Mortgage Lenders and Brokers in Bells, 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
Bells, Texas mortgage lenders include First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Ameristate BankAmeristate Bank695 E Fm 120, Pottsboro, TX 75076A5.0 ★Texas Ratio: 9.93%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, First State BankFirst State Bank433 S Preston Rd, Celina, TX 75009A5.0 ★Texas Ratio: 7.77%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Texas BankTexas Bank2014 W White St, Anna, TX 75409A+5.0 ★Texas Ratio: 3.34%, The First National Bank of Tom BeanThe First National Bank of Tom Bean2203 W Main St, Clarksville, TX 75426, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, and The City National Bank of Sulphur SpringsThe City National Bank of Sulphur Springs101 W Main St, Atlanta, TX 75551A+5.0 ★Texas Ratio: 1.12%. 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 Bells, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bells 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 Bells, Texas
Market share is the lender's share of all home loans closed in Bells, 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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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, VA, HELOC | 5 +1 HELOCs |
4.8% | 100% | $409,000 | View |
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695 E Fm 120, Pottsboro, TX 75076 A5.0 ★Texas Ratio: 9.93% |
Conventional | 5 | 4.8% | 100% | $139,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 3 | 2.9% | 100% | $211,666 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
FHA | 3 | 2.9% | 100% | $275,000 | View |
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433 S Preston Rd, Celina, TX 75009 A5.0 ★Texas Ratio: 7.77% |
Conventional | 2 | 1.9% | 100% | $285,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.9% | 66.7% | $220,000 | View |
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2014 W White St, Anna, TX 75409 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 2 | 1.9% | 100% | $330,000 | View |
The First National Bank of Tom Bean
2203 W Main St, Clarksville, TX 75426 |
Conventional | 2 | 1.9% | 100% | $270,000 | |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1% | 100% | $225,000 | View |
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101 W Main St, Atlanta, TX 75551 A+5.0 ★Texas Ratio: 1.12% |
Conventional | 1 | 1% | 100% | $325,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA | 1 | 1% | 100% | $265,000 | |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 1% | 100% | $365,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional | 1 | 1% | 100% | $35,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 1% | 100% | $205,000 | View |
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★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 1% | 100% | $245,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 1% | 100% | $395,000 | View |
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406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 1% | 33.3% | $105,000 | View |
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100 E Woodland St, Collinsville, TX 76233 A+5.0 ★Texas Ratio: 0.34% |
Conventional | 1 | 1% | 100% | $305,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 1% | 100% | $255,000 | |
Loanpeople, LLC
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VA | 1 | 1% | 100% | $775,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 11 | 10.5% | 92.9% | $274,090 | View |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 8 | 7.6% | 71.4% | $383,750 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 7 | 6.7% | 100% | $442,142 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 4 | 3.8% | 100% | $340,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 2.9% | 100% | $408,333 | |
loanDepot.com LLC
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Conventional | 3 | 2.9% | 100% | $235,000 | |
21St Mortgage
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Conventional | 3 | 2.9% | 37.5% | $168,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1.9% | 100% | $585,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1.9% | 100% | $125,000 | |
Great Plains National Bank
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Conventional, VA | 2 | 1.9% | 100% | $380,000 | |
Mortgage Research Center
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FHA, VA | 2 | 1.9% | 40% | $355,000 | |
Zillow Home Loans, LLC
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Conventional, VA | 2 | 1.9% | 100% | $375,000 | |
New American Funding, LLC.
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Conventional | 2 | 1.9% | 66.7% | $290,000 | |
Cadence Bank
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Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $355,000 | |
American Financial Resources LLC
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Conventional | 1 | 1% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1% | 100% | $135,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 1% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 1% | 100% | $275,000 | View |
Nqm Funding, LLC
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Conventional | 1 | 1% | 100% | $285,000 | |
United Built Homes, LLC
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Conventional | 1 | 1% | 100% | $285,000 | |
FirstTrust Home Loans
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Conventional | 1 | 1% | 100% | $355,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 1% | 100% | $425,000 | |
Mortgage Financial Services
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FHA | 1 | 1% | 100% | $305,000 | |
Strong Home Mortgage, LLC
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FHA | 1 | 1% | 100% | $315,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1% | 100% | $355,000 | |
Stg Mortgage Inc
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Conventional | 1 | 1% | 100% | $295,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1% | 50% | $455,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 1% | 66.7% | $85,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1% | 100% | $225,000 | |
Village Capital & Investment
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VA | 1 | 1% | 100% | $385,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bells 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 Bells, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Bells? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bells in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bells, TX
Use these to narrow the list above. Each category shows how many Bells, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Bells, TX
Independent mortgage companies closed 64.8 percent of home loans in Bells, Texas in 2025, banks 32.4 percent and credit unions 2.9 percent. Everett Financial, Inc. was the largest mortgage company, First United Bank and Trust Co the largest bank and Eecu the largest credit union. Among lenders headquartered in Texas, American National Bank & Trust led with 3 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 Bells, TX
By home loans closed in 2025, First United Bank and Trust Co was the largest mortgage lender in Bells, Texas with 5 loans, about 4.8 percent of the market. The largest lender headquartered in Texas was American National Bank & Trust with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Bells, Texas in 2025, led by American National Bank & Trust with 3. 8 lenders closed VA loans, led by First United Bank and Trust Co. 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. 17 banks and 4 credit unions closed home loans in Bells, Texas in 2025, alongside 32 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 Bells, 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 Bells, 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 Bells. 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.
