Mortgage Lenders and Brokers in Flatonia, 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
Flatonia, Texas mortgage lenders include Prosperity BankProsperity Bank205 East South Main Street, Flatonia, TX 78941A+5.0 ★Texas Ratio: 1.58%, The First National Bank of BasThe First National Bank of Bas118 Highway 21 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 2.19%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Round Top State BankRound Top State Bank1442 E Austin St, Giddings, TX 78942A+5.0 ★Texas Ratio: 2.14%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Amplify Credit UnionAmplify Credit Union2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772A+5.0 ★Texas Ratio: 4.72%, Public Employees Credit UnionPublic Employees Credit Union306 E 10th St, Austin, TX 78701A+5.0 ★Texas Ratio: 1.58%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, and PNC Bank N.A.PNC Bank N.A.1049 N 3rd St Ste 100, Abilene, TX 79601A+5.0 ★Texas Ratio: 4.24%. 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 Flatonia, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flatonia 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 Flatonia, Texas
Market share is the lender's share of all home loans closed in Flatonia, 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 stars, 1 review 1 office in Flatonia 205 East South Main Street, Flatonia, TX 78941 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 1.8% | 100% | $595,000 | View |
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118 Highway 21 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 2.19% |
Conventional, Jumbo | 3 | 5.5% | 100% | $1,041,666 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 3.6% | 100% | $540,000 | View |
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1442 E Austin St, Giddings, TX 78942 A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 3.6% | 100% | $295,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.8% | 100% | $195,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 1.8% | 100% | $725,000 | |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 1.8% | 100% | $65,000 | View |
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306 E 10th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 1.8% | 100% | $105,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 1.8% | 100% | $225,000 | 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% |
Conventional | 1 | 1.8% | 100% | $305,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 1 | 1.8% | 50% | $215,000 | View |
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319 W Slaughter Ln, Austin, TX 78748 A+5.0 ★Texas Ratio: 3.90% |
Conventional | 1 | 1.8% | 100% | $55,000 | View |
First National Bank of Shiner
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Conventional | 3 | 5.5% | 60% | $298,333 | |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 1.8% | 100% | $195,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 6 | 10.9% | 66.7% | $348,333 | View |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 4 | 7.3% | 100% | $620,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 3 | 5.5% | 75% | $295,000 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 5.5% | 100% | $631,666 | |
21St Mortgage
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Conventional | 3 | 5.5% | 42.9% | $108,333 | |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 3.6% | 100% | $115,000 | |
New American Funding, LLC.
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Conventional | 2 | 3.6% | 100% | $190,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 3.6% | 100% | $390,000 | View |
Cadence Bank
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Conventional | 1 | 1.8% | 50% | $405,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 1.8% | 100% | $215,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.8% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.8% | 100% | $545,000 | View |
New Fed Mortgage Corp.
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FHA | 1 | 1.8% | 100% | $355,000 | |
Summit Funding.Inc
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Conventional | 1 | 1.8% | 100% | $375,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 1.8% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.8% | 100% | $105,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 1.8% | 100% | $165,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 1.8% | 100% | $405,000 |
Flatonia 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 Flatonia, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Flatonia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flatonia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flatonia, TX
Use these to narrow the list above. Each category shows how many Flatonia, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Flatonia, TX
Independent mortgage companies closed 60 percent of home loans in Flatonia, Texas in 2025, banks 29.1 percent and credit unions 10.9 percent. Everett Financial, Inc. was the largest mortgage company, Prosperity Bank the largest bank and Tdecu the largest credit union. Among lenders headquartered in Texas, Prosperity Bank led with 1 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 Flatonia, TX
By home loans closed in 2025, Prosperity Bank was the largest mortgage lender in Flatonia, Texas with 1 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Flatonia, Texas in 2025, led by United Wholesale Mortgage with 1. 3 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. 9 banks and 6 credit unions closed home loans in Flatonia, Texas in 2025, alongside 17 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 Flatonia, 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 Flatonia, 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 Flatonia. 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.
