Home About Us Melissa Mitchell

Meet Melissa Mitchell

SVP Mortgage Lending

NMLS ID: 525091

Serving Wise and Surrounding Counties

1706 S FM 51
Decatur, TX 76234

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I’ve been a Decatur resident and mortgage lender since 1998, serving Legend Bank customers since 2006. I’ve enjoyed helping customers in Wise County and the surrounding area with home loans. I take pride in providing honest, straightforward and prompt service. My customer’s best interests is always my top priority.

I take time to listen and guide you every step of the way. When I have a conversation with a borrower, I want them to walk away with more knowledge about the lending process than what they started with. I specialize in:

  • Lot/Land loans
  • Construction
  • Purchase
  • Refinance

I would love to be your Hometown Lender. At Legend Bank our service philosophy is built on staying connected with our customers and communities and seeing serving others as a privilege. Our commitment is strong in the small towns we serve, which aligns with my desire to serve our rural communities.

Enjoy the legendary service that makes us the go-to for homebuyers in our communities.

Whether you’re planning to buy, build, or refinance, we’re here to support you every step of the way. We offer a variety of mortgage solutions tailored to fit your needs—from purchasing a home or land to construction and refinancing options.
*Credit score and other requirements must be met. Rates and terms may vary. Mortgage insurance may be required.

Buying a Home without 20% Down Is More Common than You Think

Thinking you need a 20% down payment to purchase a home? Think again! While putting 20% down can lower your monthly mortgage payments and help you avoid private mortgage insurance (PMI), many buyers qualify with much less.
In this video, Melissa explains the different loan options available and how some require a lower down payment. Explore your options and take the next step toward homeownership.

You will be linking to another website not owned or operated by Legend Bank. Legend Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We encourage you to review their privacy and security policies which may differ from Legend Bank.

Making Homeownership More Accessible through Assistance Programs

Saving for a down payment can be one of the biggest challenges of buying a home, but did you know there are programs designed to help?

In this Mortgage Minute video, Melissa talks about down payment assistance and how it can help make homeownership more accessible.

What My Customers Are Saying

Building our retirement home in Paradise Texas has been a dream come true! The personal attention Melissa provided was the key factor in our choosing Legend Bank. From the beginning, and throughout the entire build process, Melissa has been a phone call away, responding within ten minutes of each call/text, with exceptional knowledge, even above and beyond normal questions. We can confidently and highly recommend Legend Bank and Melissa Mitchell for your home building process!

Rick & Janna A.

We just wanted to take a moment to express our sincere gratitude for all of Melissa’s help and guidance throughout our first-time home building journey. As first-time builders, we were a bit overwhelmed at the beginning, but she made the entire process so much easier and more comfortable for us.

Tanner & Blakely F.