in McAllen, Texas in 2025, led by Stonewood Home Lending, LLC with 93. 47 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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 McAllen, TX lender list?

Yes. 45 banks and 20 credit unions closed home loans in McAllen, Texas in 2025, alongside 98 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 McAllen, TX ranked on this page?

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