Mortgage Lenders and Brokers in Winnsboro, 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
Winnsboro, Texas mortgage lenders include First National Bank of WinnsboroFirst National Bank of Winnsboro315 N Main St, Winnsboro, TX 75494A+5.0 ★Texas Ratio: 3.30%, The City National Bank of Sulphur SpringsThe City National Bank of Sulphur Springs210 S Main St, Winnsboro, TX 75494A+5.0 ★Texas Ratio: 1.12%, Broadstreet BankBroadstreet Bank500 S Main St, Winnsboro, TX 75494B4.5 ★Texas Ratio: 21.09%, Prosperity BankProsperity Bank607 S Main St, Winnsboro, TX 75494A+5.0 ★Texas Ratio: 1.58%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Texas Mortgage Lending, LLCTexas Mortgage Lending, LLC900 W Bethany Dr Ste 500, Allen, TX 75013 3834A+5.0 ★Texas Ratio: 3.34%, First National Bank of East TexasFirst National Bank of East Texas910 W Broadway St, Big Sandy, TX 75755A5.0 ★Texas Ratio: 12.71%, PNC Bank N.A.PNC Bank N.A.1049 N 3rd St Ste 100, Abilene, TX 79601A+5.0 ★Texas Ratio: 4.24%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, and Alliance BankAlliance Bank9404 Hillside Rd, Amarillo, TX 79119A+5.0 ★Texas Ratio: 4.84%. 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 Winnsboro, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winnsboro 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 Winnsboro, Texas
Market share is the lender's share of all home loans closed in Winnsboro, 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 Winnsboro 315 N Main St, Winnsboro, TX 75494 A+5.0 ★Texas Ratio: 3.30% |
Conventional | 16 | 8% | 80% | $99,375 | View |
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1 office in Winnsboro 210 S Main St, Winnsboro, TX 75494 A+5.0 ★Texas Ratio: 1.12% |
Conventional | 12 | 6% | 75% | $129,166 | View |
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1 office in Winnsboro 500 S Main St, Winnsboro, TX 75494 B4.5 ★Texas Ratio: 21.09% |
Conventional | 1 | 0.5% | 33.3% | $75,000 | View |
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★ 1 stars, 1 review 1 office in Winnsboro 607 S Main St, Winnsboro, TX 75494 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.5% | 100% | $1,261,666 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional, VA | 3 | 1.5% | 100% | $188,333 | View |
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910 W Broadway St, Big Sandy, TX 75755 A5.0 ★Texas Ratio: 12.71% |
Conventional | 3 | 1.5% | 60% | $111,666 | View |
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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
1% | 100% | $850,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
FHA, VA | 2 | 1% | 100% | $380,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 2 | 1% | 40% | $345,000 | View |
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★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.5% | 100% | $2,005,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA | 1 | 0.5% | 100% | $185,000 | |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional | 1 | 0.5% | 100% | $325,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $235,000 | View |
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11701 Luna Rd, Farmers Branch, TX 75234 A+5.0 ★Texas Ratio: 3.54% |
FHA | 1 | 0.5% | 100% | $245,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,125,000 | View |
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16475 Dallas Pkwy, Addison, TX 75001 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, USDA, Jumbo | 8 | 4% | 100% | $422,500 | |
Primelending
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Conventional, FHA, VA | 7 | 3.5% | 100% | $303,571 | |
East Texas Professional C.U.
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Conventional | 2 | 1% | 100% | $285,000 | |
Integrity Mortgage Corporation of Texas
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Conventional, VA | 2 | 1% | 100% | $390,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $565,000 | |
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A-5.0 ★Texas Ratio: 14.15% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
Cypress Bank State Savings Bank
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Conventional | 1 | 0.5% | 50% | $205,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.5% | 100% | $805,000 | |
Southwest Funding LP
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VA | 1 | 0.5% | 100% | $515,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 14 | 7% | 73.7% | $220,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 5% | 90.9% | $244,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 8 | 4% | 100% | $236,250 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 3.5% | 100% | $255,000 | |
Mortgage Research Center
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VA | 7 | 3.5% | 77.8% | $333,571 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, VA, USDA | 6 | 3% | 100% | $171,666 | View |
Cmg Mortgage Inc
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Conventional | 5 | 2.5% | 100% | $317,000 | |
21St Mortgage
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Conventional | 5 | 2.5% | 50% | $159,000 | |
Newrez LLC
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Conventional | 4 | 2% | 100% | $357,500 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 4 | 2% | 80% | $122,500 | View |
Nations Lending Corporation
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Conventional, FHA | 4 | 2% | 80% | $147,500 | |
Southwest Stage Funding LLC
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Conventional, FHA | 4 | 2% | 66.7% | $197,500 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 4 | 2% | 100% | $262,500 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.5% | 60% | $355,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.5% | 66.7% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, USDA | 2 | 1% | 100% | $65,000 | View |
Watermark Capital, Inc.
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Conventional, Jumbo | 2 | 1% | 100% | $1,430,000 | |
loanDepot.com LLC
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Conventional | 2 | 1% | 75% | $270,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 1% | 100% | $505,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 1% | 100% | $100,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 1% | 100% | $150,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 50% | $55,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,125,000 | View |
Guaranteed Rate, Inc.
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VA | 1 | 0.5% | 50% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.5% | 50% | $395,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.5% | 100% | $355,000 | |
Movement Mortgage, LLC
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VA | 1 | 0.5% | 100% | $295,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.5% | 100% | $445,000 | View |
Redwood Residential Acquisition Corporation
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Conventional | 1 | 0.5% | 100% | $95,000 | |
American Financing Corporation
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Conventional | 1 | 0.5% | 50% | $125,000 | |
Midwest Mortgage Associates Corp
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FHA | 1 | 0.5% | 100% | $105,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.5% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.03% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.5% | 100% | $345,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.5% | 100% | $475,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.5% | 100% | $75,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.5% | 100% | $975,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.5% | 50% | $155,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 50% | $235,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.5% | 100% | $135,000 | View |
The Mortgage Link, Inc.
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Conventional | 1 | 0.5% | 100% | $715,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $485,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Winnsboro 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 Winnsboro, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Winnsboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winnsboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winnsboro, TX
Use these to narrow the list above. Each category shows how many Winnsboro, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Winnsboro, TX
Independent mortgage companies closed 65.3 percent of home loans in Winnsboro, Texas in 2025, banks 30.7 percent and credit unions 4 percent. Pilgrim Mortgage LLC was the largest mortgage company, First National Bank of Winnsboro the largest bank and Texas Mortgage Lending, LLC the largest credit union. Among lenders headquartered in Texas, First National Bank of Winnsboro led with 16 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 Winnsboro, TX
By home loans closed in 2025, First National Bank of Winnsboro was the largest mortgage lender in Winnsboro, Texas with 16 loans, about 8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Winnsboro, Texas in 2025, led by Primelending with 3. 19 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 22 banks and 7 credit unions closed home loans in Winnsboro, Texas in 2025, alongside 44 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 Winnsboro, 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 Winnsboro, 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 Winnsboro. 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.
