Mortgage Lenders and Brokers in Giddings, 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
Giddings, Texas mortgage lenders include Classic Bank, National AssociationClassic Bank, National Association825 E Austin St, Giddings, TX 78942A5.0 ★Texas Ratio: 9.09%, Round Top State BankRound Top State Bank1442 E Austin St, Giddings, TX 78942A+5.0 ★Texas Ratio: 2.14%, Citizens National BankCitizens National Bank237 S Main St, Giddings, TX 78942, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Greater Texas FCUGreater Texas FCU1425 N CENTER ST, ARLINGTON, TX 76011, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, and City BankCity Bank4601c Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 1.71%. 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 Giddings, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Giddings 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 Giddings, Texas
Market share is the lender's share of all home loans closed in Giddings, 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 Giddings 825 E Austin St, Giddings, TX 78942 A5.0 ★Texas Ratio: 9.09% |
Conventional | 5 | 6.2% | 75% | $209,000 | View |
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1442 E Austin St, Giddings, TX 78942 A+5.0 ★Texas Ratio: 2.14% |
Conventional | 4 | 4.9% | 66.7% | $155,000 | View |
Citizens National Bank
237 S Main St, Giddings, TX 78942 |
Conventional | 4 | 4.9% | 80% | $170,000 | |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $65,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 1.2% | 100% | $725,000 | |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
FHA | 1 | 1.2% | 100% | $345,000 | View |
Greater Texas FCU
1425 N CENTER ST, ARLINGTON, TX 76011 |
Conventional | 1 | 1.2% | 100% | $585,000 | |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1.2% | 50% | $245,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.2% | 100% | $145,000 | View |
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4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71% |
VA | 1 | 1.2% | 100% | $155,000 | View |
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12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Network Funding, L.P.
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FHA, VA | 2 | 2.5% | 100% | $350,000 | |
Nationstar Mortgage
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Conventional | 2 | 2.5% | 66.7% | $215,000 | |
Primelending
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Conventional | 1 | 1.2% | 50% | $485,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $445,000 | |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 1.2% | 33.3% | $75,000 | |
Directions Equity, LLC
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Conventional | 1 | 1.2% | 100% | $155,000 | |
Kangaroo Home Lending, LLC
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VA | 1 | 1.2% | 100% | $375,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 1.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $215,000 | View |
Encompass Lending Group, L.P.
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FHA | 1 | 1.2% | 100% | $315,000 | |
Gardner Financial Services
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FHA | 1 | 1.2% | 100% | $145,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 10 | 12.3% | 84.6% | $212,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 9.9% | 100% | $295,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 6 | 7.4% | 27.3% | $93,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 3.7% | 100% | $341,666 | |
Mortgage Research Center
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VA | 3 | 3.7% | 75% | $441,666 | |
21St Mortgage
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Conventional | 3 | 3.7% | 42.9% | $131,666 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA, VA | 2 | 2.5% | 100% | $320,000 | View |
Southwest Stage Funding LLC
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Conventional | 2 | 2.5% | 60% | $210,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 1.2% | 50% | $315,000 | |
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A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 1.2% | 100% | $1,125,000 | View |
Hamilton Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $485,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 1.2% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 1.2% | 50% | $65,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 1.2% | 100% | $415,000 | View |
Constant Investments, Inc
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Conventional | 1 | 1.2% | 100% | $295,000 | |
New American Funding, LLC.
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FHA | 1 | 1.2% | 50% | $265,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.2% | 33.3% | $65,000 | |
Paramount Residential Mortgage
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FHA | 1 | 1.2% | 100% | $315,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 1.2% | 27.3% | $55,000 |
Giddings 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 Giddings, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Giddings? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Giddings in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Giddings, TX
Use these to narrow the list above. Each category shows how many Giddings, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Giddings, TX
Independent mortgage companies closed 71.6 percent of home loans in Giddings, Texas in 2025, banks 25.9 percent and credit unions 2.5 percent. Everett Financial, Inc. was the largest mortgage company, Classic Bank, National Association the largest bank and Greater Texas FCU the largest credit union. Among lenders headquartered in Texas, Classic Bank, National Association led with 5 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 Giddings, TX
By home loans closed in 2025, Classic Bank, National Association was the largest mortgage lender in Giddings, Texas with 5 loans, about 6.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Giddings, Texas in 2025, led by United Wholesale Mortgage with 2. 6 lenders closed VA loans, led by Mortgage Research Center. 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. 10 banks and 3 credit unions closed home loans in Giddings, Texas in 2025, alongside 28 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 Giddings, 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 Giddings, 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 Giddings. 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.
