Mortgage Lenders and Brokers in Emerald Bay, 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
Emerald Bay, Texas mortgage lenders include Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Texas National Bank of JacksonvilleTexas National Bank of Jacksonville524 E Main St, Bullard, TX 75757A5.0 ★Texas Ratio: 12.30%, Austin Bank, Texas National AssociationAustin Bank, Texas National Association108 E Broadway St, Big Sandy, TX 75755A+5.0 ★Texas Ratio: 3.34%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Telco Plus Credit UnionTelco Plus Credit Union510 E Lantrip St, Kilgore, TX 75662A+5.0 ★Texas Ratio: 2.38%, Texas Mortgage Lending, LLCTexas Mortgage Lending, LLC900 W Bethany Dr Ste 500, Allen, TX 75013 3834A+5.0 ★Texas Ratio: 3.34%, Southside BankSouthside Bank2831 W Park Row Dr, Arlington, TX 76013A+5.0 ★Texas Ratio: 0.90%, Texas Bank and TrustTexas Bank and Trust449 S Trade Days Blvd, Canton, TX 75103A+5.0 ★Texas Ratio: 3.78%, The First National Bank of Hughes SpringsThe First National Bank of Hughes Springs220 N Louise St, Atlanta, TX 75551, and Texas BankTexas Bank2014 W White St, Anna, TX 75409A+5.0 ★Texas Ratio: 3.34%. 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 Emerald Bay, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Emerald Bay 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 Emerald Bay, Texas
Market share is the lender's share of all home loans closed in Emerald Bay, 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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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 5.2% | 100% | $521,666 | View |
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524 E Main St, Bullard, TX 75757 A5.0 ★Texas Ratio: 12.30% |
Conventional | 2 | 3.4% | 100% | $295,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 2 | 3.4% | 100% | $275,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 100% | $125,000 | View |
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510 E Lantrip St, Kilgore, TX 75662 A+5.0 ★Texas Ratio: 2.38% |
Conventional | 1 | 1.7% | 100% | $755,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 1.7% | 100% | $525,000 | View |
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2831 W Park Row Dr, Arlington, TX 76013 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 1.7% | 50% | $75,000 | View |
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449 S Trade Days Blvd, Canton, TX 75103 A+5.0 ★Texas Ratio: 3.78% |
Conventional | 1 | 1.7% | 100% | $85,000 | View |
The First National Bank of Hughes Springs
220 N Louise St, Atlanta, TX 75551 |
Conventional | 1 | 1.7% | 100% | $115,000 | |
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2014 W White St, Anna, TX 75409 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 1.7% | 100% | $355,000 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional | 1 | 1.7% | 100% | $635,000 | |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 1.7% | 100% | $155,000 | View |
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623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 1.7% | 100% | $305,000 | View |
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6401 Bell St, Amarillo, TX 79109 A+5.0 ★Texas Ratio: 2.21% |
Conventional | 1 | 1.7% | 100% | $105,000 | View |
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4100 Smith School Rd # 1, Austin, TX 78744 3205 A5.0 ★Texas Ratio: 7.07% |
Conventional | 1 | 1.7% | 100% | $205,000 | View |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 1.7% | 100% | $305,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 1.7% | 100% | $135,000 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 8.6% | 100% | $523,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 4 | 6.9% | 66.7% | $272,500 | View |
Primary Residential Mortgage, INC.
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Conventional | 4 | 6.9% | 100% | $307,500 | |
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A+5.0 ★Texas Ratio: 3.03% |
Conventional | 4 | 6.9% | 80% | $122,500 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 3.4% | 100% | $495,000 | |
Mortgage Financial Services
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Conventional, FHA | 2 | 3.4% | 100% | $230,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 1.7% | 100% | $265,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 1.7% | 100% | $245,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.7% | 100% | $475,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 1.7% | 33.3% | $85,000 | View |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1.7% | 50% | $115,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.7% | 100% | $65,000 | View |
Platinum Eagle Mortgage, LLC
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FHA | 1 | 1.7% | 50% | $145,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.7% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 1.7% | 100% | $65,000 | |
Cross Keys Bank
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Conventional | 1 | 1.7% | 100% | $225,000 | |
Mortgage Research Center
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VA | 1 | 1.7% | 100% | $645,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 1.7% | 100% | $135,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 1.7% | 100% | $475,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 1.7% | 100% | $105,000 | |
21St Mortgage
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Conventional | 1 | 1.7% | 100% | $145,000 | |
loanDepot.com LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Emerald Bay 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 Emerald Bay, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Emerald Bay? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Emerald Bay in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Emerald Bay, TX
Use these to narrow the list above. Each category shows how many Emerald Bay, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Emerald Bay, TX
Independent mortgage companies closed 55.2 percent of home loans in Emerald Bay, Texas in 2025, banks 27.6 percent and credit unions 17.2 percent. Interlinc Mortgage Services, LLC was the largest mortgage company, Bank of America NA the largest bank and Telco Plus Credit Union the largest credit union. Among lenders headquartered in Texas, Texas National Bank of Jacksonville led with 2 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 Emerald Bay, TX
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Emerald Bay, Texas with 3 loans, about 5.2 percent of the market. The largest lender headquartered in Texas was Texas National Bank of Jacksonville with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Emerald Bay, Texas in 2025, led by Rocket Mortgage with 1. 2 lenders closed VA loans, led by United Wholesale Mortgage. 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. 13 banks and 7 credit unions closed home loans in Emerald Bay, Texas in 2025, alongside 23 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 Emerald Bay, 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 Emerald Bay, 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 Emerald Bay. 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.
