Mortgage Lenders and Brokers in Idalou, 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
Idalou, Texas mortgage lenders include City BankCity Bank304 W 1st St, Idalou, TX 79329A+5.0 ★Texas Ratio: 1.71%, First United BankFirst United Bank930 Frontage Rd, Idalou, TX 79329A+5.0 ★Texas Ratio: 3.01%, Alliance Credit UnionAlliance Credit Union9404 Hillside Rd, Amarillo, TX 79119A+5.0 ★Texas Ratio: 4.84%, Texas Tech Federal Credit UnionTexas Tech Federal Credit Union4001 Catclaw Dr, Abilene, TX 79606, Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%, Amarillo National BankAmarillo National Bank1500 S Coulter St, Amarillo, TX 79106A5.0 ★Texas Ratio: 9.89%, Western BankWestern Bank2550 Buffalo Gap Rd, Abilene, TX 79605A5.0 ★Texas Ratio: 10.93%, Peoples BankPeoples Bank7200 Hillside Rd, Amarillo, TX 79109 7460A5.0 ★Texas Ratio: 7.80%, First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%, and Citizens State BankCitizens State Bank224 N Main St, Anton, TX 79313. 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 Idalou, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Idalou 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 Idalou, Texas
Market share is the lender's share of all home loans closed in Idalou, 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 Idalou 304 W 1st St, Idalou, TX 79329 A+5.0 ★Texas Ratio: 1.71% |
Conventional | 6 | 7.7% | 75% | $288,333 | View |
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1 office in Idalou 930 Frontage Rd, Idalou, TX 79329 A+5.0 ★Texas Ratio: 3.01% |
Conventional, FHA | 4 | 5.1% | 100% | $137,500 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional, FHA, USDA | 4 | 5.1% | 100% | $310,000 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional, FHA | 4 | 5.1% | 100% | $330,000 | |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 2 | 2.6% | 50% | $180,000 | View |
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1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $335,000 | View |
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2550 Buffalo Gap Rd, Abilene, TX 79605 A5.0 ★Texas Ratio: 10.93% |
Conventional | 1 | 1.3% | 100% | $295,000 | View |
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7200 Hillside Rd, Amarillo, TX 79109 7460 A5.0 ★Texas Ratio: 7.80% |
Conventional | 1 | 1.3% | 100% | $125,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 1.3% | 100% | $225,000 | View |
Citizens State Bank
224 N Main St, Anton, TX 79313 |
Conventional | 1 | 1.3% | 100% | $75,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 5 | 6.4% | 100% | $331,000 | |
Nationstar Mortgage
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Conventional | 3 | 3.8% | 100% | $141,666 | |
Click n' Close, Inc.
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FHA | 1 | 1.3% | 100% | $355,000 | |
T2 Financial LLC
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Conventional, FHA, VA | 9 | 11.5% | 100% | $357,222 | |
United Wholesale Mortgage
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Conventional, VA | 6 | 7.7% | 100% | $458,333 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 6 | 7.7% | 66.7% | $328,333 | View |
Cardinal Financial Company, Li
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Conventional, FHA | 5 | 6.4% | 100% | $233,000 | |
Residential Wholesale Mortgage
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Conventional, FHA | 3 | 3.8% | 100% | $205,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 2.6% | 100% | $185,000 | |
Flat Branch Mortgage, Inc.
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Conventional | 2 | 2.6% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 1.3% | 100% | $355,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.3% | 100% | $385,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 1.3% | 100% | $465,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $315,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
USDA | 1 | 1.3% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 1.3% | 100% | $275,000 | View |
Discover Bank
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Conventional | 1 | 1.3% | 50% | $55,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.3% | 100% | $405,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.3% | 100% | $65,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 1.3% | 100% | $435,000 | View |
Idalou 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 Idalou, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Idalou? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Idalou in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Idalou, TX
Use these to narrow the list above. Each category shows how many Idalou, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Idalou, TX
Independent mortgage companies closed 61.5 percent of home loans in Idalou, Texas in 2025, banks 26.9 percent and credit unions 11.5 percent. Ark-La-Tex Financial Services LLC was the largest mortgage company, City Bank the largest bank and Alliance Credit Union the largest credit union. Among lenders headquartered in Texas, City Bank led with 6 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 Idalou, TX
By home loans closed in 2025, City Bank was the largest mortgage lender in Idalou, Texas with 6 loans, about 7.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Idalou, Texas in 2025, led by Cardinal Financial Company, Li with 3. 2 lenders closed VA loans, led by United Wholesale Mortgage, and 2 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. 12 banks and 3 credit unions closed home loans in Idalou, Texas in 2025, alongside 16 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 Idalou, 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 Idalou, 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 Idalou. 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.
