Mortgage Lenders and Brokers in Shepherd, 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
Shepherd, Texas mortgage lenders include Peoples State BankPeoples State Bank5850 Highway 59 S, Shepherd, TX 77371, First State BankFirst State Bank6320 Highway 59 S, Shepherd, TX 77371A+5.0 ★Texas Ratio: 4.22%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Shell Federal Credit UnionShell Federal Credit Union7235 John Martin Road, Baytown, TX 77521A+5.0 ★Texas Ratio: 3.66%, Southside BankSouthside Bank2831 W Park Row Dr, Arlington, TX 76013A+5.0 ★Texas Ratio: 0.90%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Austin Bank, Texas National AssociationAustin Bank, Texas National Association108 E Broadway St, Big Sandy, TX 75755A+5.0 ★Texas Ratio: 3.34%, and Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%. 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 Shepherd, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shepherd 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 Shepherd, Texas
Market share is the lender's share of all home loans closed in Shepherd, 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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Peoples State Bank
5850 Highway 59 S, Shepherd, TX 77371 |
Conventional | 4 | 3.1% | 100% | $235,000 | |
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1 office in Shepherd 6320 Highway 59 S, Shepherd, TX 77371 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 0.8% | 100% | $35,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA | 2 | 1.5% | 100% | $160,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
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7235 John Martin Road, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.8% | 33.3% | $35,000 | View |
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2831 W Park Row Dr, Arlington, TX 76013 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.8% | 25% | $465,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 100% | $285,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.8% | 33.3% | $105,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 100% | $325,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Countryplace Mortgage, Ltd.
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Conventional, FHA | 2 | 1.5% | 33.3% | $170,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 2 | 1.5% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 66.7% | $230,000 | |
Houston TX Fire Fighters FCU
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Conventional | 1 | 0.8% | 100% | $355,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 30% | $55,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.8% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 0.92% |
FHA | 1 | 0.8% | 100% | $405,000 | View |
21St Mortgage
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Conventional | 25 | 19.2% | 53.2% | $123,400 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 13 | 10% | 66.7% | $198,076 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 9.2% | 92.3% | $243,333 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 4.6% | 100% | $231,666 | |
Southwest Stage Funding LLC
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Conventional, FHA | 6 | 4.6% | 100% | $225,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 3.8% | 33.3% | $101,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 2.3% | 100% | $141,666 | |
Pennymac Loan Services LLC
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Conventional, VA | 3 | 2.3% | 100% | $268,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 3 | 2.3% | 100% | $108,333 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.5% | 100% | $355,000 | |
Newrez LLC
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Conventional | 2 | 1.5% | 100% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 1.5% | 50% | $340,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 1.5% | 100% | $85,000 | View |
Cmg Mortgage Inc
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FHA | 2 | 1.5% | 100% | $185,000 | |
Plaza Home Mortgage, Inc
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FHA | 2 | 1.5% | 100% | $265,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.8% | 100% | $285,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.8% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.8% | 57.5% | $145,000 | View |
United Built Homes, LLC
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Conventional | 1 | 0.8% | 100% | $335,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $565,000 | |
Nfm, Inc
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Mortgage Research Center
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VA | 1 | 0.8% | 100% | $355,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Logan Finance Corporation
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Conventional, Jumbo | 1 | 0.8% | 100% | $1,425,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $185,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.8% | 100% | $155,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $225,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $265,000 | |
American Neighborhood Mortgage Acceptance Company
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VA | 1 | 0.8% | 100% | $245,000 |
Shepherd 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 Shepherd, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Shepherd? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shepherd in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shepherd, TX
Use these to narrow the list above. Each category shows how many Shepherd, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Shepherd, TX
Independent mortgage companies closed 81.5 percent of home loans in Shepherd, Texas in 2025, banks 12.3 percent and credit unions 6.2 percent. Countryplace Mortgage, Ltd. was the largest mortgage company, Peoples State Bank the largest bank and Shell Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Peoples State 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 Shepherd, TX
By home loans closed in 2025, Peoples State Bank was the largest mortgage lender in Shepherd, Texas with 4 loans, about 3.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Shepherd, Texas in 2025, led by United Wholesale Mortgage with 4. 9 lenders closed VA loans, led by US Bank, N.A.. 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. 13 banks and 6 credit unions closed home loans in Shepherd, Texas in 2025, alongside 34 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 Shepherd, 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 Shepherd, 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 Shepherd. 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.
