Mortgage Lenders and Brokers in Athens, 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
Athens, Texas mortgage lenders include First State BankFirst State Bank202 S Palestine St, Athens, TX 75751A+5.0 ★Texas Ratio: 4.58%, Prosperity BankProsperity Bank617 S Palestine St, Athens, TX 75751A+5.0 ★Texas Ratio: 1.58%, Simmons BankSimmons Bank713 E Tyler St, Athens, TX 75751A+5.0 ★Texas Ratio: 5.33%, Texas Trust Credit UnionTexas Trust Credit Union808 S Palestine St, Athens, TX 75751 3428A5.0 ★Texas Ratio: 6.31%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, Southwestern National BankSouthwestern National Bank11220 N Lamar Blvd, Austin, TX 78753A+5.0 ★Texas Ratio: 2.90%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Susser BankSusser Bank2326 W Pleasant Ridge Rd, Arlington, TX 76015A+5.0 ★Texas Ratio: 3.02%, and Verabank,N.A.Verabank,N.A.739 E Tyler St, Athens, TX 75751A+5.0 ★Texas Ratio: 5.54%. 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 Athens, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Athens 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 Athens, Texas
Market share is the lender's share of all home loans closed in Athens, 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 Athens 202 S Palestine St, Athens, TX 75751 A+5.0 ★Texas Ratio: 4.58% |
Conventional, Jumbo | 25 | 9.1% | 100% | $269,800 | View |
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★ 1 stars, 1 review 2 offices in Athens 617 S Palestine St, Athens, TX 75751 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 6 | 2.2% | 60% | $203,333 | View |
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1 office in Athens 713 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.33% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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808 S Palestine St, Athens, TX 75751 3428 A5.0 ★Texas Ratio: 6.31% |
Conventional | 13 | 4.7% | 100% | $147,307 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 4 +2 HELOCs |
1.5% | 100% | $412,500 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $95,000 | View |
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11220 N Lamar Blvd, Austin, TX 78753 A+5.0 ★Texas Ratio: 2.90% |
Conventional | 2 | 0.7% | 100% | $280,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.7% | 100% | $185,000 | View |
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2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 2 | 0.7% | 100% | $220,000 | View |
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739 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 2 | 0.7% | 75% | $435,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
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★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
Veritex Community Bank
3800 Matlock Rd, Arlington, TX 76015 |
Conventional | 1 | 0.4% | 100% | $755,000 | |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
FHA | 1 | 0.4% | 100% | $245,000 | View |
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306 E 10th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.4% | 100% | $505,000 | View |
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247 W Davis St, Dallas, TX 75208 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 0.4% | 50% | $585,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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524 E Main St, Bullard, TX 75757 A5.0 ★Texas Ratio: 12.30% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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★ 5 stars, 1 review 10901 W Highway 290, Austin, TX 78736 A5.0 ★Texas Ratio: 7.03% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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3500 Crawford Avenue, Austin, TX 78703 A+5.0 ★Texas Ratio: 1.39% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,305,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.4% | 100% | $445,000 | View |
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107 N Phillips St, Bullard, TX 75757 A5.0 ★Texas Ratio: 6.23% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
FHA | 1 | 0.4% | 100% | $195,000 | View |
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1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
FHA | 1 | 0.4% | 100% | $295,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 3 | 1.1% | 100% | $255,000 | |
Integrity Mortgage Corporation of Texas
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Conventional, VA | 2 | 0.7% | 100% | $165,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.7% | 100% | $190,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.7% | 66.7% | $130,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Primelending
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FHA | 1 | 0.4% | 100% | $215,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Willow Bend Mortgage Company, LLC
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FHA | 1 | 0.4% | 100% | $325,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.4% | 40% | $95,000 | |
Loanpeople, LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
Right Start Mortgage, Inc
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VA | 1 | 0.4% | 100% | $95,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 24 | 8.8% | 77.4% | $212,500 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 14 | 5.1% | 93.3% | $272,857 | |
loanDepot.com LLC
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Conventional, FHA, VA | 10 | 3.6% | 100% | $223,000 | |
Cmg Mortgage Inc
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Conventional, FHA, Jumbo | 10 | 3.6% | 100% | $381,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 3.3% | 81.8% | $263,888 | |
Mortgage Research Center
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VA | 9 | 3.3% | 81.8% | $278,333 | |
21St Mortgage
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Conventional | 7 | 2.6% | 26.9% | $100,714 | |
CrossCountry Mortgage, LLC
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Conventional, VA, Jumbo | 6 | 2.2% | 100% | $403,333 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 5 | 1.8% | 100% | $207,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 1.8% | 33.3% | $109,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.5% | 80% | $195,000 | |
Guaranteed Rate, Inc.
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Conventional, USDA | 3 | 1.1% | 100% | $211,666 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 1.1% | 100% | $138,333 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 1.1% | 45.5% | $155,000 | View |
Union Home Mortgage Corp.
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FHA, USDA | 3 | 1.1% | 100% | $218,333 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 1.1% | 100% | $108,333 | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 1.1% | 75% | $385,000 | |
Southwest Stage Funding LLC
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Conventional | 3 | 1.1% | 100% | $181,666 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.7% | 100% | $975,000 | View |
Freedom Mortgage Corporation
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FHA | 2 | 0.7% | 100% | $345,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.7% | 100% | $255,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $205,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 0.7% | 100% | $380,000 | View |
United Built Homes, LLC
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Conventional | 2 | 0.7% | 50% | $340,000 | |
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A+5.0 ★Texas Ratio: 3.03% |
Conventional | 2 | 0.7% | 66.7% | $260,000 | View |
Better Mortgage Corporation
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Conventional, VA | 2 | 0.7% | 100% | $290,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 0.7% | 100% | $110,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.7% | 50% | $180,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.7% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.4% | 100% | $665,000 | View |
Originpoint, LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
American Portfolio Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
American Financial Resources LLC
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VA | 1 | 0.4% | 100% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $195,000 | |
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B+4.7 ★Texas Ratio: 18.69% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.4% | 50% | $245,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 50% | $135,000 | |
Hamilton Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $215,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.4% | 50% | $195,000 | View |
Synergy One Lending, Inc.
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VA | 1 | 0.4% | 100% | $205,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
PFN Lending Group, Inc.
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Conventional | 1 | 0.4% | 100% | $685,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.4% | 100% | $195,000 | |
Mortgage Financial Services
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $365,000 | |
Midwest Mortgage Associates Corp
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FHA | 1 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 0.4% | 100% | $25,000 | |
Loanleaders of America, Inc
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.4% | 100% | $635,000 | View |
Nations Lending Corporation
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FHA | 1 | 0.4% | 100% | $115,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $295,000 | |
Member First Mortgage, LLC
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VA | 1 | 0.4% | 100% | $695,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $415,000 | View |
Mortgage Solutions of Colorado
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Conventional | 1 | 0.4% | 100% | $65,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.4% | 100% | $1,595,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.4% | 100% | $235,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $555,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Empeople Credit Union
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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 |
Athens 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 Athens, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Athens? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Athens in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Athens, TX
Use these to narrow the list above. Each category shows how many Athens, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Athens, TX
Independent mortgage companies closed 66.8 percent of home loans in Athens, Texas in 2025, banks 24.8 percent and credit unions 8.4 percent. Ark-La-Tex Financial Services LLC was the largest mortgage company, First State Bank the largest bank and Texas Trust Credit Union the largest credit union. Among lenders headquartered in Texas, First State Bank led with 25 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 Athens, TX
By home loans closed in 2025, First State Bank was the largest mortgage lender in Athens, Texas with 25 loans, about 9.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Athens, Texas in 2025, led by Fairway Independent Mort Corp with 6. 15 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 31 banks and 12 credit unions closed home loans in Athens, Texas in 2025, alongside 66 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 Athens, 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 Athens, 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 Athens. 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.
