Mortgage Lenders and Brokers in Emory, 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
Emory, Texas mortgage lenders include The City National Bank of Sulphur SpringsThe City National Bank of Sulphur Springs711 E Lennon Dr, Emory, TX 75440A+5.0 ★Texas Ratio: 1.12%, Austin Bank, Texas National AssociationAustin Bank, Texas National Association610 W Lennon Dr, Emory, TX 75440A+5.0 ★Texas Ratio: 3.34%, Alliance BankAlliance Bank9404 Hillside Rd, Amarillo, TX 79119A+5.0 ★Texas Ratio: 4.84%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Southwest Airlines FCUSouthwest Airlines FCU801 W Euless Blvd Ste 104, Euless, TX 76040 4438, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Texas Mortgage Lending, LLCTexas Mortgage Lending, LLC900 W Bethany Dr Ste 500, Allen, TX 75013 3834A+5.0 ★Texas Ratio: 3.34%, Lone Star Credit UnionLone Star Credit Union1515 Fannin St Ste D, Columbus, TX 78934A+5.0 ★Texas Ratio: 2.03%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, and Tib, National AssociationTib, National Association11701 Luna Rd, Farmers Branch, TX 75234A+5.0 ★Texas Ratio: 3.54%. 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 Emory, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Emory 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 Emory, Texas
Market share is the lender's share of all home loans closed in Emory, 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 Emory 711 E Lennon Dr, Emory, TX 75440 A+5.0 ★Texas Ratio: 1.12% |
Conventional | 10 | 7.4% | 83.3% | $201,000 | View |
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1 office in Emory 610 W Lennon Dr, Emory, TX 75440 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 4 | 2.9% | 66.7% | $165,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 2 | 1.5% | 100% | $440,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 100% | $305,000 | View |
Southwest Airlines FCU
801 W Euless Blvd Ste 104, Euless, TX 76040 4438 |
Conventional | 1 | 0.7% | 100% | $365,000 | |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 0.7% | 100% | $545,000 | |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.7% | 100% | $245,000 | View |
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1515 Fannin St Ste D, Columbus, TX 78934 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.7% | 50% | $225,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.7% | 100% | $375,000 | View |
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11701 Luna Rd, Farmers Branch, TX 75234 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.7% | 100% | $275,000 | 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 | 0.7% | 100% | $365,000 | View |
Fort Worth Community Credit Union
2327 W Pleasant Ridge Rd, Arlington, TX 76015 4520 |
Conventional | 1 | 0.7% | 100% | $105,000 | |
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3637 N Buckner Blvd, Dallas, TX 75228 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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107 Webb St, Daingerfield, TX 75638 A5.0 ★Texas Ratio: 11.57% |
Conventional | 1 | 0.7% | 100% | $215,000 | View |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.7% | 100% | $475,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Commercial Bank of Texas, NA
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Conventional, Jumbo | 10 | 7.4% | 100% | $260,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, Jumbo | 9 | 6.6% | 100% | $448,333 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 2 | 1.5% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 100% | $345,000 | |
Countryplace Mortgage, Ltd.
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FHA | 1 | 0.7% | 25% | $245,000 | |
Integrity Mortgage Corporation of Texas
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Conventional | 1 | 0.7% | 100% | $605,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 11 | 8.1% | 91.7% | $210,454 | View |
21St Mortgage
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Conventional | 5 | 3.7% | 55.6% | $185,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 2.9% | 80% | $290,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 2.9% | 100% | $297,500 | |
Southwest Stage Funding LLC
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Conventional, VA | 4 | 2.9% | 80% | $190,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 2.9% | 66.7% | $175,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 2.2% | 55.6% | $125,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 2.2% | 75% | $221,666 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, VA | 3 | 2.2% | 100% | $311,666 | View |
Cmg Mortgage Inc
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Conventional, USDA | 3 | 2.2% | 100% | $175,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 3 | 2.2% | 100% | $245,000 | |
Mortgage Research Center
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VA | 3 | 2.2% | 60% | $335,000 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 1.5% | 66.7% | $355,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 1.5% | 100% | $140,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 1.5% | 100% | $270,000 | |
Nations Lending Corporation
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Conventional | 2 | 1.5% | 100% | $430,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 1.5% | 66.7% | $160,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.5% | 100% | $280,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.7% | 100% | $455,000 | View |
American Portfolio Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $405,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.7% | 100% | $145,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.7% | 100% | $385,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.7% | 50% | $135,000 | |
Canopy Mortgage, LLC
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VA | 1 | 0.7% | 100% | $255,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 100% | $415,000 | |
Kind Lending, LLC
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FHA | 1 | 0.7% | 100% | $385,000 | |
Platinum Eagle Mortgage, LLC
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VA | 1 | 0.7% | 100% | $305,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.7% | 100% | $345,000 | |
Bay Equity LLC
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Conventional | 1 | 0.7% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 0.7% | 100% | $85,000 | |
Nfm, Inc
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Conventional | 1 | 0.7% | 100% | $525,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $205,000 | |
Provident Funding Associates
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Conventional | 1 | 0.7% | 100% | $335,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.7% | 100% | $635,000 | View |
Towne Mortgage Company
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VA | 1 | 0.7% | 100% | $385,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.7% | 100% | $115,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.7% | 100% | $55,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.7% | 50% | $85,000 |
Emory 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 Emory, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Emory? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Emory in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Emory, TX
Use these to narrow the list above. Each category shows how many Emory, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Emory, TX
Independent mortgage companies closed 68.4 percent of home loans in Emory, Texas in 2025, banks 25.7 percent and credit unions 5.9 percent. Everett Financial, Inc. was the largest mortgage company, The City National Bank of Sulphur Springs the largest bank and Southwest Airlines FCU the largest credit union. Among lenders headquartered in Texas, The City National Bank of Sulphur Springs led with 10 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 Emory, TX
By home loans closed in 2025, The City National Bank of Sulphur Springs was the largest mortgage lender in Emory, Texas with 10 loans, about 7.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Emory, Texas in 2025, led by Ark-La-Tex Financial Services LLC with 4. 11 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 13 banks and 9 credit unions closed home loans in Emory, Texas in 2025, alongside 39 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 Emory, 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 Emory, 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 Emory. 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.
