Mortgage Lenders and Brokers in Palacios, Texas
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Palacios, Texas mortgage lenders include Prosperity BankProsperity Bank600 Henderson St, Palacios, TX 77465A+5.0 ★Texas Ratio: 1.58%, First Financial BankFirst Financial Bank459 Main St, Palacios, TX 77465A+5.0 ★Texas Ratio: 3.74%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Bokf NABokf NA792 S Watters Rd, Allen, TX 75013A+5.0 ★Texas Ratio: 1.05%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Sente Mortgage, Inc.Sente Mortgage, Inc.6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673, First Service Credit UnionFirst Service Credit Union3923 5th St, Brookshire, TX 77423A+5.0 ★Texas Ratio: 4.24%, and Smart Financial Credit UnionSmart Financial Credit Union3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%. 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 Palacios, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Palacios 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 Palacios, Texas
Market share is the lender's share of all home loans closed in Palacios, 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 |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Palacios 600 Henderson St, Palacios, TX 77465 A+5.0 ★Texas Ratio: 1.58% |
Conventional, FHA | 2 | 4.9% | 66.7% | $170,000 | View |
|
1 office in Palacios 459 Main St, Palacios, TX 77465 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 2 | 4.9% | 66.7% | $355,000 | View |
|
2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 4 | 9.8% | 100% | $160,000 | View |
|
3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 7.3% | 100% | $285,000 | View |
|
792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 2.4% | 100% | $365,000 | View |
|
10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 2.4% | 100% | $235,000 | View |
|
3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 2.4% | 50% | $255,000 | View |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
Conventional | 1 | 2.4% | 100% | $245,000 | |
|
3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 2.4% | 100% | $135,000 | View |
|
3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
SWBC Mortgage Corporation
|
Conventional | 1 | 2.4% | 100% | $165,000 | |
Gardner Financial Services
|
Conventional | 1 | 2.4% | 100% | $285,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 3 | 7.3% | 100% | $381,666 | |
|
B+4.7 ★Texas Ratio: 18.17% |
Conventional | 3 | 7.3% | 30% | $155,000 | View |
|
B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 4.9% | 100% | $220,000 | View |
Freedom Mortgage Corporation
|
FHA | 1 | 2.4% | 100% | $125,000 | |
Canopy Mortgage, LLC
|
Conventional | 1 | 2.4% | 100% | $245,000 | |
Nbkc Bank
|
VA | 1 | 2.4% | 100% | $255,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 2.4% | 100% | $205,000 | View |
AmeriHome Mortgage Company, LLC
|
Conventional | 1 | 2.4% | 100% | $135,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 2.4% | 100% | $285,000 | |
American Liberty Mortgage Inco
|
FHA | 1 | 2.4% | 100% | $215,000 | |
|
A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 2.4% | 100% | $485,000 | |
T2 Financial LLC
|
FHA | 1 | 2.4% | 100% | $255,000 | |
Waterstone Mortgage Corporation
|
Conventional | 1 | 2.4% | 100% | $505,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 2.4% | 100% | $185,000 | View |
Mortgage Research Center
|
VA | 1 | 2.4% | 100% | $245,000 | |
New American Funding, LLC.
|
Conventional | 1 | 2.4% | 100% | $125,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 2.4% | 100% | $255,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 2.4% | 100% | $185,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Palacios 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 Palacios, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Palacios? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Palacios in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Palacios, TX
Use these to narrow the list above. Each category shows how many Palacios, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Palacios, TX
Independent mortgage companies closed 43.9 percent of home loans in Palacios, Texas in 2025, banks 39 percent and credit unions 17.1 percent. Sente Mortgage, Inc. was the largest mortgage company, Prosperity Bank the largest bank and Tdecu the largest credit union. Among lenders headquartered in Texas, Prosperity Bank 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 Palacios, TX
By home loans closed in 2025, Prosperity Bank was the largest mortgage lender in Palacios, Texas with 2 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Palacios, Texas in 2025, led by Prosperity Bank with 1. 7 lenders closed VA loans, led by Usaa Federal Savings Bank. 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 5 credit unions closed home loans in Palacios, Texas in 2025, alongside 15 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 Palacios, 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 Palacios, 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 Palacios. 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.
