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Mortgage Lenders and Brokers in Waxahachie, Texas

Content reviewed by

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

Waxahachie, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1904 N Highway 77, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 3.68%, Citizens National Bank of TexasCitizens National Bank of Texas1001 N Highway 77, Waxahachie, TX 75165A5.0 ★Texas Ratio: 12.03%, First Financial BankFirst Financial Bank101 Northgate Dr, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 3.74%, Wells Fargo Bank NAWells Fargo Bank NA1111 N Highway 77, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA401 N Highway 77 Suite 20, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 4.14%, InterbankInterbank300 Us 77 North, Waxahachie, TX 75165A5.0 ★Texas Ratio: 11.26%, Harmony BankHarmony Bank104 Broadhead Rd, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 0.07%, PNC Bank N.A.PNC Bank N.A.1015 N Highway 77, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 4.24%, First National Bank TexasFirst National Bank Texas1200 N Highway 77, Waxahachie, TX 75165A4.7 ★Texas Ratio: 3.20%, and Prosperity BankProsperity Bank401 Ferris Ave, Waxahachie, TX 75165A+5.0 ★Texas Ratio: 1.58%. 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 Waxahachie, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waxahachie 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 Waxahachie, Texas

Market share is the lender's share of all home loans closed in Waxahachie, 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
JPMorgan Chase Bank, NA 1 office in Waxahachie 1904 N Highway 77, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo	22	1.4%	81.5%	$385,454	View
Citizens National Bank of Texas 2 offices in Waxahachie 1001 N Highway 77, Waxahachie, TX 75165 A5.0 ★Texas Ratio: 12.03%	Conventional	22	1.4%	76.7%	$229,090	View
First Financial Bank 1 office in Waxahachie 101 Northgate Dr, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 3.74%	Conventional, FHA, Jumbo, HELOC	10 +11 HELOCs	0.6%	76.9%	$257,000	View
Wells Fargo Bank NA 1 office in Waxahachie 1111 N Highway 77, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 5.36%	Conventional	10	0.6%	90.9%	$210,000	View
Bank of America NA 1 office in Waxahachie 401 N Highway 77 Suite 20, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	7 +12 HELOCs	0.4%	77.8%	$455,000	View
Interbank 1 office in Waxahachie 300 Us 77 North, Waxahachie, TX 75165 A5.0 ★Texas Ratio: 11.26%	Conventional	4	0.2%	80%	$245,000	View
Harmony Bank 1 office in Waxahachie 104 Broadhead Rd, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 0.07%	Conventional	3	0.2%	75%	$338,333	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Waxahachie 1015 N Highway 77, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +11 HELOCs	0.1%	50%	$735,000	View
First National Bank Texas 1 office in Waxahachie 1200 N Highway 77, Waxahachie, TX 75165 A4.7 ★Texas Ratio: 3.20%	VA	1	0.1%	100%	$525,000	View
Prosperity Bank ★ 1 stars, 1 review 1 office in Waxahachie 401 Ferris Ave, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 1.58%	Conventional	1	0.1%	50%	$265,000	View
Community National Bank & Trust of Texas 1 office in Waxahachie 1905 N Highway 77, Waxahachie, TX 75165 A+5.0 ★Texas Ratio: 2.19%	Conventional	1	0.1%	100%	$135,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA, VA, HELOC	20 +1 HELOCs	1.2%	90.9%	$366,000
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA	16	1%	100%	$505,625	View
Frost Bank ★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	15 +11 HELOCs	0.9%	37.5%	$148,333	View
American National Bank & Trust 108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83%	Conventional, FHA, Jumbo	10	0.6%	100%	$368,000	View
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional, FHA	7	0.4%	100%	$319,285	View
Texas Trust Credit Union 2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31%	Conventional	5	0.3%	100%	$225,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	4	0.2%	100%	$345,000	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA	4	0.2%	66.7%	$210,000	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	3 +2 HELOCs	0.2%	100%	$121,666	View
Eecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73%	Conventional, HELOC	3 +1 HELOCs	0.2%	100%	$61,666	View
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	3	0.2%	60%	$485,000	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, FHA, VA, Jumbo	3	0.2%	100%	$615,000	View
Trinity Capital Bank of Texas 1301 N Riverfront Blvd, Dallas, TX 75207 A+5.0 ★Texas Ratio: 3.35%	Conventional	3	0.2%	100%	$301,666	View
LibertyOne Credit Union 2221 E Lamar Blvd Ste 110, Arlington, TX 76006 A5.0 ★Texas Ratio: 8.30%	Conventional	3	0.2%	100%	$118,333	View
Velocio Mortgage, L.L.C. 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	FHA, VA	2	0.1%	100%	$580,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	VA	2	0.1%	50%	$420,000	View
Intouch Credit Union 1010 W Exchange Pkwy Ste 170, Allen, TX 75013 7113 A5.0 ★Texas Ratio: 11.58%	Conventional	2	0.1%	100%	$80,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA	2	0.1%	33.3%	$205,000	View
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional	2	0.1%	100%	$450,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, VA	2	0.1%	66.7%	$475,000	View
Bank of DeSoto, N. A. 2011 N Hampton Rd, De Soto, TX 75115 A5.0 ★Texas Ratio: 6.63%	Conventional	2	0.1%	100%	$250,000	View
Origin Bank 384 E Stacy Rd, Allen, TX 75002 A5.0 ★Texas Ratio: 6.66%	VA	2	0.1%	100%	$355,000	View
American National Bank of Texa 720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41%	Conventional	2	0.1%	66.7%	$340,000	View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$295,000	View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +2 HELOCs	0.1%	50%	$125,000	View
A+ Federal Credit Union 1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$205,000	View
Southwest Airlines FCU 801 W Euless Blvd Ste 104, Euless, TX 76040 4438	Conventional	1	0.1%	100%	$515,000
Rally Credit Union 1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0.1%	100%	$315,000	View
Amarillo National Bank 1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89%	Conventional	1	0.1%	100%	$545,000	View
First Bank 900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67%	VA	1	0.1%	100%	$485,000	View
NBT Financial Bank 1015 Champions Dr Suite 100, Aledo, TX 76008 A-4.9 ★Texas Ratio: 16.19%	Conventional	1	0.1%	100%	$615,000	View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	FHA	1	0.1%	100%	$455,000	View
First State Bank 202 S Palestine St, Athens, TX 75751 A+5.0 ★Texas Ratio: 4.58%	Conventional	1	0.1%	100%	$205,000	View
Gulf Coast Educators Federal Credit Union 6360 Garth Rd Ste 140, Baytown, TX 77521 5105 A+5.0 ★Texas Ratio: 3.85%	Conventional	1	0.1%	100%	$455,000	View
America'S Credit Union 4040 N Central Expy Ste 100, Dallas, TX 75204 A+5.0 ★Texas Ratio: 2.52%	Conventional	1	0.1%	50%	$95,000	View
Herring Bank 45th And Bell Street, Amarillo, TX 79109 A+5.0 ★Texas Ratio: 4.68%	FHA	1	0.1%	100%	$385,000	View
Fort Worth City Credit Union 2309 Montgomery St, Fort Worth, TX 76107 4520 A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$405,000	View
Texas Bank and Trust 449 S Trade Days Blvd, Canton, TX 75103 A+5.0 ★Texas Ratio: 3.78%	Conventional	1	0.1%	100%	$215,000	View
First Ciitizens Bank and Trust 4101 Marathon Blvd, Austin, TX 78756 A5.0 ★Texas Ratio: 7.72%	VA	1	0.1%	100%	$325,000	View
Texas Tech Federal Credit Union 4001 Catclaw Dr, Abilene, TX 79606	FHA	1	0.1%	100%	$275,000
Texas Regional Bank 1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25%	FHA	1	0.1%	100%	$185,000	View
International Bank of Commerce 1421 W Frontage Rd, Alamo, TX 78516	Conventional	1	0.1%	100%	$145,000
Fort Worth Community Credit Union 2327 W Pleasant Ridge Rd, Arlington, TX 76015 4520	Conventional	1	0.1%	100%	$225,000
Central National Bank 835 W 6th St, Austin, TX 78703 A+5.0 ★Texas Ratio: 1.00%	Conventional	1	0.1%	100%	$215,000	View
Texans Credit Union 406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22%	Conventional	1	0.1%	33.3%	$85,000	View
Sunflower Bank, N.A. 623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77%	Conventional	1	0.1%	100%	$405,000	View
Busey Bank 2021 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 2.31%	Conventional	1	0.1%	100%	$615,000	View
Access Community Credit Union 6401 Bell St, Amarillo, TX 79109 A+5.0 ★Texas Ratio: 2.21%	Conventional	1	0.1%	100%	$45,000	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	100%	$505,000	View
Credit Union of Texas 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	HELOC	0 +15 HELOCs	0%	n/a		View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +4 HELOCs	0%	n/a		View
Sfmc, LP	Conventional, FHA, VA	74	4.6%	97.6%	$416,081
Primelending	Conventional, FHA, VA	60	3.7%	91%	$446,500
Trinity Oaks Mortgage	Conventional, FHA, VA	58	3.6%	92.2%	$488,793
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	36	2.2%	97.4%	$324,444
Pikeview Mortgage, LLC	Conventional, FHA, VA	29	1.8%	100%	$386,379
Clm Mortgage, Inc	Conventional, FHA, VA	23	1.4%	100%	$407,173
Brookhollow Mortgage Services, Ltd	Conventional, FHA	17	1%	100%	$425,000
Republic State Mortgage Company	Conventional, FHA, VA	14	0.9%	100%	$407,142
Nationstar Mortgage	Conventional, FHA	13	0.8%	94.1%	$216,538
Jacqueline Montanez	Conventional	9	0.6%	90%	$77,222
PrimeLending Ventures LLC	Conventional	7	0.4%	100%	$407,857
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	7	0.4%	100%	$363,571
Click n' Close, Inc.	Conventional, FHA	6	0.4%	60%	$165,000
SWBC Mortgage Corporation	Conventional, FHA	5	0.3%	100%	$355,000
Southwest Funding LP	Conventional, FHA, VA	5	0.3%	100%	$337,000
Network Funding, L.P.	Conventional	4	0.2%	66.7%	$217,500
Right Start Mortgage, Inc	FHA, VA	4	0.2%	100%	$602,500
Envoy Mortgage, Ltd	Conventional	2	0.1%	100%	$275,000
Orchard Mortgage, LLC	Conventional	2	0.1%	100%	$220,000
Willow Bend Mortgage Company, LLC	Conventional, FHA	2	0.1%	100%	$395,000
Interlinc Mortgage Services, LLC	Conventional	1	0.1%	100%	$315,000
FocusOne Mortgage, LLC	Conventional	1	0.1%	100%	$85,000
Capital Concepts Inc	Conventional	1	0.1%	100%	$165,000
AML Funding LLC dba Absolute Mortgage & Lending	FHA	1	0.1%	100%	$525,000
Integrity Mortgage Corporation of Texas	Conventional	1	0.1%	100%	$595,000
Ameritrust Mortgage Corporation	Conventional	1	0.1%	100%	$625,000
Encompass Lending Group, L.P.	Conventional	1	0.1%	100%	$195,000
Gardner Financial Services	Conventional	1	0.1%	100%	$735,000
Certified Funding, L.P.	Conventional	1	0.1%	25%	$45,000
First Continental Mortgage, Ltd.	VA	1	0.1%	100%	$295,000
DHI Mortgage Company, LTD.	VA	1	0.1%	50%	$535,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	33.3%	$155,000	View
American Airlines Federal Cred	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	124	7.6%	90.8%	$411,048
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	113	7%	77.1%	$277,920	View
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	68 +1 HELOCs	4.2%	100%	$457,058
Freedom Mortgage Corporation	Conventional, FHA, VA	53	3.3%	94%	$452,169
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA, VA	41	2.5%	93.2%	$350,365	View
Newrez LLC	Conventional, FHA, VA	40	2.5%	76.9%	$413,500
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo	39	2.4%	85.1%	$483,205
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	29	1.8%	86.8%	$297,068	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA	28	1.7%	89.5%	$389,285
Planet Home Lending, LLC	Conventional, FHA, VA	25	1.5%	100%	$355,800
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.5%	88.9%	$279,583
Lower, LLC	Conventional, FHA, VA	22	1.4%	88.9%	$490,909
Mortgage Research Center	Conventional, VA	20	1.2%	58.8%	$431,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	20	1.2%	74.1%	$236,000
American Portfolio Mortgage Corporation	Conventional, FHA, VA	17	1%	89.5%	$403,235
Kind Lending, LLC	Conventional, FHA	15	0.9%	60%	$364,333
New American Funding, LLC.	Conventional, FHA, VA	13	0.8%	81.2%	$285,769
Plaza Home Mortgage, Inc	Conventional, FHA, VA	13	0.8%	81.2%	$323,461
Primary Residential Mortgage, INC.	Conventional, FHA, VA	12	0.7%	100%	$360,000
Union Home Mortgage Corp.	Conventional, FHA, VA	12	0.7%	80%	$392,500
loanDepot.com LLC	Conventional, FHA, VA, HELOC	11 +2 HELOCs	0.7%	91.7%	$276,818
Guaranteed Rate, Inc.	Conventional, FHA, VA	11	0.7%	100%	$375,909
Village Capital & Investment	FHA, VA	10	0.6%	94.1%	$447,000
Spring Eq, LLC	Conventional, HELOC	8 +2 HELOCs	0.5%	45%	$105,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	7	0.4%	100%	$407,857
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	7	0.4%	56.8%	$107,857	View
American Pacific Mortgage Corporation	Conventional, FHA	7	0.4%	87.5%	$260,714
Paramount Residential Mortgage	Conventional, FHA, VA, Jumbo	7	0.4%	87.5%	$496,428
The Mortgage Link, Inc.	Conventional, FHA, VA	7	0.4%	100%	$397,857
Cardinal Financial Company, Li	Conventional	6	0.4%	75%	$221,666
Mortgage Solutions of Colorado	VA	6	0.4%	100%	$503,333
21St Mortgage	Conventional	6	0.4%	35.3%	$90,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.3%	35.5%	$385,000
Equity Prime Mortgage LLC	FHA, VA	5	0.3%	100%	$483,000
First Option Mortgage, LLC	Conventional, FHA, VA	5	0.3%	100%	$247,000
Vanderbilt Mortgage and Finance, Inc	Conventional	5	0.3%	13.5%	$73,000
Gold Star Mortgage Financial Group, Corporation	FHA, VA	4	0.2%	100%	$330,000
PHH Mortgage Corporation	Conventional, VA, Jumbo	4	0.2%	100%	$460,000
Sun West Mortgage Company, Inc	Conventional, VA, Jumbo	4	0.2%	100%	$547,500
Das Acquisition Company, LLC	Conventional, FHA, VA	4	0.2%	100%	$557,500
ClearEdge Lending LLC	Conventional	4	0.2%	66.7%	$370,000
Southwest Stage Funding LLC	Conventional, FHA	4	0.2%	83.3%	$197,500
Pentagon Federal Credit Union	Conventional, VA, HELOC	3 +3 HELOCs	0.2%	100%	$361,666
Cornerstone First Mortgage, LLC	Conventional, FHA	3	0.2%	100%	$318,333
American Financial Resources LLC	FHA	3	0.2%	100%	$388,333
Royal United Mortgage LLC	Conventional	3	0.2%	75%	$111,666
NOVA Financial & Investment Corporation	Conventional, VA	3	0.2%	75%	$388,333
Synergy One Lending, Inc.	Conventional, VA	3	0.2%	100%	$441,666
Discover Bank	Conventional	3	0.2%	15.8%	$71,666
Mortgage Financial Services	FHA, VA	3	0.2%	100%	$508,333
Stg Mortgage Inc	Conventional, VA, Jumbo	3	0.2%	100%	$1,485,000
Sierra Pacific Mortgage Co. Inc	Conventional, VA	3	0.2%	100%	$405,000
US Mortgage Corporation A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	3	0.2%	75%	$311,666	View
Better Mortgage Corporation	Conventional, VA	3	0.2%	50%	$378,333
V.I.P. Mortgage, Inc.	Conventional, FHA	3	0.2%	100%	$505,000
The Loan Store, Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$450,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, VA	2	0.1%	100%	$480,000	View
Guaranteed Rate Affinity, LLC	Conventional	2	0.1%	100%	$430,000
Neighborhood Loans, Inc	Conventional	2	0.1%	66.7%	$15,000
Goodleap, LLC	Conventional, VA	2	0.1%	100%	$390,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, VA	2	0.1%	100%	$515,000	View
Movement Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$305,000
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	2	0.1%	14.3%	$420,000	View
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	Conventional, FHA	2	0.1%	100%	$350,000	View
United Built Homes, LLC	Conventional	2	0.1%	75%	$400,000
ClearPath Lending	VA	2	0.1%	100%	$465,000
Securitynational Mortgage Company	FHA, VA	2	0.1%	100%	$440,000
Greenbox Loans	Conventional	2	0.1%	100%	$430,000
Land Home Financial Services,	FHA	2	0.1%	100%	$290,000
Belem Servicing, LLC dba Patriot Home Mortgage	Conventional, FHA	2	0.1%	100%	$355,000
Provident Funding Associates	Conventional	2	0.1%	100%	$320,000
Nations Lending Corporation	Conventional	2	0.1%	100%	$375,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA	2	0.1%	100%	$375,000	View
Pike Creek Mortgage Services, Inc.	Conventional	2	0.1%	100%	$260,000
Summit Funding.Inc	Conventional, FHA	2	0.1%	100%	$335,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	100%	$575,000
Mutual of Omaha Mortgage	Conventional	2	0.1%	66.7%	$260,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	2	0.1%	100%	$445,000	View
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.1%	100%	$230,000
Nexera Holding LLC	Conventional	2	0.1%	66.7%	$445,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, VA	2	0.1%	100%	$415,000	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	2	0.1%	100%	$630,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +5 HELOCs	0.1%	50%	$275,000
Cadence Bank	Conventional	1	0.1%	100%	$195,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$165,000	View
Originpoint, LLC	Conventional	1	0.1%	100%	$235,000
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional	1	0.1%	100%	$575,000	View
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	Conventional	1	0.1%	100%	$185,000	View
Go Mortgage, LLC	FHA	1	0.1%	100%	$535,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$455,000
Nbkc Bank	Conventional	1	0.1%	50%	$345,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$435,000
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$355,000	View
Loanunited.Com, LLC	VA	1	0.1%	100%	$435,000
Filo Mortgage, LLC	Conventional	1	0.1%	100%	$275,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$695,000	View
AmWest Funding Corp	Conventional	1	0.1%	100%	$335,000
Platinum Eagle Mortgage, LLC	FHA	1	0.1%	100%	$335,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$505,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	1	0.1%	100%	$375,000	View
First Alliance Home Mortgage, LLC	FHA	1	0.1%	100%	$325,000
Ahl Funding	Conventional	1	0.1%	100%	$735,000
Lennar Mortgage, LLC	VA	1	0.1%	100%	$305,000
Royal Pacific Funding	FHA	1	0.1%	50%	$455,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$685,000
American Financing Corporation	Conventional	1	0.1%	25%	$65,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$505,000
Bay Equity LLC	FHA	1	0.1%	100%	$215,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$775,000
Eastman Credit Union A+5.0 ★Texas Ratio: 1.56%	Conventional	1	0.1%	100%	$45,000
American Heritage Lending, LLC	Conventional	1	0.1%	100%	$325,000
Weichert Financial Services	Conventional	1	0.1%	100%	$605,000
Calcon Mutual Mortgage LLC	VA	1	0.1%	100%	$295,000
Nfm, Inc	Conventional	1	0.1%	50%	$715,000
Evergreen Moneysource Mortgage Company	Conventional	1	0.1%	100%	$335,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$115,000	View
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$495,000
T2 Financial LLC	Conventional	1	0.1%	50%	$615,000
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	VA	1	0.1%	100%	$365,000	View
Geneva Financial LLC	Conventional	1	0.1%	100%	$175,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$715,000	View
Valliance Bank A+5.0 ★Texas Ratio: 4.84%	Conventional	1	0.1%	100%	$255,000	View
Member First Mortgage, LLC	Conventional	1	0.1%	50%	$295,000
Firstbank A5.0 ★Texas Ratio: 7.51%	Conventional	1	0.1%	19%	$75,000	View
Zillow Home Loans, LLC	FHA	1	0.1%	100%	$335,000
Liberty Home Mortgage Corp	FHA	1	0.1%	100%	$505,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0.1%	100%	$515,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	VA	1	0.1%	100%	$545,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$445,000
Carrington Mortgage Services LLC	FHA	1	0.1%	12.5%	$345,000
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$455,000
JMAC Lending, Inc.	FHA	1	0.1%	100%	$425,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	0%		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.

Waxahachie 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 Waxahachie, Texas

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

Types of Mortgage Lenders in Waxahachie, TX

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

Mortgage companies and brokers 146 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 62 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 22 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 83 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 74 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 13 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 80 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Waxahachie, TX

Independent mortgage companies closed 78.1 percent of home loans in Waxahachie, Texas in 2025, banks 18.2 percent and credit unions 3.7 percent. Everett Financial, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Texas Trust Credit Union the largest credit union. Among lenders headquartered in Texas, Citizens National Bank of Texas led with 22 loans.

78.1%

Mortgage companies

18.2%

Banks

3.7%

Credit unions

25%

FHA loans

18%

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 Waxahachie, TX

Who is the largest mortgage lender in Waxahachie, TX?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Waxahachie, Texas with 22 loans, about 1.4 percent of the market. The largest lender headquartered in Texas was Citizens National Bank of Texas with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Waxahachie, Texas, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 81.4 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 Waxahachie, TX mortgage lenders offer FHA, VA and USDA loans?

83 lenders closed FHA loans in Waxahachie, Texas in 2025, led by Sfmc, LP with 33. 74 lenders closed VA loans, led by United Wholesale Mortgage, 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 Waxahachie, TX lender list?

Yes. 62 banks and 22 credit unions closed home loans in Waxahachie, Texas in 2025, alongside 146 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 Waxahachie, TX ranked on this page?

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