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Mortgage Lenders and Brokers in Royse City, Texas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Royse City, Texas mortgage lenders include American National Bank of TexaAmerican National Bank of Texa123 E Interstate 30, Royse City, TX 75189B+4.0 ★Texas Ratio: 2.41%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, First BankFirst Bank900 Bailey Ranch Rd, Aledo, TX 76008A5.0 ★Texas Ratio: 6.67%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, and Community National Bank & Trust of TexasCommunity National Bank & Trust of Texas2109 N Center St, Bonham, TX 75418A+5.0 ★Texas Ratio: 2.19%. 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 Royse City, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Royse City 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 Royse City, Texas

Market share is the lender's share of all home loans closed in Royse City, 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
American National Bank of Texa 1 office in Royse City 123 E Interstate 30, Royse City, TX 75189 B+4.0 ★Texas Ratio: 2.41%	Conventional	10	0.7%	90.9%	$340,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA, HELOC	18 +2 HELOCs	1.2%	100%	$301,666
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	11 +6 HELOCs	0.7%	78.6%	$87,727	View
JPMorgan Chase Bank, NA 3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	7	0.5%	87.5%	$397,857	View
American National Bank & Trust 108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83%	Conventional, FHA	7	0.5%	100%	$382,142	View
First Bank 900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67%	Conventional, FHA	5	0.3%	100%	$311,000	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	3	0.2%	100%	$308,333	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, VA	3	0.2%	100%	$425,000	View
Wells Fargo Bank NA 3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.2%	75%	$205,000	View
Community National Bank & Trust of Texas 2109 N Center St, Bonham, TX 75418 A+5.0 ★Texas Ratio: 2.19%	Conventional, VA	3	0.2%	100%	$331,666	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional	3	0.2%	100%	$271,666	View
Alliance Bank 9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84%	Conventional, Jumbo	3	0.2%	80%	$1,081,666	View
Bank of America NA 2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +4 HELOCs	0.1%	40%	$315,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, VA, HELOC	2 +1 HELOCs	0.1%	100%	$520,000	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	2 +1 HELOCs	0.1%	66.7%	$525,000	View
Advancial Federal Credit Union 1259 W Exchange Pkwy Ste 100, Allen, TX 75013 A5.0 ★Texas Ratio: 12.30%	Conventional	2	0.1%	100%	$100,000
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	2	0.1%	100%	$310,000	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional	2	0.1%	100%	$265,000	View
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	2	0.1%	100%	$160,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional	2	0.1%	100%	$295,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, Jumbo	2	0.1%	66.7%	$880,000	View
Inwood National Bank 1312 Washington St, Commerce, TX 75428 A+5.0 ★Texas Ratio: 1.84%	Conventional, FHA	2	0.1%	100%	$175,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	100%	$280,000	View
Red River Employees Federal Credit Union 105 Loop 59, Atlanta, TX 75551 A+5.0 ★Texas Ratio: 4.75%	Conventional	2	0.1%	100%	$85,000	View
First Community Credit Union 1600 E Main St, Alice, TX 78332	Conventional	1	0.1%	100%	$475,000
Tdecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$275,000	View
Rally Credit Union 1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0.1%	100%	$205,000	View
b1BANK 14951 Dallas Pkwy, Dallas, TX 75254 A5.0 ★Texas Ratio: 9.53%	Conventional	1	0.1%	100%	$245,000	View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.1%	50%	$35,000	View
Trinity Capital Bank of Texas 1301 N Riverfront Blvd, Dallas, TX 75207 A+5.0 ★Texas Ratio: 3.35%	Conventional	1	0.1%	100%	$305,000	View
H-E-B Federal Credit Union 4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$515,000	View
Lone Star Credit Union 1515 Fannin St Ste D, Columbus, TX 78934 A+5.0 ★Texas Ratio: 2.03%	Conventional	1	0.1%	50%	$45,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	33.3%	$305,000	View
Intouch Credit Union 1010 W Exchange Pkwy Ste 170, Allen, TX 75013 7113 A5.0 ★Texas Ratio: 11.58%	Conventional	1	0.1%	100%	$175,000	View
First National Bank Texas 2701 E Main St, Alice, TX 78332 A4.7 ★Texas Ratio: 3.20%	FHA	1	0.1%	100%	$235,000	View
Prosperity Bank ★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58%	Conventional	1	0.1%	33.3%	$305,000	View
Citizens State Bank 2007 S Day St, Brenham, TX 77833 A5.0 ★Texas Ratio: 12.20%	Conventional	1	0.1%	100%	$485,000	View
Sunflower Bank, N.A. 623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77%	FHA	1	0.1%	100%	$335,000	View
Credit Union of Texas 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +11 HELOCs	0%	n/a		View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24%	HELOC	0 +2 HELOCs	0%	n/a		View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	n/a		View
Hancock Whitney Bank ★ 4 stars, 3 reviews 7800 Shoal Creek Boulevard, Austin, TX 78757 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +1 HELOCs	0%	n/a		View
Texans Credit Union 406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22%	HELOC	0 +1 HELOCs	0%	0%		View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	HELOC	0 +1 HELOCs	0%	n/a		View
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	248	16.5%	89.4%	$289,354
Primelending	Conventional, FHA, VA	60	4%	92.5%	$366,166
Priority Home Mortgage, L.P.	Conventional, FHA, VA	53	3.5%	100%	$337,264
Sfmc, LP	Conventional, FHA, VA	47	3.1%	94.5%	$329,893
Republic State Mortgage Company	Conventional, FHA, VA	39	2.6%	97.5%	$309,871
Integrity Mortgage Corporation of Texas	Conventional, FHA	16	1.1%	100%	$360,000
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	15	1%	83.3%	$355,000
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	14	0.9%	100%	$350,000
Crestmark Mortgage Company, Ltd	Conventional, FHA, VA	12	0.8%	100%	$457,500
Pikeview Mortgage, LLC	Conventional, FHA	11	0.7%	100%	$343,181
PrimeLending Ventures LLC	Conventional	9	0.6%	90%	$383,888
Nationstar Mortgage	Conventional, FHA	8	0.5%	80%	$225,000
Right Start Mortgage, Inc	Conventional, FHA	7	0.5%	100%	$317,857
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	4	0.3%	100%	$260,000
Click n' Close, Inc.	Conventional, FHA	3	0.2%	100%	$231,666
Efinity Financial LLC A+5.0 ★Texas Ratio: 0.00%	Conventional, FHA, VA	3	0.2%	100%	$388,333	View
Aaxy LLC	Conventional	3	0.2%	100%	$208,333
SWBC Mortgage Corporation	FHA, VA	2	0.1%	100%	$305,000
Orchard Mortgage, LLC	Conventional	2	0.1%	100%	$210,000
Gardner Financial Services	Conventional, VA	2	0.1%	100%	$365,000
Red Diamond Home Loans, LLC	Conventional	2	0.1%	100%	$240,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	2	0.1%	100%	$195,000	View
Southwest Funding LP	Conventional	2	0.1%	100%	$315,000
Interlinc Mortgage Services, LLC	FHA	1	0.1%	100%	$335,000
Capital Concepts Inc	Conventional	1	0.1%	100%	$385,000
Directions Equity, LLC	VA	1	0.1%	100%	$335,000
Network Funding, L.P.	Conventional	1	0.1%	16.7%	$155,000
Jacqueline Montanez	Conventional	1	0.1%	100%	$35,000
Hurst Real Estate, Inc	Conventional	1	0.1%	100%	$515,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	100%	$295,000
Heritage Mortgage, LLC C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0.1%	100%	$335,000	View
Parkstone Mortgage, LLC	FHA	1	0.1%	100%	$495,000
First Continental Mortgage, Ltd.	FHA	1	0.1%	100%	$515,000
loanDepot.com LLC	Conventional, FHA, VA	125	8.3%	91.9%	$307,080
United Wholesale Mortgage	Conventional, FHA, VA	81	5.4%	81%	$349,938
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	62	4.1%	79.5%	$282,741	View
Lennar Mortgage, LLC	Conventional, FHA, VA	32	2.1%	65.3%	$237,812
Union Home Mortgage Corp.	Conventional, FHA, VA	29	1.9%	100%	$312,931
Freedom Mortgage Corporation	Conventional, FHA, VA	26	1.7%	86.5%	$356,538
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	24	1.6%	83.3%	$353,333
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	22	1.5%	100%	$409,545
M/I Financial. LLC	Conventional, FHA, VA	20	1.3%	100%	$284,500
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	18	1.2%	90%	$373,888
Lower, LLC	Conventional, FHA, VA	18	1.2%	100%	$377,222
K. Hovnanian American Mortgage	Conventional, FHA, VA	17	1.1%	68%	$323,823
Fairway Independent Mort Corp	Conventional, FHA	13	0.9%	92.9%	$321,153
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	12	0.8%	61.9%	$234,166	View
First Equity Mortgage Inc	Conventional, FHA, VA	12	0.8%	100%	$442,500
The Loan Store, Inc	Conventional, FHA	12	0.8%	80%	$260,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	12	0.8%	63.2%	$187,500
American Pacific Mortgage Corporation	Conventional, FHA, USDA	11	0.7%	84.6%	$263,181
Newrez LLC	Conventional, VA, USDA	10	0.7%	66.7%	$341,000
Kind Lending, LLC	Conventional, FHA, VA	9	0.6%	71.4%	$376,111
Mutual of Omaha Mortgage	Conventional, FHA, VA	9	0.6%	100%	$337,222
New American Funding, LLC.	Conventional, FHA, VA	9	0.6%	90%	$290,555
Paramount Residential Mortgage	Conventional, FHA	9	0.6%	100%	$346,111
Planet Home Lending, LLC	Conventional, FHA, VA	8	0.5%	100%	$357,500
21St Mortgage	Conventional	8	0.5%	40%	$117,500
American Portfolio Mortgage Corporation	Conventional, FHA, VA, USDA	7	0.5%	87.5%	$309,285
Lakeview Loan Servicing, LLC	Conventional, FHA	7	0.5%	42.9%	$345,000
Mortgage Research Center	VA	7	0.5%	41.2%	$339,285
Plaza Home Mortgage, Inc	Conventional, FHA, VA, Jumbo	7	0.5%	77.8%	$605,000
Acrisure Mortgage, LLC	Conventional, FHA, VA	6	0.4%	100%	$371,666
Movement Mortgage, LLC	Conventional, FHA, VA	6	0.4%	100%	$263,333
Sun West Mortgage Company, Inc	Conventional, VA	6	0.4%	100%	$305,000
Cardinal Financial Company, Li	Conventional, FHA, VA	6	0.4%	75%	$320,000
Inspire Home Loans Inc. A+5.0 ★Texas Ratio: 3.22%	FHA, VA	6	0.4%	100%	$316,666	View
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	5	0.3%	100%	$235,000	View
AmeriHome Mortgage Company, LLC	FHA, VA	5	0.3%	83.3%	$329,000
Provident Funding Associates	Conventional	5	0.3%	100%	$283,000
V.I.P. Mortgage, Inc.	Conventional, FHA	5	0.3%	100%	$335,000
Prosperity Home Mortgage, LLC	Conventional, VA	5	0.3%	85.7%	$307,000
Guaranteed Rate, Inc.	Conventional, FHA, VA	4	0.3%	100%	$420,000
Summit Funding.Inc	Conventional, FHA, VA	4	0.3%	100%	$150,000
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$261,666
Equity Prime Mortgage LLC	FHA, VA	3	0.2%	100%	$301,666
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	3	0.2%	100%	$368,333	View
Uif Corporation	Conventional	3	0.2%	100%	$241,666
Pike Creek Mortgage Services, Inc.	Conventional, VA	3	0.2%	100%	$318,333
Mortgage Solutions of Colorado	VA	3	0.2%	100%	$331,666
Zillow Home Loans, LLC	Conventional, FHA	3	0.2%	75%	$271,666
The Mortgage Link, Inc.	Conventional, FHA	3	0.2%	100%	$245,000
Village Capital & Investment	VA	3	0.2%	88.9%	$385,000
ML Mortgage Corp.	FHA	2	0.1%	100%	$285,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	2	0.1%	100%	$410,000	View
Originpoint, LLC	Conventional	2	0.1%	100%	$300,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$110,000
Goodleap, LLC	Conventional, FHA	2	0.1%	50%	$255,000
PHH Mortgage Corporation	Conventional	2	0.1%	100%	$365,000
Deephaven Mortgage LLC	Conventional	2	0.1%	66.7%	$245,000
Synergy One Lending, Inc.	Conventional, VA	2	0.1%	100%	$405,000
Constant Investments, Inc	Conventional	2	0.1%	100%	$300,000
Platinum Eagle Mortgage, LLC	Conventional	2	0.1%	100%	$290,000
Mortgage Financial Services	FHA	2	0.1%	100%	$280,000
New Wave Lending Group Inc	Conventional	2	0.1%	100%	$290,000
Mid-Continent Funding, Inc.	VA	2	0.1%	100%	$235,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	2	0.1%	100%	$335,000	View
T2 Financial LLC	Conventional, FHA	2	0.1%	100%	$345,000
Waterstone Mortgage Corporation	Conventional, VA	2	0.1%	100%	$220,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	2	0.1%	100%	$390,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, VA	2	0.1%	100%	$450,000	View
Better Mortgage Corporation	Conventional, VA	2	0.1%	100%	$260,000
Angel Oak Mortgage Solutions LLC	Conventional	2	0.1%	100%	$285,000
Loan Simple, Inc.	FHA	2	0.1%	66.7%	$345,000
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0.1%	50%	$385,000
Arc Home LLC	Conventional	1	0.1%	100%	$465,000
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$545,000
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$385,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$265,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$255,000	View
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional	1	0.1%	100%	$125,000	View
Dieterich Bank B+4.7 ★Texas Ratio: 18.69%	Conventional	1	0.1%	100%	$175,000	View
Canopy Mortgage, LLC	FHA	1	0.1%	50%	$425,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$305,000
Nbkc Bank	Conventional	1	0.1%	100%	$325,000
MDE Home Loans LLC	Conventional	1	0.1%	100%	$165,000
Guidance Residential, LLC	Conventional	1	0.1%	100%	$255,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.1%	77.8%	$275,000	View
Dart Bank	FHA	1	0.1%	100%	$305,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$425,000
Filo Mortgage, LLC	FHA	1	0.1%	100%	$315,000
Augusta Financial, Inc.	Conventional	1	0.1%	100%	$265,000
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	1	0.1%	16.7%	$85,000	View
American Financial Network, Inc.	Conventional	1	0.1%	100%	$395,000
Assurance Financial Group, L.L.C.	Conventional	1	0.1%	100%	$255,000
Obsidian Financial Services	FHA	1	0.1%	100%	$345,000
Associated Mortgage Corporation	FHA	1	0.1%	100%	$315,000
Direct Mortgage Corp A+5.0 ★Texas Ratio: 3.64%	FHA	1	0.1%	100%	$275,000	View
Flexpoint, Inc.	Conventional	1	0.1%	100%	$205,000
Flat Branch Mortgage, Inc.	Conventional	1	0.1%	100%	$325,000
Bay Equity LLC	FHA	1	0.1%	100%	$295,000
Kwik Mortgage Corporation	Conventional	1	0.1%	100%	$215,000
Nfm, Inc	Conventional	1	0.1%	100%	$335,000
Delta Community Credit Union	Conventional	1	0.1%	100%	$255,000
Stg Mortgage Inc	Conventional	1	0.1%	100%	$185,000
First Option Mortgage, LLC	Conventional	1	0.1%	100%	$655,000
Credence Funding Corporation	VA	1	0.1%	100%	$335,000
Mabrey Bank A+5.0 ★Texas Ratio: 4.13%	Conventional	1	0.1%	100%	$505,000	View
Nations Lending Corporation	Conventional	1	0.1%	100%	$135,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$225,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$335,000	View
Bank Ozk	Conventional	1	0.1%	100%	$205,000
Ardri LLC	Conventional	1	0.1%	100%	$245,000
Towne Mortgage Company	FHA	1	0.1%	100%	$325,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$335,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$285,000
Nations Direct Mortgage, LLC	VA	1	0.1%	100%	$285,000
Northrop Grumman Federal Credit Union	Conventional	1	0.1%	100%	$305,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	FHA	1	0.1%	100%	$375,000	View
Nexera Holding LLC	Conventional	1	0.1%	100%	$345,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$495,000	View
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$275,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$185,000
Arcstone Financial Inc	FHA	1	0.1%	100%	$325,000
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Spring Eq, LLC	HELOC	0 +2 HELOCs	0%	10%
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Royse City Mortgage Rate Trends

Daily average mortgage rates for Texas compared with the national average, updated every evening.

30-Year Fixed TX Avg

7.414%

▲ 0.066 vs 7 days ago

15-Year Fixed TX Avg

6.904%

▲ 0.023 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Royse City, Texas

Looking for mortgage lenders near me or mortgage brokers near me in Royse City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Royse City in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Royse City, TX

Use these to narrow the list above. Each category shows how many Royse City, TX lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 137 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 50 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 85 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 62 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 5 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 6 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 63 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Royse City, TX

Independent mortgage companies closed 87.1 percent of home loans in Royse City, Texas in 2025, banks 11 percent and credit unions 1.9 percent. Everett Financial, Inc. was the largest mortgage company, American National Bank of Texa the largest bank and Advancial Federal Credit Union the largest credit union. Among lenders headquartered in Texas, American National Bank of Texa led with 10 loans.

87.1%

Mortgage companies

11%

Banks

1.9%

Credit unions

38%

FHA loans

14%

VA 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

All Texas lenders 1,264 lenders Houston 690 lenders San Antonio 463 lenders Fort Worth 521 lenders Austin 484 lenders Dallas 513 lenders El Paso 275 lenders Celina 272 lenders Corpus Christi 261 lenders Lubbock 281 lenders Arlington 342 lenders Frisco 337 lenders New Braunfels 280 lenders

Frequently Asked Questions About Mortgage Lenders in Royse City, TX

Who is the largest mortgage lender in Royse City, TX?

By home loans closed in 2025, American National Bank of Texa was the largest mortgage lender in Royse City, Texas with 10 loans, about 0.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Royse City, TX have the highest approval rates?

Among lenders with meaningful volume in Royse City, Texas, Priority Home Mortgage, L.P. approved the highest share of completed applications in 2025 at 100 percent, against a 85.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Royse City, TX mortgage lenders offer FHA, VA and USDA loans?

85 lenders closed FHA loans in Royse City, Texas in 2025, led by DHI Mortgage Company, LTD. with 165. 62 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 5 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.

Are credit unions and local banks included in this Royse City, TX lender list?

Yes. 50 banks and 16 credit unions closed home loans in Royse City, Texas in 2025, alongside 137 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.

How are mortgage lenders in Royse City, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in Royse City, 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 Royse City, 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 Royse City. 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.