Top 3 Mortgage Lenders in Richland

PrimeLending stands out as one of the highest-rated mortgage lenders serving the Richland area through their Waco office. With nearly two decades of experience and exceptional 4.9-star ratings across multiple platforms, they offer comprehensive mortgage solutions including specialized VA and USDA loans that benefit rural communities like Richland. Their local loan officers have deep knowledge of the Central Texas market and provide personalized service with competitive rates. The company maintains an A+ BBB rating and has received numerous industry awards for customer satisfaction and lending excellence.

As one of the most established financial institutions in Central Texas, First National Bank of Central Texas has been serving the Richland community for over a century. This locally-owned bank offers personalized mortgage services with the advantage of local underwriting and decision-making. Their construction and land loan expertise is particularly valuable for the growing Richland area. With consistently high customer satisfaction ratings and deep community roots, they provide stable, reliable mortgage financing with the personal touch of a community bank while offering competitive rates and flexible terms.

Texans Credit Union provides exceptional mortgage services to Richland residents through their extensive Central Texas footprint. As a member-owned financial cooperative, they offer highly competitive rates and lower fees than many traditional banks. Their mortgage team specializes in first-time homebuyer programs and offers comprehensive digital mortgage tools alongside personalized service. With nearly 70 years of operation and strong financial stability, they have earned excellent customer reviews for their responsive service and competitive loan products. Their VA and FHA loan expertise makes them particularly valuable for military families and those with moderate incomes.