Mortgage Lenders and Brokers in Pharr, 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
Pharr, Texas mortgage lenders include Lone Star National BankLone Star National Bank206 W Ferguson St, Pharr, TX 78577A+5.0 ★Texas Ratio: 4.93%, Bank of America NABank of America NA501 S Jackson Rd, Pharr, TX 78577A+5.0 ★Texas Ratio: 4.14%, Rally Credit UnionRally Credit Union520 N Jackson Rd, Pharr, TX 78577 2109A+5.0 ★Texas Ratio: 4.20%, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Texas National BankTexas National Bank1414 Ruben M Torres Blvd, Brownsville, TX 78521, International Bank of CommerceInternational Bank of Commerce1007 N Veterans Blvd, Pharr, TX 78577, Texas Regional BankTexas Regional Bank1001 Congress Ave, Austin, TX 78701A5.0 ★Texas Ratio: 7.25%, H-E-B Federal Credit UnionH-E-B Federal Credit Union4630 N Loop 1604 W Ste 101, San Antonio, TX 78249A+5.0 ★Texas Ratio: 0.70%, and Greater Texas FCUGreater Texas FCU1425 N CENTER ST, ARLINGTON, TX 76011. 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 Pharr, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pharr 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 Pharr, Texas
Market share is the lender's share of all home loans closed in Pharr, 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 office in Pharr 206 W Ferguson St, Pharr, TX 78577 A+5.0 ★Texas Ratio: 4.93% |
Conventional, FHA, VA | 4 | 1% | 50% | $172,500 | View |
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1 office in Pharr 501 S Jackson Rd, Pharr, TX 78577 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +3 HELOCs |
0.8% | 75% | $111,666 | View |
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520 N Jackson Rd, Pharr, TX 78577 2109 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 30 | 7.8% | 47.2% | $123,000 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 17 +5 HELOCs |
4.4% | 75% | $111,470 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 12 | 3.1% | 85.7% | $206,666 | View |
Texas National Bank
1414 Ruben M Torres Blvd, Brownsville, TX 78521 |
Conventional, FHA | 6 | 1.6% | 85.7% | $316,666 | |
International Bank of Commerce
1007 N Veterans Blvd, Pharr, TX 78577 |
Conventional | 4 | 1% | 83.3% | $82,500 | |
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1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25% |
Conventional | 3 | 0.8% | 100% | $265,000 | View |
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4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
Greater Texas FCU
1425 N CENTER ST, ARLINGTON, TX 76011 |
Conventional | 1 | 0.3% | 25% | $55,000 | |
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470 E Morrison Rd, Brownsville, TX 78526 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
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406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 0.3% | 100% | $285,000 | 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 | 0.3% | 14.3% | $135,000 | View |
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1218 W Dicker Dr, Pharr, TX 78577 9498 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 1 | 0.3% | 33.3% | $55,000 | View |
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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% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Right Start Mortgage, Inc
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FHA, VA | 18 | 4.7% | 90% | $196,111 | |
Directions Equity, LLC
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Conventional, FHA, VA | 7 | 1.8% | 100% | $307,857 | |
Interlinc Mortgage Services, LLC
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Conventional, FHA | 6 | 1.6% | 100% | $240,000 | |
Willow Bend Mortgage Company, LLC
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Conventional, FHA | 6 | 1.6% | 100% | $196,666 | |
Southwest Funding LP
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Conventional, FHA | 4 | 1% | 100% | $140,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.5% | 42.9% | $195,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.3% | 50% | $45,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 32 | 8.3% | 97.1% | $293,437 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 27 | 7% | 93.1% | $263,888 | |
Movement Mortgage, LLC
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Conventional, FHA | 23 | 5.9% | 100% | $133,695 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, HELOC | 21 +3 HELOCs |
5.4% | 91.7% | $187,857 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 20 | 5.2% | 66.7% | $176,500 | View |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 19 | 4.9% | 95% | $170,263 | |
Synergy One Lending, Inc.
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Conventional, FHA | 10 | 2.6% | 76.9% | $282,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 9 | 2.3% | 90% | $173,888 | |
Nations Lending Corporation
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Conventional, FHA | 8 | 2.1% | 100% | $166,250 | |
Paramount Residential Mortgage
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FHA | 8 | 2.1% | 88.9% | $236,250 | |
Lower, LLC
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Conventional, FHA, VA | 7 | 1.8% | 70% | $212,142 | |
21St Mortgage
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Conventional | 6 | 1.6% | 40% | $91,666 | |
Mortgage Research Center
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VA | 5 | 1.3% | 71.4% | $271,000 | |
Griffin Funding Inc.
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Conventional | 5 | 1.3% | 100% | $355,000 | |
Primary Residential Mortgage, INC.
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Conventional | 3 | 0.8% | 100% | $185,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 3 | 0.8% | 100% | $315,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.8% | 75% | $128,333 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.5% | 25% | $170,000 | View |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.5% | 50% | $175,000 | |
Freedom Mortgage Corporation
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VA | 2 | 0.5% | 100% | $285,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.5% | 20% | $500,000 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.5% | 100% | $400,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 2 | 0.5% | 25% | $120,000 | View |
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A+5.0 ★Texas Ratio: 3.34% |
Conventional, FHA | 2 | 0.5% | 100% | $370,000 | View |
Bayshore Mortgage Funding
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Conventional | 2 | 0.5% | 100% | $135,000 | |
Land Home Financial Services,
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FHA | 2 | 0.5% | 100% | $265,000 | |
Pentagon Federal Credit Union
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Conventional, FHA | 2 | 0.5% | 100% | $275,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.5% | 100% | $270,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.5% | 33.3% | $40,000 | |
ML Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $355,000 | |
Equity Prime Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.3% | 50% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.3% | 33.3% | $55,000 | View |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 14.3% | $165,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Securitynational Mortgage Company
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Conventional | 1 | 0.3% | 50% | $245,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $435,000 | |
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A5.0 ★Texas Ratio: 7.80% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
American Pacific Mortgage Corporation
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FHA | 1 | 0.3% | 50% | $175,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $165,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.3% | 33.3% | $95,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.3% | 50% | $135,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $135,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.3% | 100% | $365,000 | View |
Leaderone Financial Corp.
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FHA | 1 | 0.3% | 100% | $145,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $285,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a |
Pharr 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 Pharr, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Pharr? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pharr in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pharr, TX
Use these to narrow the list above. Each category shows how many Pharr, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Pharr, TX
Independent mortgage companies closed 76.5 percent of home loans in Pharr, Texas in 2025, banks 9.6 percent and credit unions 14 percent. Right Start Mortgage, Inc was the largest mortgage company, Lone Star National Bank the largest bank and Rally Credit Union the largest credit union. Among lenders headquartered in Texas, Lone Star National Bank led with 4 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 Pharr, TX
By home loans closed in 2025, Lone Star National Bank was the largest mortgage lender in Pharr, Texas with 4 loans, about 1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Pharr, Texas in 2025, led by CrossCountry Mortgage, LLC with 24. 17 lenders closed VA loans, led by Mortgage Research Center, 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.
Yes. 12 banks and 9 credit unions closed home loans in Pharr, Texas in 2025, alongside 59 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 Pharr, 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 Pharr, 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 Pharr. 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.
