Mortgage Lenders and Brokers in Sulphur Springs, 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
Sulphur Springs, Texas mortgage lenders include The City National Bank of Sulphur SpringsThe City National Bank of Sulphur Springs201 Connally St, Sulphur Springs, TX 75482A+5.0 ★Texas Ratio: 1.12%, Alliance BankAlliance Bank1437 S Broadway St, Sulphur Springs, TX 75482A+5.0 ★Texas Ratio: 4.84%, First National Bank of East TexasFirst National Bank of East Texas1460 Hillcrest Drive South, Sulphur Springs, TX 75482A5.0 ★Texas Ratio: 12.71%, Texas Heritage National BankTexas Heritage National Bank215 N Hillcrest Dr, Sulphur Springs, TX 75482A5.0 ★Texas Ratio: 11.57%, Glacier BankGlacier Bank919 Gilmer St, Sulphur Springs, TX 75482A+5.0 ★Texas Ratio: 1.87%, Red River Employees Federal Credit UnionRed River Employees Federal Credit Union822 Gilmer St, Sulphur Springs, TX 75482A+5.0 ★Texas Ratio: 4.75%, American National Bank of TexaAmerican National Bank of Texa720 S Greenville Ave, Allen, TX 75002B+4.0 ★Texas Ratio: 2.41%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, 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 Sulphur Springs, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sulphur Springs 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 Sulphur Springs, Texas
Market share is the lender's share of all home loans closed in Sulphur Springs, 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 Sulphur Springs 201 Connally St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 1.12% |
Conventional, Jumbo | 50 | 16.6% | 82.3% | $212,600 | View |
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1437 S Broadway St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 30 | 10% | 73.6% | $179,666 | View |
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1 office in Sulphur Springs 1460 Hillcrest Drive South, Sulphur Springs, TX 75482 A5.0 ★Texas Ratio: 12.71% |
Conventional | 9 | 3% | 84.6% | $128,333 | View |
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1 office in Sulphur Springs 215 N Hillcrest Dr, Sulphur Springs, TX 75482 A5.0 ★Texas Ratio: 11.57% |
Conventional | 9 | 3% | 100% | $255,000 | View |
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1 office in Sulphur Springs 919 Gilmer St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 1.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $155,000 | View |
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822 Gilmer St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 3 | 1% | 60% | $195,000 | View |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 3 | 1% | 100% | $408,333 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $155,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 66.7% | $240,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.7% | 100% | $165,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
VA | 1 | 0.3% | 100% | $315,000 | |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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200 Main St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.3% | 50% | $345,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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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 | 0.3% | 100% | $65,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
VA | 1 | 0.3% | 100% | $205,000 | View |
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200 Main St, Sulphur Springs, TX 75482 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +11 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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A-5.0 ★Texas Ratio: 14.15% |
Conventional, VA | 9 | 3% | 90% | $297,222 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 6 | 2% | 100% | $233,333 | |
Nationstar Mortgage
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Conventional, FHA, VA | 4 | 1.3% | 100% | $317,500 | |
Southwest Funding LP
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Conventional, FHA | 2 | 0.7% | 100% | $90,000 | |
Primelending
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Conventional | 1 | 0.3% | 100% | $325,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Integrity Mortgage Corporation of Texas
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VA | 1 | 0.3% | 100% | $475,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Ameritrust Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
USDA | 1 | 0.3% | 100% | $145,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
Nations Lending Corporation
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Conventional, FHA, VA, USDA | 23 | 7.6% | 100% | $276,304 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 20 | 6.6% | 87% | $190,500 | View |
Mortgage Research Center
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Conventional, FHA, VA | 15 | 5% | 65.2% | $279,000 | |
Newrez LLC
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Conventional, FHA, VA, USDA | 13 | 4.3% | 92.9% | $270,384 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA, USDA | 12 | 4% | 100% | $161,666 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 2.7% | 72.7% | $313,750 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 6 | 2% | 72.7% | $370,000 | |
21St Mortgage
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Conventional | 6 | 2% | 38.9% | $145,000 | |
Southwest Stage Funding LLC
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Conventional | 4 | 1.3% | 80% | $165,000 | |
CrossCountry Mortgage, LLC
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FHA | 3 | 1% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional | 3 | 1% | 60% | $201,666 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 1% | 60% | $111,666 | View |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.7% | 100% | $215,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $305,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.7% | 100% | $285,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $165,000 | |
Farm Credit Mid-America, Aca
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Conventional | 2 | 0.7% | 100% | $585,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.7% | 100% | $135,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.7% | 22.2% | $120,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $305,000 | |
American Portfolio Mortgage Corporation
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FHA | 1 | 0.3% | 50% | $275,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.3% | 100% | $525,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.3% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 0.65% |
VA, Jumbo | 1 | 0.3% | 100% | $895,000 | View |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $195,000 | |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 0.3% | 100% | $245,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Midwest Mortgage Associates Corp
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VA | 1 | 0.3% | 100% | $155,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.3% | 100% | $305,000 | View |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $235,000 | |
Towne Mortgage Company
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FHA | 1 | 0.3% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.3% | 20% | $65,000 | View |
New American Funding, LLC.
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FHA | 1 | 0.3% | 33.3% | $325,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Sulphur Springs 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 Sulphur Springs, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Sulphur Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sulphur Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sulphur Springs, TX
Use these to narrow the list above. Each category shows how many Sulphur Springs, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Sulphur Springs, TX
Independent mortgage companies closed 54.8 percent of home loans in Sulphur Springs, Texas in 2025, banks 42.9 percent and credit unions 2.3 percent. Everett Financial, Inc. was the largest mortgage company, The City National Bank of Sulphur Springs the largest bank and Red River Employees Federal Credit Union the largest credit union. Among lenders headquartered in Texas, The City National Bank of Sulphur Springs led with 50 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 Sulphur Springs, TX
By home loans closed in 2025, The City National Bank of Sulphur Springs was the largest mortgage lender in Sulphur Springs, Texas with 50 loans, about 16.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Sulphur Springs, Texas, The City National Bank of Sulphur Springs approved the highest share of completed applications in 2025 at 82.3 percent, against a 79.3 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.
17 lenders closed FHA loans in Sulphur Springs, Texas in 2025, led by Nations Lending Corporation with 6. 21 lenders closed VA loans, led by Mortgage Research Center, and 4 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 5 credit unions closed home loans in Sulphur Springs, Texas in 2025, alongside 47 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 Sulphur Springs, 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 Sulphur Springs, 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 Sulphur Springs. 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.
