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Mortgage Lenders and Brokers in Waco, Texas

Content reviewed by

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

Waco, Texas mortgage lenders include Central National BankCentral National Bank5400 Bosque Blvd, Waco, TX 76710A+5.0 ★Texas Ratio: 1.00%, Alliance Bank Central TexasAlliance Bank Central Texas4721 Bosque Blvd, Waco, TX 76710A5.0 ★Texas Ratio: 10.82%, Community Bank & TrustCommunity Bank & Trust1409 Wooded Acres Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 0.93%, First National Bank of McgregorFirst National Bank of Mcgregor510 N Valley Mills Dr, Waco, TX 76710C3.8 ★Texas Ratio: 29.33%, First National Bank of Central TexasFirst National Bank of Central Texas10332 China Spring Rd, Waco, TX 76708A+5.0 ★Texas Ratio: 0.97%, First Central Credit UnionFirst Central Credit Union6201 Sanger Ave, Waco, TX 76710A5.0 ★Texas Ratio: 6.12%, American Bank NAAmerican Bank NA100 S 4th St, Waco, TX 76701A+5.0 ★Texas Ratio: 0.07%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA320 N New Rd, Waco, TX 76710A+5.0 ★Texas Ratio: 3.68%, Genco Federal Credit UnionGenco Federal Credit Union731 N Valley Mills Dr, Waco, TX 76710 4848A+5.0 ★Texas Ratio: 0.63%, and First National Bank TexasFirst National Bank Texas1821 S Valley Mills Dr, Waco, TX 76711A4.7 ★Texas Ratio: 3.20%. 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 Waco, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waco 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 Waco, Texas

Market share is the lender's share of all home loans closed in Waco, 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
Central National Bank 1 office in Waco 5400 Bosque Blvd, Waco, TX 76710 A+5.0 ★Texas Ratio: 1.00%	Conventional, Jumbo	71	4.4%	86.6%	$240,633	View
Alliance Bank Central Texas 2 offices in Waco 4721 Bosque Blvd, Waco, TX 76710 A5.0 ★Texas Ratio: 10.82%	Conventional, Jumbo	71	4.4%	80.4%	$189,366	View
Community Bank & Trust 2 offices in Waco 1409 Wooded Acres Dr, Waco, TX 76710 A+5.0 ★Texas Ratio: 0.93%	Conventional, Jumbo	59	3.6%	86.8%	$182,118	View
First National Bank of Mcgregor 3 offices in Waco 510 N Valley Mills Dr, Waco, TX 76710 C3.8 ★Texas Ratio: 29.33%	Conventional, Jumbo	50	3.1%	100%	$273,400	View
First National Bank of Central Texas 10332 China Spring Rd, Waco, TX 76708 A+5.0 ★Texas Ratio: 0.97%	Conventional, Jumbo	39	2.4%	90.7%	$258,333	View
First Central Credit Union 6201 Sanger Ave, Waco, TX 76710 A5.0 ★Texas Ratio: 6.12%	Conventional	33	2%	82.1%	$80,454	View
American Bank NA 3 offices in Waco 100 S 4th St, Waco, TX 76701 A+5.0 ★Texas Ratio: 0.07%	Conventional, Jumbo	32	2%	97.2%	$288,437	View
JPMorgan Chase Bank, NA 3 offices in Waco 320 N New Rd, Waco, TX 76710 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	29	1.8%	85.7%	$196,379	View
Genco Federal Credit Union 731 N Valley Mills Dr, Waco, TX 76710 4848 A+5.0 ★Texas Ratio: 0.63%	Conventional	17	1%	34.6%	$169,117	View
First National Bank Texas 2 offices in Waco 1821 S Valley Mills Dr, Waco, TX 76711 A4.7 ★Texas Ratio: 3.20%	Conventional, FHA, VA	13	0.8%	100%	$258,846	View
Extraco Banks, NA 2 offices in Waco 1700 N Valley Mills Dr, Waco, TX 76710 A+5.0 ★Texas Ratio: 0.26%	Conventional, FHA	12	0.7%	100%	$336,666	View
Wells Fargo Bank NA 3 offices in Waco 1105 Wooded Acres Dr, Waco, TX 76710 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	9	0.6%	64.3%	$286,111	View
Members Choice of Central Texas FCU 4631 W Waco Dr, Waco, TX 76710 A+5.0 ★Texas Ratio: 0.22%	Conventional	8	0.5%	53.3%	$133,750	View
Educators Credit Union 100 BOLLING Dr, WACO, TX 76705 A+5.0 ★Texas Ratio: 0.19%	Conventional	8	0.5%	100%	$73,750	View
First State Bank 1 office in Waco 719 North New Road, Waco, TX 76710 A5.0 ★Texas Ratio: 7.77%	Conventional	5	0.3%	83.3%	$245,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 2 offices in Waco 8004 Woodway Dr, Waco, TX 76712 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo	5	0.3%	100%	$409,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 3 offices in Waco 4010 Bellmead Dr, Waco, TX 76705 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	4 +4 HELOCs	0.2%	80%	$232,500	View
Bank of America NA 2 offices in Waco 401 Hewitt Dr, Waco, TX 76712 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +1 HELOCs	0.1%	33.3%	$735,000	View
Incommons Bank, N.A. 1 office in Waco 5400 Crosslake Pkwy, Waco, TX 76712 A5.0 ★Texas Ratio: 6.04%	Conventional	1	0.1%	50%	$505,000	View
Sunflower Bank, N.A. 1 office in Waco 1300 N Valley Mills Dr, Waco, TX 76710 A5.0 ★Texas Ratio: 10.77%	FHA	1	0.1%	100%	$255,000	View
Susser Bank 2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02%	Conventional, FHA	24	1.5%	100%	$251,250	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA	14	0.9%	100%	$239,285
Texell Credit Union 1221 Hewitt Dr, Waco, TX 76712 8896 A+5.0 ★Texas Ratio: 3.98%	Conventional	7	0.4%	77.8%	$186,428	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA	6	0.4%	100%	$345,000	View
First National Bank of Bosque County 8213 North Highway 6, Waco, TX 76712	Conventional	6	0.4%	100%	$160,000
Security Bank of Texas 3600 N Capital Of Texas Highway, Austin, TX 78746 A5.0 ★Texas Ratio: 12.78%	Conventional	5	0.3%	100%	$161,000	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional	4	0.2%	100%	$355,000	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional	3	0.2%	85.7%	$165,000	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional	3	0.2%	100%	$231,666	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	2 +5 HELOCs	0.1%	100%	$265,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$345,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional	2	0.1%	100%	$350,000	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional	2	0.1%	100%	$240,000	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	2	0.1%	66.7%	$205,000	View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	Conventional	2	0.1%	100%	$420,000	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$215,000	View
Eecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$445,000	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$255,000	View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$705,000	View
Aspire Home Loans 900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15%	Conventional	1	0.1%	100%	$275,000	View
First Bank 900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67%	Conventional	1	0.1%	100%	$165,000	View
Amplify Credit Union 2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72%	FHA	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%	$45,000	View
Velocio Mortgage, L.L.C. 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional	1	0.1%	100%	$335,000	View
Citizens State Bank 224 N Main St, Anton, TX 79313	Conventional	1	0.1%	100%	$175,000
Velocity Credit Union 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional	1	0.1%	100%	$375,000	View
Shell Federal Credit Union 7235 John Martin Road, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$255,000	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%	$505,000	View
Greater Texas FCU 1425 N CENTER ST, ARLINGTON, TX 76011	Conventional	1	0.1%	100%	$145,000
Vantage Bank Texas 1785 Ruben M Torres Blvd, Brownsville, TX 78521 A5.0 ★Texas Ratio: 8.20%	Conventional	1	0.1%	100%	$185,000	View
Gecu 5645 Woodrow Bean, El Paso, TX 79924 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$485,000	View
Wellington State Bank 1301 Highway 59 N, Bowie, TX 76230 D3.2 ★Texas Ratio: 37.23%	Conventional	1	0.1%	100%	$455,000	View
First National Bank of Winnsboro 315 N Main St, Winnsboro, TX 75494 A+5.0 ★Texas Ratio: 3.30%	Conventional	1	0.1%	100%	$225,000	View
Armed Forces Bank, N.A. 1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0.1%	100%	$265,000	View
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	50%	$335,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	VA	1	0.1%	100%	$295,000	View
Texans Credit Union 406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	100%	$165,000	View
Fifth Third Bank, National Association 805 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$175,000	View
First Liberty Bank 2600 Dallas Pkwy, Frisco, TX 75034 A+5.0 ★Texas Ratio: 0.50%	Conventional	1	0.1%	100%	$145,000	View
Red River Employees Federal Credit Union 105 Loop 59, Atlanta, TX 75551 A+5.0 ★Texas Ratio: 4.75%	Conventional	1	0.1%	100%	$195,000	View
A+ Federal Credit Union 1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13%	Conventional	1	0.1%	100%	$155,000	View
Texana Bank 124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83%	VA	1	0.1%	100%	$305,000	View
Texas Trust Credit Union 2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$35,000	View
First Service Credit Union 3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24%	Conventional	1	0.1%	100%	$135,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 7800 Shoal Creek Boulevard, Austin, TX 78757 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +3 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
SWBC Mortgage Corporation	Conventional, FHA, VA	88	5.4%	95.8%	$268,409
DHI Mortgage Company, LTD.	Conventional, FHA, VA	66	4.1%	88%	$312,424
Kangaroo Home Lending, LLC	Conventional, FHA, VA	32	2%	100%	$311,250
Network Funding, L.P.	Conventional, FHA, VA	16	1%	84.2%	$288,125
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	11	0.7%	100%	$245,909
Primelending	Conventional, FHA, VA	9	0.6%	100%	$212,777
Highlands Residential Mortgage, Ltd.	Conventional, FHA	6	0.4%	100%	$221,666
Nationstar Mortgage	Conventional	6	0.4%	75%	$125,000
Capital Concepts Inc	Conventional	3	0.2%	100%	$215,000
Sfmc, LP	Conventional, VA	3	0.2%	100%	$238,333
Trinity Oaks Mortgage	Conventional, FHA	3	0.2%	100%	$261,666
Willow Bend Mortgage Company, LLC	Conventional, FHA	2	0.1%	100%	$330,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$115,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	2	0.1%	66.7%	$305,000	View
Southwest Funding LP	FHA, VA, Jumbo	2	0.1%	100%	$550,000
American Airlines Federal Cred	Conventional	1	0.1%	100%	$135,000
FocusOne Mortgage, LLC	Conventional	1	0.1%	100%	$425,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$195,000
Directions Equity, LLC	Conventional	1	0.1%	100%	$225,000
Stone Meadow Lending, LLC	FHA	1	0.1%	100%	$265,000
Integrity Mortgage Corporation of Texas	Conventional	1	0.1%	100%	$335,000
Legend Lending Corporation A+5.0 ★Texas Ratio: 0.92%	Conventional	1	0.1%	100%	$185,000	View
Encompass Lending Group, L.P.	FHA	1	0.1%	100%	$245,000
Loanpeople, LLC	Conventional	1	0.1%	100%	$265,000
Gardner Financial Services	Conventional	1	0.1%	100%	$355,000
Gsb Mortgage, Inc.	Conventional	1	0.1%	100%	$145,000
Right Start Mortgage, Inc	FHA	1	0.1%	33.3%	$295,000
Hometrust Mortgage Company	Conventional	1	0.1%	100%	$485,000
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	112	6.9%	76.5%	$202,767	View
Fairway Independent Mort Corp	Conventional, FHA, VA	75	4.6%	89.3%	$252,200
United Wholesale Mortgage	Conventional, FHA, VA	66	4.1%	81%	$290,000
Movement Mortgage, LLC	Conventional, FHA, VA	58	3.6%	98.6%	$208,275
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA, VA	48	3%	100%	$226,666	View
Churchill Mortgage Corporation	Conventional, FHA, VA	31	1.9%	94.4%	$249,516
CrossCountry Mortgage, LLC	Conventional, FHA, VA	28	1.7%	93.8%	$301,071
Mortgage Research Center	Conventional, FHA, VA	26	1.6%	66.7%	$283,846
Newrez LLC	Conventional, FHA, VA	23	1.4%	71.4%	$226,739
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, Jumbo	20	1.2%	95.5%	$247,000
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	19	1.2%	84.4%	$234,473	View
Freedom Mortgage Corporation	Conventional, FHA, VA	17	1%	95%	$285,588
Wallick and Volk, Inc.	Conventional, FHA, VA	13	0.8%	92.9%	$209,615
loanDepot.com LLC	Conventional, FHA, HELOC	11 +4 HELOCs	0.7%	66.7%	$175,909
Pennymac Loan Services LLC	Conventional, FHA, VA	11	0.7%	81.2%	$180,454
Cadence Bank	Conventional, FHA, Jumbo, HELOC	10 +3 HELOCs	0.6%	64.7%	$280,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	10	0.6%	71.4%	$258,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	8	0.5%	50%	$308,750
Kind Lending, LLC	Conventional, FHA, VA	6	0.4%	100%	$275,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	6	0.4%	100%	$151,666	View
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	6	0.4%	25%	$185,000	View
Valley West Corporation	Conventional, FHA	6	0.4%	100%	$188,333
American Pacific Mortgage Corporation	Conventional, FHA, VA	6	0.4%	75%	$320,000
Better Mortgage Corporation	Conventional	6	0.4%	85.7%	$270,000
Residential Wholesale Mortgage	Conventional, FHA	5	0.3%	100%	$289,000
Nfm, Inc	Conventional, FHA, VA	5	0.3%	100%	$249,000
Guaranteed Rate, Inc.	Conventional, FHA	4	0.2%	100%	$270,000
Royal United Mortgage LLC	Conventional	4	0.2%	50%	$117,500
Equity Prime Mortgage LLC	FHA, VA	4	0.2%	100%	$245,000
Cardinal Financial Company, Li	Conventional, FHA	4	0.2%	100%	$232,500
Planet Home Lending, LLC	Conventional, FHA, VA	4	0.2%	100%	$205,000
Castle & Cooke Mortgage, LLC	Conventional, FHA	4	0.2%	100%	$355,000
21St Mortgage	Conventional	4	0.2%	19%	$72,500
Paramount Residential Mortgage	Conventional, FHA, VA	4	0.2%	100%	$265,000
Plaza Home Mortgage, Inc	Conventional, FHA	4	0.2%	66.7%	$200,000
Goodleap, LLC	Conventional, HELOC	3 +1 HELOCs	0.2%	75%	$151,666
AmeriHome Mortgage Company, LLC	Conventional, VA	3	0.2%	100%	$295,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	3	0.2%	35.3%	$111,666	View
Synergy One Lending, Inc.	Conventional, FHA	3	0.2%	100%	$158,333
Land Home Financial Services,	Conventional, FHA	3	0.2%	100%	$155,000
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	3	0.2%	100%	$228,333
First Guaranty Bank	Conventional	3	0.2%	60%	$251,666
The Loan Store, Inc	Conventional	3	0.2%	75%	$388,333
Southwest Stage Funding LLC	Conventional, FHA	3	0.2%	100%	$238,333
Vanderbilt Mortgage and Finance, Inc	Conventional	3	0.2%	10.7%	$51,666
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.2%	100%	$355,000	View
Spring Eq, LLC	Conventional	3	0.2%	37.5%	$165,000
Alliant Credit Union A+5.0 ★Texas Ratio: 4.84%	Conventional, Jumbo	2	0.1%	100%	$560,000	View
American Mortgage Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA	2	0.1%	100%	$170,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	2	0.1%	100%	$100,000	View
Flat Branch Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$270,000
Union Home Mortgage Corp.	FHA, VA	2	0.1%	100%	$285,000
Franklin Loan Corporation	Conventional	2	0.1%	100%	$170,000
T2 Financial LLC	FHA	2	0.1%	100%	$235,000
Hometown Equity Mortgage, LLC	Conventional, FHA	2	0.1%	66.7%	$300,000
Towne Mortgage Company	FHA	2	0.1%	100%	$300,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	100%	$160,000
New American Funding, LLC.	Conventional	2	0.1%	50%	$195,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$315,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$425,000	View
American Portfolio Mortgage Corporation	FHA	1	0.1%	100%	$315,000
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$215,000
Guaranteed Rate Affinity, LLC	VA	1	0.1%	100%	$425,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0.1%	100%	$285,000	View
American Financial Resources LLC	FHA	1	0.1%	100%	$175,000
Primary Residential Mortgage, INC.	FHA	1	0.1%	100%	$455,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	FHA	1	0.1%	100%	$235,000	View
Canopy Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$365,000
Watermark Capital, Inc.	Conventional	1	0.1%	100%	$245,000
PHH Mortgage Corporation	Conventional	1	0.1%	33.3%	$185,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$265,000
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.1%	100%	$145,000	View
Platinum Eagle Mortgage, LLC	VA	1	0.1%	100%	$145,000
Success Mortgage Partners, Inc	FHA	1	0.1%	100%	$255,000
Discover Bank	Conventional	1	0.1%	6.7%	$115,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$475,000
Mortgage Financial Services	VA	1	0.1%	100%	$345,000
Direct Mortgage Corp A+5.0 ★Texas Ratio: 3.64%	Conventional	1	0.1%	100%	$335,000	View
Northwest Federal Credit Union A+5.0 ★Texas Ratio: 0.59%	Conventional	1	0.1%	100%	$225,000	View
American Financing Corporation	Conventional	1	0.1%	12.5%	$135,000
ClearPath Lending	VA	1	0.1%	100%	$325,000
Securitynational Mortgage Company	FHA	1	0.1%	100%	$175,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$455,000
First Colony Mortgage Corporat	Conventional	1	0.1%	100%	$165,000
Mid-Continent Funding, Inc.	VA	1	0.1%	100%	$375,000
Real Genius LLC	Conventional	1	0.1%	100%	$275,000
Oceanfirst Bank A+5.0 ★Texas Ratio: 5.26%	Conventional	1	0.1%	100%	$175,000	View
Intelliloan, Inc.	FHA	1	0.1%	100%	$285,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	50%	$175,000	View
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$305,000
Waterman Bank A5.0 ★Texas Ratio: 8.69%	FHA	1	0.1%	100%	$175,000	View
Great Plains National Bank	Conventional	1	0.1%	100%	$675,000
Empeople Credit Union	Conventional	1	0.1%	50%	$295,000
Pentagon Federal Credit Union	Conventional	1	0.1%	100%	$355,000
Willamette Valley Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	100%	$295,000	View
Interstate Home Loan Center, Inc.	FHA	1	0.1%	100%	$265,000
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$465,000
Citadel Servicing Corporation	Conventional	1	0.1%	100%	$105,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$105,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$135,000
Mutual of Omaha Mortgage	Conventional	1	0.1%	33.3%	$275,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$265,000
Local Bank A5.0 ★Texas Ratio: 8.28%	Conventional	1	0.1%	100%	$185,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$285,000	View
Carrington Mortgage Services LLC	Conventional	1	0.1%	14.3%	$185,000
Mason-McDuffie Mortgage Corporation	Conventional	1	0.1%	100%	$325,000
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$175,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$105,000
Village Capital & Investment	VA	1	0.1%	66.7%	$365,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$255,000
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	HELOC	0 +1 HELOCs	0%	0%		View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	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.

Waco 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 Waco, Texas

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

Types of Mortgage Lenders in Waco, TX

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

Mortgage companies and brokers 120 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 64 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 74 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 49 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 77 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Waco, TX

Independent mortgage companies closed 58.4 percent of home loans in Waco, Texas in 2025, banks 35 percent and credit unions 6.6 percent. Everett Financial, Inc. was the largest mortgage company, Central National Bank the largest bank and First Central Credit Union the largest credit union. Among lenders headquartered in Texas, Central National Bank led with 71 loans.

58.4%

Mortgage companies

35%

Banks

6.6%

Credit unions

22%

FHA loans

10%

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 Waco, TX

Who is the largest mortgage lender in Waco, TX?

By home loans closed in 2025, Central National Bank was the largest mortgage lender in Waco, Texas with 71 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Waco, Texas, First National Bank of Mcgregor approved the highest share of completed applications in 2025 at 100 percent, against a 80.6 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 Waco, TX mortgage lenders offer FHA, VA and USDA loans?

74 lenders closed FHA loans in Waco, Texas in 2025, led by DHI Mortgage Company, LTD. with 34. 49 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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.

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

Yes. 64 banks and 27 credit unions closed home loans in Waco, Texas in 2025, alongside 120 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 Waco, TX ranked on this page?

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