Mortgage Lenders and Brokers in Smithville, 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
Smithville, Texas mortgage lenders include The First National Bank of BasThe First National Bank of Bas312 Main St, Smithville, TX 78957A+5.0 ★Texas Ratio: 2.19%, Frontier Bank of TexasFrontier Bank of Texas2077 Nw Loop 230, Smithville, TX 78957A+5.0 ★Texas Ratio: 2.06%, Prosperity BankProsperity Bank406 Main St, Smithville, TX 78957A+5.0 ★Texas Ratio: 1.58%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, NexbankNexbank2515 Mckinney Ave, Dallas, TX 75201A-5.0 ★Texas Ratio: 14.93%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, Texas Mortgage Lending, LLCTexas Mortgage Lending, LLC900 W Bethany Dr Ste 500, Allen, TX 75013 3834A+5.0 ★Texas Ratio: 3.34%, Austin Telco FCUAustin Telco FCU8929 Shoal Creek Blvd, Austin, TX 78757A+5.0 ★Texas Ratio: 1.81%, Greater Texas FCUGreater Texas FCU1425 N CENTER ST, ARLINGTON, TX 76011, and First Liberty BankFirst Liberty Bank1600 E Highway 6, Alvin, TX 77511A+5.0 ★Texas Ratio: 2.73%. 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 Smithville, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smithville 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 Smithville, Texas
Market share is the lender's share of all home loans closed in Smithville, 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 Smithville 312 Main St, Smithville, TX 78957 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 12 | 10.1% | 88.9% | $302,500 | View |
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1 office in Smithville 2077 Nw Loop 230, Smithville, TX 78957 A+5.0 ★Texas Ratio: 2.06% |
Conventional | 6 | 5% | 100% | $373,333 | View |
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★ 1 stars, 1 review 1 office in Smithville 406 Main St, Smithville, TX 78957 A+5.0 ★Texas Ratio: 1.58% |
FHA | 1 | 0.8% | 50% | $305,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 3 | 2.5% | 100% | $55,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 3 | 2.5% | 100% | $165,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.8% | 100% | $165,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.8% | 100% | $145,000 | View |
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8929 Shoal Creek Blvd, Austin, TX 78757 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.8% | 66.7% | $105,000 | View |
Greater Texas FCU
1425 N CENTER ST, ARLINGTON, TX 76011 |
Conventional | 1 | 0.8% | 50% | $145,000 | |
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1600 E Highway 6, Alvin, TX 77511 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 0.8% | 50% | $75,000 | View |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
Conventional | 1 | 0.8% | 100% | $375,000 | |
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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 | 0.8% | 100% | $65,000 | View |
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911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.8% | 100% | $315,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 1 | 0.8% | 50% | $25,000 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.8% | 50% | $155,000 | 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 +1 HELOCs |
0% | n/a | View | |
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12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA, USDA | 4 | 3.4% | 80% | $320,000 | View |
Republic State Mortgage Company
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.8% | 100% | $75,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.8% | 100% | $175,000 | |
Nationstar Mortgage
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VA | 1 | 0.8% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $475,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.8% | 100% | $585,000 | |
Hometrust Mortgage Company
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FHA | 1 | 0.8% | 100% | $315,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 8.4% | 83.3% | $304,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 10 | 8.4% | 55.6% | $274,000 | View |
The Mortgage Link, Inc.
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Conventional, FHA | 5 | 4.2% | 100% | $291,000 | |
21St Mortgage
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Conventional | 4 | 3.4% | 44.4% | $162,500 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 3 | 2.5% | 80% | $405,000 | View |
Mortgage Research Center
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VA | 3 | 2.5% | 75% | $441,666 | |
Cadence Bank
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Conventional | 2 | 1.7% | 100% | $285,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 1.7% | 100% | $210,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 2 | 1.7% | 100% | $165,000 | View |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 1.7% | 100% | $265,000 | |
Securitynational Mortgage Company
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Conventional | 2 | 1.7% | 100% | $240,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 1.7% | 100% | $350,000 | |
The Loan Store, Inc
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Conventional, FHA | 2 | 1.7% | 100% | $525,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.7% | 50% | $180,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 100% | $365,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.8% | 100% | $415,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.8% | 100% | $275,000 | |
Newrez LLC
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VA | 1 | 0.8% | 33.3% | $205,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.8% | 100% | $735,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.8% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.8% | 50% | $135,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.8% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.8% | 100% | $315,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.8% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.8% | 33.3% | $95,000 | View |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
Southwest Stage Funding LLC
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Conventional | 1 | 0.8% | 100% | $85,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.8% | 50% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 100% | $25,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.8% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.8% | 100% | $285,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.8% | 100% | $345,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $415,000 | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Smithville 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 Smithville, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Smithville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smithville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smithville, TX
Use these to narrow the list above. Each category shows how many Smithville, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Smithville, TX
Independent mortgage companies closed 63 percent of home loans in Smithville, Texas in 2025, banks 29.4 percent and credit unions 7.6 percent. Sente Mortgage, Inc. was the largest mortgage company, The First National Bank of Bas the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, The First National Bank of Bas led with 12 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 Smithville, TX
By home loans closed in 2025, The First National Bank of Bas was the largest mortgage lender in Smithville, Texas with 12 loans, about 10.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Smithville, Texas in 2025, led by Efinity Financial LLC with 3. 12 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. 17 banks and 8 credit unions closed home loans in Smithville, Texas in 2025, alongside 37 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 Smithville, 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 Smithville, 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 Smithville. 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.
