The Richardson Team has:

Extensive knowledge about Mortgage Programs for Custom Construction, Jumbo, Conventional Purchase & Refinance Loans, VA Loans, Investment Property Loans, and Home Renovation Loans.

Personalized, local service from application to funding

Over 20 years of Financial Experience

Proven results and great reviews as a Power Producer, 5 Star Mortgage Professional (2015, 2017, 2018, 2019) and a 2016 – 2019 Top 1% Mortgage Originators in America.

As your Austin mortgage lender, we prioritize providing you with the best mortgage experience with the best rates and lowest fees. We focus on responsive service, consistent communication, and being a knowledgeable resource for one of the most significant investments of your life. It shows in our mortgage customer reviews and on Yelp. I’ve also been mentioned in an article by The Wall Street Journal concerning Jumbo Mortgages.

Additionally, our VeraBank team’s goal is to provide you with a reliable and smooth mortgage loan process to close your loan on time, whether you need a condo loan, home financing, or an investment property loan. We have a highly trained staff for processing, underwriting, and funding each loan to help make this happen.

We are a local presence in Central Texas for all your home loan needs. If you live in Austin, Round Rock, Georgetown, or the surrounding areas and want to connect with an experienced home lender, we would love to speak with you. Contact us with your questions or apply now and receive my “Prompt, Reliable, “No Bull” Service” — it’s that simple!



Picture of Joel Richardson standing in front of a window.

Joel Richardson

Branch Manager and Senior Loan Officer, NMLS#: 136881

Growing up in Texas as a competitive cross-country athlete and on the Baylor University track team, Joel Richardson has always understood the value of mental toughness, self-discipline, and patience. Additionally, Joel has an MBA and over 20 years of finance experience. As a Senior Vice President, Central Texas Mortgage Manager at VeraBank, these skills have helped his business thrive. He is consistently ranked in Mortgage Executive Magazines Top 1% Mortgage Originators in the United States and is one of the top 25 loan officer originators in the Austin Business Journal 2023. He is dedicated to prompt, reliable service and keeping each client’s loan process as simple as possible. Additionally, Joel consistently demonstrates the ability to think outside the box, earning him an outstanding reputation with real estate agents and business partners. He attributes his enormous success to his well-seasoned team, who help support each client from application to funding. Joel has enjoyed being a resident of Austin for over 20 years. Outside assisting clients, he enjoys being outdoors, running, college football games, rugby, traveling, and spending time with his wife, two children, and their dogs.

Team Announcments Coming Soon!



© Joel Richardson. All Rights Reserved. | This website is operated by Joel Richardson, who is currently an employee of VeraBank, N.A. (“VeraBank”) The views expressed on this website are not necessarily those of VeraBank. This website also has its own privacy policy, which may differ from VeraBank’s privacy policy. VeraBank makes no express or implied warranty regarding the information or data on this website, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this website. Joel Richardson has sole responsibility for the information and data on this website. Deposit and loan products described on this website are offered through VeraBank, Member FDIC. To visit VeraBank’s website, here.