Mortgage Lenders and Brokers in Richmond, 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
Richmond, Texas mortgage lenders include Frost BankFrost Bank18530 W Airport Blvd, Richmond, TX 77407A+5.0 ★Texas Ratio: 2.51%, Wells Fargo Bank NAWells Fargo Bank NA700 Jackson St, Richmond, TX 77469A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA8102 W Grand Pkwy S, Richmond, TX 77406A+5.0 ★Texas Ratio: 4.14%, Regions BankRegions Bank18801 Somerled Ave, Richmond, TX 77407A+5.0 ★Texas Ratio: 4.37%, PNC Bank N.A.PNC Bank N.A.1202 Jackson St, Richmond, TX 77469A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8027 W Grand Pkwy S, Richmond, TX 77407A+5.0 ★Texas Ratio: 3.68%, Prosperity BankProsperity Bank2035 Fm 359 Rd, Richmond, TX 77406A+5.0 ★Texas Ratio: 1.58%, First Service Credit UnionFirst Service Credit Union3923 5th St, Brookshire, TX 77423A+5.0 ★Texas Ratio: 4.24%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, and Newfirst National BankNewfirst National Bank700 N Wells St, Edna, TX 77957A+5.0 ★Texas Ratio: 1.36%. 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 Richmond, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richmond 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 Richmond, Texas
Market share is the lender's share of all home loans closed in Richmond, 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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★ 5 stars, 1 review 1 office in Richmond 18530 W Airport Blvd, Richmond, TX 77407 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 5 +1 HELOCs |
2.1% | 71.4% | $105,000 | View |
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1 office in Richmond 700 Jackson St, Richmond, TX 77469 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1.7% | 66.7% | $182,500 | View |
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1 office in Richmond 8102 W Grand Pkwy S, Richmond, TX 77406 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +6 HELOCs |
0.4% | 100% | $225,000 | View |
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1 office in Richmond 18801 Somerled Ave, Richmond, TX 77407 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $25,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Richmond 1202 Jackson St, Richmond, TX 77469 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $135,000 | View |
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1 office in Richmond 8027 W Grand Pkwy S, Richmond, TX 77407 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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★ 1 stars, 1 review 1 office in Richmond 2035 Fm 359 Rd, Richmond, TX 77406 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.4% | 25% | $505,000 | View |
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3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 4 | 1.7% | 100% | $255,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 3 | 1.3% | 75% | $238,333 | View |
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700 N Wells St, Edna, TX 77957 A+5.0 ★Texas Ratio: 1.36% |
Conventional | 3 | 1.3% | 100% | $131,666 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 0.8% | 100% | $165,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 2 | 0.8% | 100% | $195,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 33.3% | $155,000 | View |
First Community Credit Union
10161 W Grand Parkway, Richmond, TX 77407 |
Conventional | 1 | 0.4% | 50% | $125,000 | |
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★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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1400 Franklin St, Houston, TX 77002 2147 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
Fivepoint Credit Union
4005 Dowlen Rd, Beaumont, TX 77706 6850 |
Conventional | 1 | 0.4% | 100% | $205,000 | |
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10300 Town Park Dr, Houston, TX 77072 5236 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.4% | 100% | $535,000 | View |
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1600 Memorial Dr, Houston, TX 77007 7702 A+5.0 ★Texas Ratio: 1.89% |
Conventional | 1 | 0.4% | 100% | $65,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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805 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Brazos Valley Schools Credit U
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Conventional | 4 | 1.7% | 100% | $162,500 | |
Network Funding, L.P.
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Conventional, FHA | 3 | 1.3% | 100% | $341,666 | |
Nationstar Mortgage
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Conventional | 3 | 1.3% | 100% | $138,333 | |
Click n' Close, Inc.
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Conventional | 2 | 0.8% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.8% | 100% | $335,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Republic State Mortgage Company
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Gardner Financial Services
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.4% | 50% | $405,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 50% | $365,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 37 | 15.5% | 86% | $341,216 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 25 | 10.5% | 89.7% | $255,800 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 9 | 3.8% | 100% | $367,222 | View |
V.I.P. Mortgage, Inc.
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Conventional, FHA, VA | 8 | 3.3% | 100% | $375,000 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 1.7% | 100% | $250,000 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 1.7% | 66.7% | $375,000 | |
Provident Funding Associates
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Conventional | 4 | 1.7% | 100% | $455,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1.7% | 100% | $195,000 | |
Paramount Residential Mortgage
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Conventional | 4 | 1.7% | 80% | $397,500 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.3% | 83.3% | $328,333 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.3% | 100% | $281,666 | |
Cmg Mortgage Inc
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FHA, USDA | 3 | 1.3% | 71.4% | $225,000 | |
Securitynational Mortgage Company
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Conventional, FHA | 3 | 1.3% | 100% | $308,333 | |
Mortgage Research Center
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FHA, VA | 3 | 1.3% | 100% | $338,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.3% | 60% | $381,666 | |
Spring Eq, LLC
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Conventional | 3 | 1.3% | 75% | $95,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.8% | 40% | $225,000 | |
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B+4.0 ★Texas Ratio: 2.09% |
Conventional | 2 | 0.8% | 100% | $485,000 | View |
Taylor Morrison Home Funding, Inc.
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Conventional | 2 | 0.8% | 100% | $415,000 | |
Guidance Residential, LLC
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Conventional | 2 | 0.8% | 100% | $430,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $210,000 | |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional, FHA | 2 | 0.8% | 100% | $125,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 2 | 0.8% | 100% | $315,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.8% | 100% | $255,000 | |
Citadel Servicing Corporation
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Conventional | 2 | 0.8% | 100% | $455,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.8% | 100% | $320,000 | |
21St Mortgage
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Conventional | 2 | 0.8% | 50% | $55,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.8% | 28.6% | $75,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $345,000 | |
Cadence Bank
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.4% | 100% | $395,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 50% | $275,000 | |
MortgageOne, Inc
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Conventional | 1 | 0.4% | 100% | $595,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 100% | $295,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.4% | 33.3% | $455,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.4% | 50% | $265,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $485,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.4% | 100% | $285,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $355,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
Obsidian Financial Services
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Conventional | 1 | 0.4% | 100% | $455,000 | |
United Built Homes, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
City 1st Mortgage Services, LC
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FHA | 1 | 0.4% | 100% | $495,000 | |
Ahl Funding
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FHA | 1 | 0.4% | 100% | $375,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 25% | $125,000 | |
Citizens Equity First Credit U
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Nfm, Inc
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FHA | 1 | 0.4% | 100% | $245,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.4% | 100% | $605,000 | |
Nations Lending Corporation
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VA | 1 | 0.4% | 100% | $305,000 | |
Emet Lending Group, Inc.
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Uif Corporation
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Keystone Funding, Inc
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FHA | 1 | 0.4% | 100% | $175,000 | |
Geo-Corp, Inc.
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FHA | 1 | 0.4% | 100% | $465,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $275,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $405,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.4% | 100% | $235,000 | |
First Technology Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $665,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.4% | 33.3% | $205,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a |
Richmond 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 Richmond, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Richmond? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richmond in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richmond, TX
Use these to narrow the list above. Each category shows how many Richmond, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Richmond, TX
Independent mortgage companies closed 75.7 percent of home loans in Richmond, Texas in 2025, banks 15.1 percent and credit unions 9.2 percent. Network Funding, L.P. was the largest mortgage company, Frost Bank the largest bank and First Service Credit Union the largest credit union. Among lenders headquartered in Texas, Frost Bank led with 5 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 Richmond, TX
By home loans closed in 2025, Frost Bank was the largest mortgage lender in Richmond, Texas with 5 loans, about 2.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Richmond, Texas in 2025, led by United Wholesale Mortgage with 5. 8 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. 23 banks and 12 credit unions closed home loans in Richmond, Texas in 2025, alongside 64 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 Richmond, 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 Richmond, 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 Richmond. 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.
