Mortgage Lenders and Brokers in Refugio, 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
Refugio, Texas mortgage lenders include Rally Credit UnionRally Credit Union1317 W Frontage Rd, Alamo, TX 78516 2388A+5.0 ★Texas Ratio: 4.20%, 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%, Synergy Federal Credit UnionSynergy Federal Credit Union1147 Cantwell Ln, Corpus Christi, TX 78407A+5.0 ★Texas Ratio: 1.39%, First State BankFirst State Bank403 S Alamo St, Refugio, TX 78377A5.0 ★Texas Ratio: 7.77%, Gardner Financial ServicesGardner Financial ServicesSan Antonio, TX, Willow Bend Mortgage Company, LLCWillow Bend Mortgage Company, LLCPlano, TX, Sfmc, LPSfmc, LPPlano, TX, Network Funding, L.P.Network Funding, L.P.Houston, TX, and Hometrust Mortgage CompanyHometrust Mortgage CompanyHouston, TX. 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 Refugio, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Refugio 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 Refugio, Texas
Market share is the lender's share of all home loans closed in Refugio, 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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1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 3.7% | 40% | $125,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 3.7% | 100% | $45,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 3.7% | 100% | $125,000 | View |
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1147 Cantwell Ln, Corpus Christi, TX 78407 A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 3.7% | 100% | $335,000 | View |
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403 S Alamo St, Refugio, TX 78377 A5.0 ★Texas Ratio: 7.77% |
Conventional | 1 | 3.7% | 100% | $145,000 | View |
Gardner Financial Services
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FHA | 2 | 7.4% | 100% | $130,000 | |
Willow Bend Mortgage Company, LLC
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FHA | 1 | 3.7% | 100% | $255,000 | |
Sfmc, LP
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USDA | 1 | 3.7% | 100% | $185,000 | |
Network Funding, L.P.
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FHA | 1 | 3.7% | 100% | $205,000 | |
Hometrust Mortgage Company
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USDA | 1 | 3.7% | 100% | $85,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 3 | 11.1% | 100% | $138,333 | View |
21St Mortgage
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Conventional | 2 | 7.4% | 20% | $150,000 | |
United Wholesale Mortgage
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FHA | 1 | 3.7% | 100% | $285,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 3.7% | 100% | $155,000 | |
Hamilton Mortgage Corporation
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FHA | 1 | 3.7% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 3.7% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 3.7% | 27.3% | $115,000 | View |
American Liberty Mortgage Inco
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Conventional | 1 | 3.7% | 100% | $205,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 3.7% | 100% | $175,000 | |
Mortgage Research Center
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VA | 1 | 3.7% | 33.3% | $135,000 | |
New American Funding, LLC.
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FHA | 1 | 3.7% | 25% | $145,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 3.7% | 100% | $125,000 | |
Paramount Residential Mortgage
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FHA | 1 | 3.7% | 100% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Refugio 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 Refugio, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Refugio? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Refugio in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Refugio, TX
Use these to narrow the list above. Each category shows how many Refugio, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Refugio, TX
Independent mortgage companies closed 81.5 percent of home loans in Refugio, Texas in 2025, banks 7.4 percent and credit unions 11.1 percent. Gardner Financial Services was the largest mortgage company, Wells Fargo Bank NA the largest bank and Rally Credit Union the largest credit union. Among lenders headquartered in Texas, Rally Credit Union led with 1 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 Refugio, TX
By home loans closed in 2025, Rally Credit Union was the largest mortgage lender in Refugio, Texas with 1 loans, about 3.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Refugio, Texas in 2025, led by Gardner Financial Services with 2. 1 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 2 banks and 3 credit unions closed home loans in Refugio, Texas in 2025, alongside 19 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 Refugio, 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 Refugio, 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 Refugio. 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.
