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All 254 Counties

Texas mortgage guides for all 254 counties

By Matthew MontsDeOca, Independent Mortgage Broker · NMLS #1034513 · Updated October 2026

We are licensed to originate mortgage loans anywhere in Texas, and that is not a figure of speech: all 254 counties, from Loving County and its 52 residents to Harris County and its 5,045,026. Together they hold about 32 million people across 261,962 square miles.

County is not a formality on a Texas mortgage. It sets the appraisal district that values the property and the exemptions you file, the tax rate stack that decides your escrow, whether the address falls in a USDA-eligible area, whether windstorm and flood coverage are separate policies, and often whether a lender treats the property as residential or agricultural. Pick your county below.

Buying or refinancing anywhere in Texas? Tell us the county and we will confirm the programs, the limits and the escrow before you write an offer.

The map

Counties in gold have a guide published. The rest are being written; call us about any of them today.

Anderson County — county seat Palestine (guide coming)Andrews County — county seat Andrews (guide coming)Angelina County — county seat Lufkin (guide coming)Aransas County — county seat Rockport (guide coming)Archer County — county seat Archer City (guide coming)Armstrong County — county seat Claude (guide coming)Atascosa County — county seat Jourdanton (guide coming)Austin County — county seat Bellville (guide coming)Bailey County — county seat Muleshoe (guide coming)Bandera County — county seat Bandera (guide coming)Bastrop County — county seat Bastrop (guide coming)Baylor County — county seat Seymour (guide coming)Bee County — county seat Beeville (guide coming)Bell County — county seat BeltonBexar County — county seat San AntonioBlanco County — county seat Johnson City (guide coming)Borden County — county seat Gail (guide coming)Bosque County — county seat Meridian (guide coming)Bowie County — county seat New Boston (guide coming)Brazoria County — county seat AngletonBrazos County — county seat Bryan (guide coming)Brewster County — county seat Alpine (guide coming)Briscoe County — county seat Silverton (guide coming)Brooks County — county seat Falfurrias (guide coming)Brown County — county seat Brownwood (guide coming)Burleson County — county seat Caldwell (guide coming)Burnet County — county seat Burnet (guide coming)Caldwell County — county seat Lockhart (guide coming)Calhoun County — county seat Port Lavaca (guide coming)Callahan County — county seat Baird (guide coming)Cameron County — county seat BrownsvilleCamp County — county seat Pittsburg (guide coming)Carson County — county seat Panhandle (guide coming)Cass County — county seat Linden (guide coming)Castro County — county seat Dimmitt (guide coming)Chambers County — county seat Anahuac (guide coming)Cherokee County — county seat Rusk (guide coming)Childress County — county seat Childress (guide coming)Clay County — county seat Henrietta (guide coming)Cochran County — county seat Morton (guide coming)Coke County — county seat Robert Lee (guide coming)Coleman County — county seat Coleman (guide coming)Collin County — county seat McKinneyCollingsworth County — county seat Wellington (guide coming)Colorado County — county seat Columbus (guide coming)Comal County — county seat New Braunfels (guide coming)Comanche County — county seat Comanche (guide coming)Concho County — county seat Paint Rock (guide coming)Cooke County — county seat Gainesville (guide coming)Coryell County — county seat Gatesville (guide coming)Cottle County — county seat Paducah (guide coming)Crane County — county seat Crane (guide coming)Crockett County — county seat Ozona (guide coming)Crosby County — county seat Crosbyton (guide coming)Culberson County — county seat Van Horn (guide coming)Dallam County — county seat Dalhart (guide coming)Dallas County — county seat DallasDawson County — county seat Lamesa (guide coming)Deaf Smith County — county seat Hereford (guide coming)Delta County — county seat Cooper (guide coming)Denton County — county seat DentonDeWitt County — county seat Cuero (guide coming)Dickens County — county seat Dickens (guide coming)Dimmit County — county seat Carrizo Springs (guide coming)Donley County — county seat Clarendon (guide coming)Duval County — county seat San Diego (guide coming)Eastland County — county seat Eastland (guide coming)Ector County — county seat Odessa (guide coming)Edwards County — county seat Rocksprings (guide coming)El Paso County — county seat El PasoEllis County — county seat Waxahachie (guide coming)Erath County — county seat Stephenville (guide coming)Falls County — county seat Marlin (guide coming)Fannin County — county seat Bonham (guide coming)Fayette County — county seat La Grange (guide coming)Fisher County — county seat Roby (guide coming)Floyd County — county seat Floydada (guide coming)Foard County — county seat Crowell (guide coming)Fort Bend County — county seat RichmondFranklin County — county seat Mount Vernon (guide coming)Freestone County — county seat Fairfield (guide coming)Frio County — county seat Pearsall (guide coming)Gaines County — county seat Seminole (guide coming)Galveston County — county seat GalvestonGarza County — county seat Post (guide coming)Gillespie County — county seat Fredericksburg (guide coming)Glasscock County — county seat Garden City (guide coming)Goliad County — county seat Goliad (guide coming)Gonzales County — county seat Gonzales (guide coming)Gray County — county seat Pampa (guide coming)Grayson County — county seat Sherman (guide coming)Gregg County — county seat Longview (guide coming)Grimes County — county seat Anderson (guide coming)Guadalupe County — county seat Seguin (guide coming)Hale County — county seat Plainview (guide coming)Hall County — county seat Memphis (guide coming)Hamilton County — county seat Hamilton (guide coming)Hansford County — county seat Spearman (guide coming)Hardeman County — county seat Quanah (guide coming)Hardin County — county seat Kountze (guide coming)Harris County — county seat HoustonHarrison County — county seat Marshall (guide coming)Hartley County — county seat Channing (guide coming)Haskell County — county seat Haskell (guide coming)Hays County — county seat San MarcosHemphill County — county seat Canadian (guide coming)Henderson County — county seat Athens (guide coming)Hidalgo County — county seat EdinburgHill County — county seat Hillsboro (guide coming)Hockley County — county seat Levelland (guide coming)Hood County — county seat Granbury (guide coming)Hopkins County — county seat Sulphur Springs (guide coming)Houston County — county seat Crockett (guide coming)Howard County — county seat Big Spring (guide coming)Hudspeth County — county seat Sierra Blanca (guide coming)Hunt County — county seat Greenville (guide coming)Hutchinson County — county seat Stinnett (guide coming)Irion County — county seat Mertzon (guide coming)Jack County — county seat Jacksboro (guide coming)Jackson County — county seat Edna (guide coming)Jasper County — county seat Jasper (guide coming)Jeff Davis County — county seat Fort Davis (guide coming)Jefferson County — county seat BeaumontJim Hogg County — county seat Hebbronville (guide coming)Jim Wells County — county seat Alice (guide coming)Johnson County — county seat Cleburne (guide coming)Jones County — county seat Anson (guide coming)Karnes County — county seat Karnes City (guide coming)Kaufman County — county seat Kaufman (guide coming)Kendall County — county seat Boerne (guide coming)Kenedy County — county seat Sarita (guide coming)Kent County — county seat Jayton (guide coming)Kerr County — county seat Kerrville (guide coming)Kimble County — county seat Junction (guide coming)King County — county seat Guthrie (guide coming)Kinney County — county seat Brackettville (guide coming)Kleberg County — county seat Kingsville (guide coming)Knox County — county seat Benjamin (guide coming)La Salle County — county seat Cotulla (guide coming)Lamar County — county seat Paris (guide coming)Lamb County — county seat Littlefield (guide coming)Lampasas County — county seat Lampasas (guide coming)Lavaca County — county seat Hallettsville (guide coming)Lee County — county seat Giddings (guide coming)Leon County — county seat Centerville (guide coming)Liberty County — county seat Liberty (guide coming)Limestone County — county seat Groesbeck (guide coming)Lipscomb County — county seat Lipscomb (guide coming)Live Oak County — county seat George West (guide coming)Llano County — county seat Llano (guide coming)Loving County — county seat Mentone (guide coming)Lubbock County — county seat LubbockLynn County — county seat Tahoka (guide coming)Madison County — county seat Madisonville (guide coming)Marion County — county seat Jefferson (guide coming)Martin County — county seat Stanton (guide coming)Mason County — county seat Mason (guide coming)Matagorda County — county seat Bay City (guide coming)Maverick County — county seat Eagle Pass (guide coming)McCulloch County — county seat Brady (guide coming)McLennan County — county seat Waco (guide coming)McMullen County — county seat Tilden (guide coming)Medina County — county seat Hondo (guide coming)Menard County — county seat Menard (guide coming)Midland County — county seat Midland (guide coming)Milam County — county seat Cameron (guide coming)Mills County — county seat Goldthwaite (guide coming)Mitchell County — county seat Colorado City (guide coming)Montague County — county seat Montague (guide coming)Montgomery County — county seat ConroeMoore County — county seat Dumas (guide coming)Morris County — county seat Daingerfield (guide coming)Motley County — county seat Matador (guide coming)Nacogdoches County — county seat Nacogdoches (guide coming)Navarro County — county seat Corsicana (guide coming)Newton County — county seat Newton (guide coming)Nolan County — county seat Sweetwater (guide coming)Nueces County — county seat Corpus ChristiOchiltree County — county seat Perryton (guide coming)Oldham County — county seat Vega (guide coming)Orange County — county seat Orange (guide coming)Palo Pinto County — county seat Palo Pinto (guide coming)Panola County — county seat Carthage (guide coming)Parker County — county seat Weatherford (guide coming)Parmer County — county seat Farwell (guide coming)Pecos County — county seat Fort Stockton (guide coming)Polk County — county seat Livingston (guide coming)Potter County — county seat Amarillo (guide coming)Presidio County — county seat Marfa (guide coming)Rains County — county seat Emory (guide coming)Randall County — county seat Canyon (guide coming)Reagan County — county seat Big Lake (guide coming)Real County — county seat Leakey (guide coming)Red River County — county seat Clarksville (guide coming)Reeves County — county seat Pecos (guide coming)Refugio County — county seat Refugio (guide coming)Roberts County — county seat Miami (guide coming)Robertson County — county seat Franklin (guide coming)Rockwall County — county seat Rockwall (guide coming)Runnels County — county seat Ballinger (guide coming)Rusk County — county seat Henderson (guide coming)Sabine County — county seat Hemphill (guide coming)San Augustine County — county seat San Augustine (guide coming)San Jacinto County — county seat Coldspring (guide coming)San Patricio County — county seat Sinton (guide coming)San Saba County — county seat San Saba (guide coming)Schleicher County — county seat Eldorado (guide coming)Scurry County — county seat Snyder (guide coming)Shackelford County — county seat Albany (guide coming)Shelby County — county seat Center (guide coming)Sherman County — county seat Stratford (guide coming)Smith County — county seat TylerSomervell County — county seat Glen Rose (guide coming)Starr County — county seat Rio Grande City (guide coming)Stephens County — county seat Breckenridge (guide coming)Sterling County — county seat Sterling City (guide coming)Stonewall County — county seat Aspermont (guide coming)Sutton County — county seat Sonora (guide coming)Swisher County — county seat Tulia (guide coming)Tarrant County — county seat Fort WorthTaylor County — county seat Abilene (guide coming)Terrell County — county seat Sanderson (guide coming)Terry County — county seat Brownfield (guide coming)Throckmorton County — county seat Throckmorton (guide coming)Titus County — county seat Mount Pleasant (guide coming)Tom Green County — county seat San Angelo (guide coming)Travis County — county seat AustinTrinity County — county seat Groveton (guide coming)Tyler County — county seat Woodville (guide coming)Upshur County — county seat Gilmer (guide coming)Upton County — county seat Rankin (guide coming)Uvalde County — county seat Uvalde (guide coming)Val Verde County — county seat Del Rio (guide coming)Van Zandt County — county seat Canton (guide coming)Victoria County — county seat Victoria (guide coming)Walker County — county seat Huntsville (guide coming)Waller County — county seat Hempstead (guide coming)Ward County — county seat Monahans (guide coming)Washington County — county seat Brenham (guide coming)Webb County — county seat LaredoWharton County — county seat Wharton (guide coming)Wheeler County — county seat Wheeler (guide coming)Wichita County — county seat Wichita Falls (guide coming)Wilbarger County — county seat Vernon (guide coming)Willacy County — county seat Raymondville (guide coming)Williamson County — county seat GeorgetownWilson County — county seat Floresville (guide coming)Winkler County — county seat Kermit (guide coming)Wise County — county seat Decatur (guide coming)Wood County — county seat Quitman (guide coming)Yoakum County — county seat Plains (guide coming)Young County — county seat Graham (guide coming)Zapata County — county seat Zapata (guide coming)Zavala County — county seat Crystal City (guide coming)

Every county, by region

Grouped the way Texans describe where they live, largest first within each region.

Gulf Coast · 28 counties

Harris CountyFort Bend CountyMontgomery CountyBrazoria CountyGalveston CountyNueces CountyJefferson CountyLiberty CountyVictoria CountyOrange CountySan Patricio CountyWaller CountyHardin CountyChambers CountyWharton CountyMatagorda CountyAustin CountyKleberg CountyAransas CountyFayette CountyColorado CountyLavaca CountyDeWitt CountyCalhoun CountyJackson CountyGoliad CountyRefugio CountyKenedy County

North Texas · 38 counties

Dallas CountyTarrant CountyCollin CountyDenton CountyEllis CountyJohnson CountyKaufman CountyParker CountyGrayson CountyTaylor CountyRockwall CountyWichita CountyWise CountyHood CountyCooke CountyErath CountyHill CountyFannin CountyPalo Pinto CountyMontague CountyJones CountyBosque CountyYoung CountyEastland CountyCallahan CountyWilbarger CountyClay CountySomervell CountyJack CountyStephens CountyArcher CountyHaskell CountyBaylor CountyHardeman CountyShackelford CountyKnox CountyThrockmorton CountyFoard County

Central Texas · 30 counties

Travis CountyWilliamson CountyBell CountyMcLennan CountyBrazos CountyTom Green CountyBastrop CountyCoryell CountyCaldwell CountyBrown CountyWashington CountyGrimes CountyMilam CountyLimestone CountyBurleson CountyGonzales CountyLee CountyFalls CountyRobertson CountyComanche CountyNolan CountyRunnels CountyHamilton CountyColeman CountyMcCulloch CountyConcho CountyCoke CountySutton CountySchleicher CountyIrion County

Hill Country · 25 counties

Bexar CountyHays CountyComal CountyGuadalupe CountyBurnet CountyMedina CountyWilson CountyKerr CountyAtascosa CountyKendall CountyVal Verde CountyGillespie CountyUvalde CountyLampasas CountyLlano CountyBandera CountyBlanco CountySan Saba CountyMills CountyKimble CountyMason CountyKinney CountyReal CountyMenard CountyEdwards County

East Texas Piney Woods · 41 counties

Smith CountyGregg CountyHunt CountyBowie CountyHenderson CountyAngelina CountyWalker CountyHarrison CountyVan Zandt CountyNacogdoches CountyAnderson CountyNavarro CountyRusk CountyPolk CountyCherokee CountyLamar CountyWood CountyUpshur CountyHopkins CountyJasper CountyTitus CountySan Jacinto CountyCass CountyShelby CountyPanola CountyHouston CountyFreestone CountyTyler CountyLeon CountyTrinity CountyMadison CountyRains CountyCamp CountyMorris CountyNewton CountyRed River CountyFranklin CountySabine CountyMarion CountySan Augustine CountyDelta County

Rio Grande Valley & South Texas · 19 counties

Hidalgo CountyCameron CountyWebb CountyStarr CountyMaverick CountyJim Wells CountyBee CountyWillacy CountyFrio CountyKarnes CountyZapata CountyLive Oak CountyDuval CountyZavala CountyDimmit CountyBrooks CountyLa Salle CountyJim Hogg CountyMcMullen County

Permian Basin · 18 counties

Midland CountyEctor CountyHoward CountyAndrews CountyPecos CountyReeves CountyWard CountyMitchell CountyWinkler CountyMartin CountyCrane CountyReagan CountyUpton CountyCrockett CountySterling CountyGlasscock CountyTerrell CountyLoving County

South Plains · 23 counties

Lubbock CountyHale CountyGaines CountyHockley CountyScurry CountyLamb CountyDawson CountyTerry CountyYoakum CountyBailey CountyLynn CountyFloyd CountyCrosby CountyGarza CountyFisher CountyCochran CountyDickens CountyCottle CountyStonewall CountyMotley CountyKent CountyBorden CountyKing County

Panhandle · 26 counties

Randall CountyPotter CountyMoore CountyGray CountyHutchinson CountyDeaf Smith CountyParmer CountyOchiltree CountyDallam CountyCastro CountySwisher CountyChildress CountyCarson CountyHansford CountyHartley CountyWheeler CountyDonley CountyHemphill CountyLipscomb CountySherman CountyHall CountyCollingsworth CountyArmstrong CountyOldham CountyBriscoe CountyRoberts County

Far West Texas & Big Bend · 6 counties

El Paso CountyBrewster CountyPresidio CountyHudspeth CountyCulberson CountyJeff Davis County

Not sure which programs reach your county?

Conventional, FHA, VA, USDA, jumbo, bank statement, DSCR and hard money — we place all of them across Texas. Send us the address and we will tell you what fits.