Mortgage Lenders and Brokers in Payne Springs, 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
Payne Springs, Texas mortgage lenders include Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, Trinity Capital Bank of TexasTrinity Capital Bank of Texas1301 N Riverfront Blvd, Dallas, TX 75207A+5.0 ★Texas Ratio: 3.35%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, Harmony BankHarmony Bank247 W Davis St, Dallas, TX 75208A+5.0 ★Texas Ratio: 0.07%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Extraco Banks, NAExtraco Banks, NA2000 N Main St, Belton, TX 76513A+5.0 ★Texas Ratio: 0.26%, and Verabank,N.A.Verabank,N.A.739 E Tyler St, Athens, TX 75751A+5.0 ★Texas Ratio: 5.54%. 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 Payne Springs, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Payne Springs 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 Payne Springs, Texas
Market share is the lender's share of all home loans closed in Payne Springs, 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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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 2 | 3.4% | 66.7% | $95,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 50% | $105,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.7% | 100% | $165,000 | View |
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1301 N Riverfront Blvd, Dallas, TX 75207 A+5.0 ★Texas Ratio: 3.35% |
Conventional | 1 | 1.7% | 100% | $335,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.7% | 100% | $145,000 | View |
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247 W Davis St, Dallas, TX 75208 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 1.7% | 100% | $365,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 1.7% | 100% | $55,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.7% | 100% | $285,000 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
VA | 1 | 1.7% | 100% | $355,000 | View |
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739 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 1.7% | 100% | $255,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 1.7% | 100% | $155,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 1 | 1.7% | 100% | $275,000 | View |
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2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 1.7% | 100% | $65,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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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 | |
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3641 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 5.1% | 100% | $325,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $225,000 | |
Clm Mortgage, Inc
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Conventional | 1 | 1.7% | 100% | $235,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 1.7% | 100% | $215,000 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 8.5% | 85.7% | $145,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 5 | 8.5% | 75% | $149,000 | View |
21St Mortgage
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Conventional | 4 | 6.8% | 57.1% | $112,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 5.1% | 25% | $108,333 | |
CrossCountry Mortgage, LLC
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FHA, VA, Jumbo | 2 | 3.4% | 100% | $520,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 3.4% | 100% | $440,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 3.4% | 100% | $95,000 | |
Village Capital & Investment
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VA | 2 | 3.4% | 100% | $265,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.7% | 100% | $305,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 1.7% | 100% | $185,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 1.7% | 100% | $145,000 | |
Newrez LLC
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FHA | 1 | 1.7% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1.7% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 3.34% |
FHA | 1 | 1.7% | 100% | $195,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 1.7% | 100% | $115,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.7% | 100% | $275,000 | |
New Day Financial, LLC.
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VA | 1 | 1.7% | 100% | $375,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $235,000 | |
Mortgage Research Center
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VA | 1 | 1.7% | 100% | $185,000 | |
New American Funding, LLC.
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FHA | 1 | 1.7% | 50% | $135,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.7% | 100% | $505,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.7% | 33.3% | $105,000 |
Payne Springs 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 Payne Springs, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Payne Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Payne Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Payne Springs, TX
Use these to narrow the list above. Each category shows how many Payne Springs, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Payne Springs, TX
Independent mortgage companies closed 76.3 percent of home loans in Payne Springs, Texas in 2025, banks 16.9 percent and credit unions 6.8 percent. Ark-La-Tex Financial Services LLC 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 Payne Springs, TX
By home loans closed in 2025, Prosperity Bank was the largest mortgage lender in Payne Springs, 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.
8 lenders closed FHA loans in Payne Springs, Texas in 2025, led by Ark-La-Tex Financial Services LLC with 1. 6 lenders closed VA loans, led by Village Capital & Investment. 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 Payne Springs, Texas in 2025, alongside 26 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 Payne Springs, 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 Payne Springs, 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 Payne Springs. 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.
