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Mortgage Lenders and Brokers in Melissa, Texas

Content reviewed by

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

Melissa, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2727 Sam Rayburn Hwy, Melissa, TX 75454A+5.0 ★Texas Ratio: 3.68%, Texas Republic Bank, N.A.Texas Republic Bank, N.A.2220 Sam Rayburn Highway, Melissa, TX 75454A5.0 ★Texas Ratio: 8.17%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, NexbankNexbank2515 Mckinney Ave, Dallas, TX 75201A-5.0 ★Texas Ratio: 14.93%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, Texans Credit UnionTexans Credit Union406 W McDermott Dr, Allen, TX 75013 2708A+5.0 ★Texas Ratio: 4.22%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, and Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%. 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 Melissa, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Melissa 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 Melissa, Texas

Market share is the lender's share of all home loans closed in Melissa, 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 1 office in Melissa 2727 Sam Rayburn Hwy, Melissa, TX 75454 A+5.0 ★Texas Ratio: 3.68%	Conventional	15	0.9%	93.8%	$390,333	View
Texas Republic Bank, N.A. 1 office in Melissa 2220 Sam Rayburn Highway, Melissa, TX 75454 A5.0 ★Texas Ratio: 8.17%	Conventional, Jumbo	1	0.1%	100%	$865,000	View
Velocio Mortgage, L.L.C. 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional, FHA, VA	170	10.1%	95.5%	$359,823	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	16 +4 HELOCs	1%	90.9%	$120,625	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA	12	0.7%	100%	$392,500
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	9	0.5%	83.3%	$250,555	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	8 +9 HELOCs	0.5%	52.9%	$120,000	View
Texans Credit Union 406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22%	Conventional	5	0.3%	62.5%	$179,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, FHA, VA, Jumbo, HELOC	4 +4 HELOCs	0.2%	100%	$510,000	View
Prosperity Bank ★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58%	Conventional, Jumbo	4	0.2%	80%	$492,500	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.2%	100%	$551,666	View
Intouch Credit Union 1010 W Exchange Pkwy Ste 170, Allen, TX 75013 7113 A5.0 ★Texas Ratio: 11.58%	Conventional	3	0.2%	100%	$81,666	View
Southstate Bank, National Association ★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo	3	0.2%	100%	$431,666	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional, VA	2	0.1%	66.7%	$485,000	View
Aspire Home Loans 900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15%	Conventional	2	0.1%	100%	$395,000	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, FHA	2	0.1%	100%	$400,000	View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	Conventional	2	0.1%	100%	$150,000	View
Datcu 8131 Gateway Dr, Argyle, TX 76226 A+5.0 ★Texas Ratio: 0.64%	Conventional	2	0.1%	100%	$50,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	VA	2	0.1%	66.7%	$200,000	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional	2	0.1%	100%	$355,000	View
American National Bank of Texa 720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41%	Conventional, Jumbo	2	0.1%	66.7%	$765,000	View
Bank of America NA 2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +9 HELOCs	0.1%	100%	$215,000	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$265,000	View
First Community Credit Union 1600 E Main St, Alice, TX 78332	Conventional	1	0.1%	100%	$265,000
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$525,000	View
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.1%	50%	$515,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$215,000	View
Texas Bank and Trust 449 S Trade Days Blvd, Canton, TX 75103 A+5.0 ★Texas Ratio: 3.78%	Conventional	1	0.1%	100%	$385,000	View
Lamar National Bank 1515 West White Street, Anna, TX 75409 A+5.0 ★Texas Ratio: 3.01%	Conventional, Jumbo	1	0.1%	100%	$3,955,000	View
Wells Fargo Bank NA 3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0.1%	25%	$155,000	View
The First National Bank of Tom Bean 2203 W Main St, Clarksville, TX 75426	Conventional	1	0.1%	100%	$555,000
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$245,000	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0.1%	100%	$285,000	View
Texas Trust Credit Union 2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$95,000	View
Origin Bank 384 E Stacy Rd, Allen, TX 75002 A5.0 ★Texas Ratio: 6.66%	Conventional	1	0.1%	100%	$395,000	View
Credit Union of Texas 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +16 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +5 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +2 HELOCs	0%	n/a		View
Eecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73%	HELOC	0 +1 HELOCs	0%	n/a		View
Republic State Mortgage Company	Conventional, FHA, VA	94	5.6%	97.9%	$338,829
Sfmc, LP	Conventional, FHA, VA, USDA	46	2.7%	93.1%	$426,304
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	32	1.9%	94.3%	$381,875
Brookhollow Mortgage Services, Ltd	Conventional, FHA, VA	30	1.8%	100%	$383,666
Pikeview Mortgage, LLC	Conventional, FHA, VA, USDA	29	1.7%	100%	$325,344
Nationstar Mortgage	Conventional, FHA, VA	17	1%	89.5%	$335,000
Priority Home Mortgage, L.P.	Conventional, FHA, VA	12	0.7%	100%	$467,500
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	10	0.6%	100%	$404,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	9	0.5%	81.8%	$358,333
Primelending	Conventional, FHA	6	0.4%	85.7%	$468,333
Integrity Mortgage Corporation of Texas	Conventional, VA	5	0.3%	100%	$427,000
Click n' Close, Inc.	Conventional, FHA, VA	5	0.3%	100%	$253,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.2%	66.7%	$322,500	View
Willow Bend Mortgage Company, LLC	Conventional, VA	3	0.2%	100%	$501,666
Network Funding, L.P.	Conventional, FHA, USDA	3	0.2%	80%	$465,000
SWBC Mortgage Corporation	Conventional	2	0.1%	100%	$320,000
Aaxy LLC	Conventional	2	0.1%	100%	$320,000
Commercial Bank of Texas, NA	Conventional	2	0.1%	100%	$505,000
Encompass Lending Group, L.P.	Conventional	2	0.1%	100%	$615,000
Jacqueline Montanez	Conventional	2	0.1%	100%	$55,000
Interlinc Mortgage Services, LLC	Conventional	1	0.1%	100%	$545,000
Crestmark Mortgage Company, Ltd	VA	1	0.1%	100%	$355,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$235,000
Gardner Financial Services	FHA	1	0.1%	100%	$405,000
First Continental Mortgage, Ltd.	FHA	1	0.1%	100%	$575,000
Right Start Mortgage, Inc	Conventional	1	0.1%	100%	$385,000
United Wholesale Mortgage	Conventional, FHA, VA	251	14.9%	90.1%	$443,007
loanDepot.com LLC	Conventional, FHA, VA, HELOC	122 +2 HELOCs	7.3%	90.5%	$332,213
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	85	5.1%	77.2%	$339,352	View
Pulte Mortgage LLC	Conventional, FHA, VA	55	3.3%	90.2%	$391,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	45	2.7%	97.9%	$480,555
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo	45	2.7%	96.2%	$436,333
The Loan Store, Inc	Conventional, HELOC	31 +1 HELOCs	1.8%	97.1%	$286,290
Lower, LLC	Conventional, FHA, VA	31	1.8%	100%	$474,032
Freedom Mortgage Corporation	Conventional, FHA, VA	24	1.4%	87.5%	$421,250
Planet Home Lending, LLC	Conventional, FHA, VA	24	1.4%	100%	$346,250
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	19	1.1%	80%	$485,000
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA, Jumbo	18	1.1%	94.7%	$367,222	View
Paramount Residential Mortgage	Conventional, FHA, VA	17	1%	100%	$430,882
Newrez LLC	Conventional, FHA, VA	14	0.8%	93.8%	$368,571
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo	14	0.8%	63.6%	$342,857
Mortgage Research Center	VA	11	0.7%	61.1%	$460,454
Fairway Independent Mort Corp	Conventional, FHA, VA	11	0.7%	100%	$377,727
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	10	0.6%	100%	$498,000
Kind Lending, LLC	Conventional, FHA	9	0.5%	75%	$470,555
Provident Funding Associates	Conventional	8	0.5%	80%	$470,000
Lakeview Loan Servicing, LLC	Conventional, FHA	7	0.4%	31.1%	$449,285
Sun West Mortgage Company, Inc	Conventional, FHA	7	0.4%	100%	$469,285
Plaza Home Mortgage, Inc	Conventional, FHA, VA	7	0.4%	77.8%	$366,428
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	6 +2 HELOCs	0.4%	100%	$726,666
American Portfolio Mortgage Corporation	Conventional, FHA	6	0.4%	85.7%	$405,000
Guidance Residential, LLC	Conventional	6	0.4%	100%	$351,666
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	6	0.4%	85.7%	$393,333
American Financial Network, Inc.	Conventional, FHA, VA	6	0.4%	100%	$355,000
Union Home Mortgage Corp.	Conventional, FHA, VA	6	0.4%	87.5%	$381,666
Zillow Home Loans, LLC	Conventional, VA	6	0.4%	100%	$506,666
Nfm, Inc	Conventional, FHA, VA	5	0.3%	100%	$385,000
New American Funding, LLC.	Conventional, VA, HELOC	4 +1 HELOCs	0.2%	80%	$267,500
Loanunited.Com, LLC	Conventional, FHA	4	0.2%	100%	$495,000
Platinum Eagle Mortgage, LLC	Conventional	4	0.2%	100%	$330,000
Cardinal Financial Company, Li	Conventional, VA	4	0.2%	100%	$260,000
Tomo Mortgage LLC	Conventional	4	0.2%	100%	$385,000
Village Capital & Investment	FHA, VA	4	0.2%	100%	$525,000
Spring Eq, LLC	Conventional, HELOC	3 +3 HELOCs	0.2%	21.4%	$118,333
Cadence Bank	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.2%	100%	$1,151,666
American Financial Resources LLC	Conventional, FHA	3	0.2%	100%	$341,666
Taylor Morrison Home Funding, Inc.	Conventional	3	0.2%	75%	$435,000
General Mortgage Capital Corporation	Conventional	3	0.2%	100%	$271,666
Constant Investments, Inc	Conventional	3	0.2%	100%	$228,333
Mortgage Financial Services	Conventional	3	0.2%	100%	$325,000
Weichert Financial Services	Conventional	3	0.2%	100%	$318,333
M/I Financial. LLC	Conventional, FHA	3	0.2%	100%	$498,333
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	3	0.2%	75%	$411,666	View
Emet Lending Group, Inc.	Conventional	3	0.2%	100%	$258,333
Better Mortgage Corporation	Conventional	3	0.2%	75%	$251,666
Prosperity Home Mortgage, LLC	Conventional, FHA	3	0.2%	75%	$258,333
The Mortgage Link, Inc.	Conventional	3	0.2%	100%	$311,666
JMAC Lending, Inc.	Conventional, FHA	3	0.2%	100%	$451,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	50%	$250,000	View
Fidelity Bank A5.0 ★Texas Ratio: 12.33%	Conventional	2	0.1%	100%	$310,000	View
Originpoint, LLC	Conventional	2	0.1%	100%	$430,000
Canopy Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$380,000
Nbkc Bank	Conventional	2	0.1%	66.7%	$545,000
Resicentral LLC	Conventional	2	0.1%	100%	$245,000
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	2	0.1%	25%	$170,000	View
PFN Lending Group, Inc.	Conventional	2	0.1%	100%	$420,000
Discover Bank	Conventional	2	0.1%	16.7%	$90,000
Das Acquisition Company, LLC	FHA, VA	2	0.1%	100%	$520,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$365,000
Kwik Mortgage Corporation	Conventional	2	0.1%	100%	$270,000
Stg Mortgage Inc	Conventional	2	0.1%	100%	$260,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$210,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional, Jumbo	2	0.1%	100%	$600,000
Waterstone Mortgage Corporation	Conventional	2	0.1%	100%	$395,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.1%	100%	$400,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.1%	100%	$465,000	View
Empeople Credit Union	Conventional	2	0.1%	100%	$275,000
Towne Mortgage Company	FHA, VA	2	0.1%	100%	$415,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0.1%	100%	$200,000
21St Mortgage	Conventional	2	0.1%	50%	$205,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	100%	$460,000
Carrington Mortgage Services LLC	Conventional, VA	2	0.1%	75%	$365,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$335,000	View
Cornerstone First Mortgage, LLC	FHA	1	0.1%	100%	$315,000
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$325,000	View
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$455,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$595,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$245,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$435,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	25%	$385,000	View
PHH Mortgage Corporation	Conventional	1	0.1%	50%	$585,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$375,000	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	VA	1	0.1%	100%	$395,000	View
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$315,000
Reliant Home Funding, Inc	FHA	1	0.1%	100%	$575,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$405,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$565,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$225,000	View
Nqm Funding, LLC	Conventional	1	0.1%	100%	$395,000
Flexpoint, Inc.	Conventional	1	0.1%	100%	$625,000
Select Lending Services, LLC A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$245,000	View
American Financing Corporation	Conventional	1	0.1%	33.3%	$205,000
ClearPath Lending	VA	1	0.1%	100%	$565,000
Calcon Mutual Mortgage LLC	FHA	1	0.1%	100%	$335,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$275,000	View
Jet HomeLoans, LP	FHA	1	0.1%	100%	$345,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$445,000	View
T2 Financial LLC	Conventional	1	0.1%	100%	$165,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	33.3%	$325,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$505,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$405,000
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0.1%	100%	$365,000	View
Valliance Bank A+5.0 ★Texas Ratio: 4.84%	Conventional	1	0.1%	100%	$25,000	View
Stockton Mortgage Corporation	Conventional	1	0.1%	100%	$555,000
Digital Federal Credit Union	Conventional	1	0.1%	100%	$95,000
V.I.P. Mortgage, Inc.	VA	1	0.1%	100%	$295,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.1%	100%	$1,035,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$465,000	View
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$285,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$545,000	View
Farm Credit Mid-America, Aca	Conventional	1	0.1%	100%	$585,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$265,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$725,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	25%	$135,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$405,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$525,000	View
My Move Mortgage, LLC	FHA	1	0.1%	100%	$445,000
Goprime Mortgage, Inc.	VA	1	0.1%	50%	$385,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	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.

Melissa 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 Melissa, Texas

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

Types of Mortgage Lenders in Melissa, TX

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

Mortgage companies and brokers 129 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 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 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 51 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 4 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 14 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 52 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Melissa, TX

Independent mortgage companies closed 90.9 percent of home loans in Melissa, Texas in 2025, banks 6.1 percent and credit unions 3 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Texas Republic Bank, N.A. led with 1 loans.

90.9%

Mortgage companies

6.1%

Banks

Credit unions

22%

FHA loans

10%

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

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Frequently Asked Questions About Mortgage Lenders in Melissa, TX

Who is the largest mortgage lender in Melissa, TX?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Melissa, Texas with 15 loans, about 0.9 percent of the market. The largest lender headquartered in Texas was Texas Republic Bank, N.A. with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Melissa, Texas, Republic State Mortgage Company approved the highest share of completed applications in 2025 at 97.9 percent, against a 87.7 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 Melissa, TX mortgage lenders offer FHA, VA and USDA loans?

59 lenders closed FHA loans in Melissa, Texas in 2025, led by Velocio Mortgage, L.L.C. with 93. 51 lenders closed VA loans, led by loanDepot.com LLC, and 4 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 Melissa, TX lender list?

Yes. 48 banks and 14 credit unions closed home loans in Melissa, Texas in 2025, alongside 129 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 Melissa, TX ranked on this page?

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