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Mortgage Lenders and Brokers in Temple, Texas

Content reviewed by

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

Temple, Texas mortgage lenders include Texell Credit UnionTexell Credit Union17 S 1st St, Temple, TX 76501 7603A+5.0 ★Texas Ratio: 3.98%, First National Bank TexasFirst National Bank Texas3401 S 31st St, Temple, TX 76502A4.7 ★Texas Ratio: 3.20%, Central National BankCentral National Bank938 Canyon Creek Dr, Temple, TX 76502A+5.0 ★Texas Ratio: 1.00%, Extraco Banks, NAExtraco Banks, NA3615 S 31st St, Temple, TX 76502A+5.0 ★Texas Ratio: 0.26%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2362 Sw H K Dodgen Loop, Temple, TX 76504A+5.0 ★Texas Ratio: 3.68%, Alliance Bank Central TexasAlliance Bank Central Texas197 Clinite Grove Blvd, Temple, TX 76502A5.0 ★Texas Ratio: 10.82%, Security Bank of TexasSecurity Bank of Texas3550 S General Bruce Dr, Temple, TX 76504A5.0 ★Texas Ratio: 12.78%, First United Bank and Trust CoFirst United Bank and Trust Co7286 W Adams Ave, Temple, TX 76502A5.0 ★Texas Ratio: 10.43%, Wells Fargo Bank NAWells Fargo Bank NA3407 S 31st St, Temple, TX 76502A+5.0 ★Texas Ratio: 5.36%, and Bank of America NABank of America NA3405 S 31st St, Temple, TX 76502A+5.0 ★Texas Ratio: 4.14%. 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 Temple, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Temple 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 Temple, Texas

Market share is the lender's share of all home loans closed in Temple, 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
Texell Credit Union 17 S 1st St, Temple, TX 76501 7603 A+5.0 ★Texas Ratio: 3.98%	Conventional	117	4.8%	78.9%	$114,059	View
First National Bank Texas 3 offices in Temple 3401 S 31st St, Temple, TX 76502 A4.7 ★Texas Ratio: 3.20%	Conventional, FHA, VA	95	3.9%	99%	$300,368	View
Central National Bank 1 office in Temple 938 Canyon Creek Dr, Temple, TX 76502 A+5.0 ★Texas Ratio: 1.00%	Conventional, VA, Jumbo	49	2%	100%	$312,755	View
Extraco Banks, NA 2 offices in Temple 3615 S 31st St, Temple, TX 76502 A+5.0 ★Texas Ratio: 0.26%	Conventional, FHA, VA, Jumbo	46	1.9%	88.5%	$311,956	View
JPMorgan Chase Bank, NA 1 office in Temple 2362 Sw H K Dodgen Loop, Temple, TX 76504 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	19	0.8%	87%	$251,842	View
Alliance Bank Central Texas 1 office in Temple 197 Clinite Grove Blvd, Temple, TX 76502 A5.0 ★Texas Ratio: 10.82%	Conventional	12	0.5%	100%	$251,666	View
Security Bank of Texas 1 office in Temple 3550 S General Bruce Dr, Temple, TX 76504 A5.0 ★Texas Ratio: 12.78%	Conventional	9	0.4%	69.2%	$263,888	View
First United Bank and Trust Co 1 office in Temple 7286 W Adams Ave, Temple, TX 76502 A5.0 ★Texas Ratio: 10.43%	Conventional, FHA, VA, HELOC	8 +2 HELOCs	0.3%	88.9%	$338,750	View
Wells Fargo Bank NA 1 office in Temple 3407 S 31st St, Temple, TX 76502 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	8	0.3%	88.9%	$282,500	View
Bank of America NA 1 office in Temple 3405 S 31st St, Temple, TX 76502 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	7 +11 HELOCs	0.3%	100%	$172,142	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Temple 1004 Marlandwood Rd, Temple, TX 76502 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +5 HELOCs	0.1%	50%	$185,000	View
Huntington National Bank 2 offices in Temple 3800 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0%	100%	$615,000	View
Spark Mortgage, LLC 3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46%	Conventional, FHA, VA	53	2.2%	100%	$270,283	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA	21	0.9%	100%	$318,809	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional, VA, Jumbo, HELOC	10 +2 HELOCs	0.4%	100%	$446,000	View
First Texas Bank 300 E 1st Ave, Belton, TX 76513 A+5.0 ★Texas Ratio: 5.87%	Conventional, Jumbo	8	0.3%	100%	$338,750	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA	8	0.3%	100%	$193,750	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	7 +4 HELOCs	0.3%	88.9%	$146,428	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	5 +3 HELOCs	0.2%	62.5%	$67,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	5	0.2%	50%	$243,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional, VA	5	0.2%	45.5%	$179,000	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	4	0.2%	100%	$165,000	View
A+ Federal Credit Union 1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13%	Conventional, HELOC	3 +3 HELOCs	0.1%	37.5%	$91,666	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.1%	100%	$448,333	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, FHA	3	0.1%	100%	$171,666	View
Grandview Bank 100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94%	Conventional	3	0.1%	100%	$278,333	View
Amplify Credit Union 2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$105,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional	2	0.1%	66.7%	$215,000
Aspire Home Loans 900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15%	Conventional	2	0.1%	100%	$375,000	View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo	2	0.1%	100%	$1,090,000	View
Velocity Credit Union 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional	2	0.1%	66.7%	$80,000	View
Verabank,N.A. 3957 Raleigh Dr, Temple, TX 76502 A+5.0 ★Texas Ratio: 5.54%	Conventional	2	0.1%	100%	$285,000	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0%	33.3%	$285,000	View
Rally Credit Union 1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0%	50%	$35,000	View
MidFirst Bank 1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93%	Conventional	1	0%	100%	$225,000	View
First National Bank of Central Texas 1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97%	Conventional	1	0%	100%	$105,000	View
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$135,000	View
American Bank of Commerce 220 E 8th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.48%	Conventional	1	0%	100%	$245,000	View
First National Bank of Evant 115 N Memory Ln, Evant, TX 76525	Conventional, Jumbo	1	0%	100%	$845,000
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0%	100%	$175,000	View
Members Choice of Central Texas FCU 212 Virginia Ave, Marlin, TX 76661 A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$185,000	View
First National Bank of Mcgregor 401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33%	Conventional	1	0%	100%	$165,000	View
Susser Bank 2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02%	Conventional	1	0%	100%	$205,000	View
Armed Forces Bank, N.A. 1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	50%	$345,000	View
SouthStar Bank SSB ★ 5 stars, 1 review 10901 W Highway 290, Austin, TX 78736 A5.0 ★Texas Ratio: 7.03%	Conventional	1	0%	100%	$495,000	View
Sunflower Bank, N.A. 623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0%	100%	$365,000	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional	1	0%	100%	$235,000	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional	1	0%	100%	$165,000	View
First Lockhart Bank 319 W Slaughter Ln, Austin, TX 78748 A+5.0 ★Texas Ratio: 3.90%	Conventional	1	0%	50%	$55,000	View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	HELOC	0 +2 HELOCs	0%	n/a		View
Credit Union of Texas 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +1 HELOCs	0%	n/a		View
United Heritage Credit Union 12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63%	HELOC	0 +1 HELOCs	0%	n/a		View
DHI Mortgage Company, LTD.	Conventional, FHA, VA	191	7.9%	85.7%	$264,371
Kangaroo Home Lending, LLC	Conventional, FHA, VA	54	2.2%	100%	$293,703
SWBC Mortgage Corporation	Conventional, FHA, VA	49	2%	98%	$325,612
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	32	1.3%	97%	$310,000
Nationstar Mortgage	Conventional, FHA, VA	28	1.2%	82.9%	$207,857
First Continental Mortgage, Ltd.	Conventional, FHA, VA	26	1.1%	100%	$243,076
Trinity Oaks Mortgage	Conventional, VA	13	0.5%	92.9%	$568,846
Click n' Close, Inc.	Conventional, FHA	9	0.4%	100%	$175,000
Zippy Loans, LLC	Conventional	6	0.2%	100%	$30,000
Network Funding, L.P.	Conventional, FHA, VA	4	0.2%	100%	$187,500
Gardner Financial Services	FHA, VA	4	0.2%	100%	$207,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.2%	100%	$227,500	View
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	3	0.1%	100%	$298,333
Loanpeople, LLC	Conventional	3	0.1%	100%	$345,000
Hometrust Mortgage Company	Conventional, FHA	3	0.1%	100%	$215,000
Capital Concepts Inc	Conventional	2	0.1%	100%	$210,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	2	0.1%	100%	$230,000
Sfmc, LP	Conventional, FHA	2	0.1%	66.7%	$220,000
Aaxy LLC	Conventional	2	0.1%	100%	$230,000
Encompass Lending Group, L.P.	Conventional	2	0.1%	100%	$185,000
Southwest Funding LP	Conventional, FHA	2	0.1%	100%	$210,000
Countryplace Mortgage, Ltd.	Conventional	1	0%	50%	$175,000
Emporium Tpo LLC	Conventional	1	0%	100%	$365,000
Members Trust of the SWFCU	Conventional	1	0%	100%	$295,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 0.00%	FHA	1	0%	100%	$495,000	View
Fairway Independent Mort Corp	Conventional, FHA, VA, USDA, Jumbo	326	13.5%	97%	$325,644
United Wholesale Mortgage	Conventional, FHA, VA	136	5.6%	84.6%	$317,647
Mortgage Research Center	Conventional, FHA, VA, Jumbo	95	3.9%	80.7%	$303,210
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	90	3.7%	67.9%	$211,888	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	82 +1 HELOCs	3.4%	93.1%	$320,731
Cadence Bank	Conventional, FHA, VA, Jumbo, HELOC	61 +10 HELOCs	2.5%	96.8%	$313,524
Freedom Mortgage Corporation	Conventional, FHA, VA	41	1.7%	93%	$294,024
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	38	1.6%	68.4%	$237,631
Lennar Mortgage, LLC	Conventional, FHA, VA	33	1.4%	82.5%	$212,272
Newrez LLC	Conventional, FHA, VA, Jumbo	27	1.1%	70.7%	$351,666
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	27	1.1%	88.2%	$299,444
Mortgage Solutions of Colorado	VA	26	1.1%	96.6%	$313,846
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	25	1%	96.9%	$225,000	View
American Pacific Mortgage Corporation	Conventional, FHA, VA	22	0.9%	100%	$378,181
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	20	0.8%	46.4%	$321,000
Movement Mortgage, LLC	Conventional, FHA, VA	18	0.7%	100%	$253,888
21St Mortgage	Conventional	18	0.7%	55.9%	$107,222
New American Funding, LLC.	Conventional, FHA, VA, Jumbo	17	0.7%	77.3%	$404,411
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	15	0.6%	93.8%	$234,333	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	13 +4 HELOCs	0.5%	71.4%	$208,076
Mutual of Omaha Mortgage	Conventional, FHA, VA	13	0.5%	92.9%	$265,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	12	0.5%	92.3%	$242,500
Village Capital & Investment	FHA, VA, Jumbo	10	0.4%	94.4%	$427,000
Kind Lending, LLC	Conventional, FHA, VA	9	0.4%	69.2%	$355,000
The Loan Store, Inc	Conventional, VA, HELOC	8 +1 HELOCs	0.3%	90%	$215,000
Equity Prime Mortgage LLC	FHA, VA	8	0.3%	100%	$312,500
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA, VA	8	0.3%	88.9%	$281,250	View
Pulte Mortgage LLC	Conventional, FHA, VA	8	0.3%	100%	$267,500
Guaranteed Rate, Inc.	Conventional, FHA, VA	7	0.3%	100%	$307,857
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional, FHA	7	0.3%	43.8%	$133,571	View
Planet Home Lending, LLC	FHA, VA	7	0.3%	77.8%	$280,714
Lower, LLC	Conventional, FHA	7	0.3%	100%	$229,285
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	6	0.2%	66.7%	$281,666
Royal United Mortgage LLC	Conventional	6	0.2%	85.7%	$143,333
Loanunited.Com, LLC	FHA, VA	6	0.2%	75%	$361,666
Zillow Home Loans, LLC	Conventional, FHA, VA	6	0.2%	100%	$178,333
Plaza Home Mortgage, Inc	Conventional, FHA, VA	6	0.2%	60%	$383,333
Pentagon Federal Credit Union	Conventional, VA, HELOC	5 +6 HELOCs	0.2%	55.6%	$193,000
Residential Wholesale Mortgage	Conventional, VA	5	0.2%	100%	$325,000
Acrisure Mortgage, LLC	Conventional, FHA	5	0.2%	100%	$417,000
Sun West Mortgage Company, Inc	FHA, VA	5	0.2%	100%	$383,000
Cardinal Financial Company, Li	Conventional, FHA, VA	5	0.2%	75%	$389,000
Churchill Mortgage Corporation	Conventional	5	0.2%	100%	$225,000
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.2%	33.3%	$57,500
Union Home Mortgage Corp.	Conventional, VA	4	0.2%	100%	$312,500
Better Mortgage Corporation	Conventional, VA	4	0.2%	66.7%	$255,000
Goprime Mortgage, Inc.	VA	4	0.2%	100%	$287,500
Champions Funding, LLC	Conventional	4	0.2%	100%	$230,000
American Neighborhood Mortgage Acceptance Company	Conventional, FHA, VA	4	0.2%	100%	$220,000
American Financial Resources LLC	FHA, VA	3	0.1%	100%	$278,333
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	3	0.1%	61.5%	$145,000	View
Resicentral LLC	Conventional	3	0.1%	100%	$258,333
Nqm Funding, LLC	Conventional, FHA, VA	3	0.1%	75%	$251,666
Waterstone Mortgage Corporation	Conventional, FHA	3	0.1%	100%	$231,666
Wolfe Financial Inc	Conventional, FHA, VA	3	0.1%	100%	$248,333
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.1%	25%	$121,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.1%	60%	$341,666	View
Leaderone Financial Corp.	FHA, VA	3	0.1%	100%	$418,333
Goodleap, LLC	Conventional, HELOC	2 +1 HELOCs	0.1%	80%	$175,000
Arc Home LLC	Conventional	2	0.1%	100%	$225,000
American Portfolio Mortgage Corporation	FHA	2	0.1%	100%	$240,000
Canopy Mortgage, LLC	FHA, VA	2	0.1%	100%	$330,000
Nbkc Bank	Conventional	2	0.1%	100%	$220,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	33.3%	$545,000	View
AmeriHome Mortgage Company, LLC	FHA	2	0.1%	50%	$375,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, VA	2	0.1%	100%	$225,000	View
Deephaven Mortgage LLC	Conventional	2	0.1%	100%	$205,000
Acre Mortgage & Financial, Inc.	FHA	2	0.1%	100%	$250,000
Discover Bank	Conventional	2	0.1%	15.4%	$70,000
Developer's Mortgage Company	Conventional	2	0.1%	100%	$250,000
Stg Mortgage Inc	Conventional, FHA	2	0.1%	100%	$430,000
V.I.P. Mortgage, Inc.	VA	2	0.1%	100%	$410,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	100%	$120,000
Nmsi, Inc.	Conventional	2	0.1%	100%	$275,000
Southwest Stage Funding LLC	Conventional, FHA	2	0.1%	75%	$240,000
Carrington Mortgage Services LLC	VA	2	0.1%	28.6%	$305,000
JMAC Lending, Inc.	Conventional	2	0.1%	100%	$205,000
HomeBridge Financial Services, Inc	FHA, HELOC	1 +2 HELOCs	0%	100%	$235,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	VA	1	0%	100%	$345,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$775,000
First Community Mortgage, Inc.	Conventional	1	0%	100%	$225,000
Valor Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0%	100%	$175,000	View
Neighborhood Loans, Inc	Conventional	1	0%	50%	$5,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0%	100%	$335,000	View
Gold Star Mortgage Financial Group, Corporation	VA	1	0%	100%	$235,000
Affordable Mortgage Advisors	VA	1	0%	100%	$615,000
All Credit Considered Mortgage, Inc.	Conventional	1	0%	100%	$155,000
Brighton Bank	VA	1	0%	100%	$185,000
ALCOVA Mortgage, LLC	Conventional	1	0%	100%	$125,000
Golden Empire Mortgage, Inc.	Conventional	1	0%	100%	$155,000
PHH Mortgage Corporation	Conventional	1	0%	33.3%	$155,000
Dart Bank	FHA	1	0%	100%	$165,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0%	100%	$295,000	View
Filo Mortgage, LLC	Conventional	1	0%	100%	$165,000
Synergy One Lending, Inc.	Conventional	1	0%	100%	$275,000
General Mortgage Capital Corporation	Conventional	1	0%	100%	$465,000
Diamond Residential Mtg Corp	VA	1	0%	100%	$495,000
Assurance Financial Group, L.L.C.	VA	1	0%	100%	$355,000
AmWest Funding Corp	Conventional	1	0%	100%	$255,000
Platinum Eagle Mortgage, LLC	VA	1	0%	100%	$475,000
Valley West Corporation	Conventional	1	0%	100%	$275,000
Redwood Residential Acquisition Corporation	Conventional	1	0%	100%	$315,000
American Liberty Mortgage Inco	FHA	1	0%	100%	$275,000
City 1st Mortgage Services, LC	Conventional	1	0%	100%	$355,000
Das Acquisition Company, LLC	FHA	1	0%	100%	$345,000
Network Capital Funding Corporation	Conventional	1	0%	100%	$175,000
ClearPath Lending	VA	1	0%	50%	$285,000
Flat Branch Mortgage, Inc.	Conventional	1	0%	100%	$325,000
Securitynational Mortgage Company	Conventional	1	0%	50%	$145,000
Bay Equity LLC	FHA	1	0%	100%	$255,000
First Colony Mortgage Corporat	VA	1	0%	100%	$445,000
Mid-Continent Funding, Inc.	VA	1	0%	100%	$705,000
New Day Financial, LLC.	VA	1	0%	100%	$265,000
Credence Funding Corporation	VA	1	0%	100%	$635,000
Peoples Mortgage Company A5.0 ★Texas Ratio: 7.80%	FHA	1	0%	100%	$275,000	View
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$265,000	View
Teachers Federal Credit Union	Conventional	1	0%	100%	$215,000
Provident Funding Associates	Conventional	1	0%	100%	$375,000
Vellum Mortgage, Inc.	Conventional	1	0%	100%	$215,000
Hometown Equity Mortgage, LLC	Conventional	1	0%	100%	$245,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0%	100%	$495,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$245,000	View
First Federal Bank A+5.0 ★Texas Ratio: 3.11%	VA	1	0%	100%	$275,000	View
Keystone Funding, Inc	VA	1	0%	100%	$365,000
Mld Mortgage, Inc.Dba the Money Store	FHA	1	0%	100%	$235,000
First Central Savings Bank	Conventional	1	0%	100%	$175,000
Florida Capital Bank, N.A	Conventional	1	0%	100%	$265,000
Paramount Residential Mortgage	FHA	1	0%	100%	$255,000
The Mortgage Link, Inc.	VA	1	0%	100%	$305,000
Tomo Mortgage LLC	FHA	1	0%	100%	$245,000
Cake Mortgage Corp.	Conventional	1	0%	100%	$545,000
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +3 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Temple 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 Temple, Texas

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

Types of Mortgage Lenders in Temple, TX

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

Mortgage companies and brokers 138 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 59 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 81 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 87 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 13 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 Temple, TX

Independent mortgage companies closed 73.7 percent of home loans in Temple, Texas in 2025, banks 18.6 percent and credit unions 7.8 percent. Spark Mortgage, LLC was the largest mortgage company, First National Bank Texas the largest bank and Texell Credit Union the largest credit union. Among lenders headquartered in Texas, Texell Credit Union led with 117 loans.

73.7%

Mortgage companies

18.6%

Banks

7.8%

Credit unions

22%

FHA loans

35%

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 Temple, TX

Who is the largest mortgage lender in Temple, TX?

By home loans closed in 2025, Texell Credit Union was the largest mortgage lender in Temple, Texas with 117 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Temple, Texas, Spark Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 85.4 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 Temple, TX mortgage lenders offer FHA, VA and USDA loans?

81 lenders closed FHA loans in Temple, Texas in 2025, led by Fairway Independent Mort Corp with 83. 87 lenders closed VA loans, led by Fairway Independent Mort Corp, and 2 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 Temple, TX lender list?

Yes. 59 banks and 16 credit unions closed home loans in Temple, Texas in 2025, alongside 138 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 Temple, TX ranked on this page?

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