Mortgage Lenders and Brokers in Kempner, 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
Kempner, Texas mortgage lenders include First National Bank TexasFirst National Bank Texas2701 E Main St, Alice, TX 78332A4.7 ★Texas Ratio: 3.20%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Spark Mortgage, LLCSpark Mortgage, LLC3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Extraco Banks, NAExtraco Banks, NA2000 N Main St, Belton, TX 76513A+5.0 ★Texas Ratio: 0.26%, First Texas BankFirst Texas Bank100 N Key Ave, Lampasas, TX 76550A+5.0 ★Texas Ratio: 0.00%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, First Central Credit UnionFirst Central Credit Union1602 Austin Ave, Brownwood, TX 76801 3653A5.0 ★Texas Ratio: 6.12%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, and Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%. 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 Kempner, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kempner 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 Kempner, Texas
Market share is the lender's share of all home loans closed in Kempner, 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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2701 E Main St, Alice, TX 78332 A4.7 ★Texas Ratio: 3.20% |
Conventional, FHA, VA | 14 | 4.7% | 93.3% | $311,428 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
VA | 8 | 2.7% | 100% | $303,750 | View |
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3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
Conventional, VA | 4 | 1.3% | 100% | $225,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1% | 100% | $238,333 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
Conventional, VA | 2 | 0.7% | 40% | $275,000 | View |
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100 N Key Ave, Lampasas, TX 76550 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.7% | 75% | $170,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA | 1 | 0.3% | 100% | $275,000 | |
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1602 Austin Ave, Brownwood, TX 76801 3653 A5.0 ★Texas Ratio: 6.12% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $465,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.3% | 50% | $145,000 | View |
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416 Lake Rd, Belton, TX 76513 A+5.0 ★Texas Ratio: 3.98% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.3% | 33.3% | $535,000 | View |
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300 E 1st Ave, Belton, TX 76513 A+5.0 ★Texas Ratio: 5.87% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
FHA | 1 | 0.3% | 100% | $255,000 | View |
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1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Kangaroo Home Lending, LLC
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FHA, VA | 9 | 3% | 100% | $278,333 | |
DHI Mortgage Company, LTD.
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FHA, VA | 6 | 2% | 66.7% | $306,666 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA | 5 | 1.7% | 100% | $213,000 | |
First Continental Mortgage, Ltd.
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VA | 3 | 1% | 100% | $231,666 | |
Nationstar Mortgage
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Conventional, VA | 2 | 0.7% | 66.7% | $245,000 | |
Primelending
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VA | 1 | 0.3% | 100% | $255,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 47 | 15.8% | 84.2% | $278,404 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, USDA | 22 | 7.4% | 100% | $350,909 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 6.7% | 96.2% | $358,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 19 | 6.4% | 74.1% | $240,789 | View |
Mortgage Research Center
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VA | 11 | 3.7% | 66.7% | $315,909 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 10 | 3.4% | 100% | $267,000 | |
Freedom Mortgage Corporation
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VA | 8 | 2.7% | 100% | $435,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 8 | 2.7% | 72.7% | $263,750 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 8 | 2.7% | 61.5% | $95,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.4% | 80% | $256,428 | |
Leaderone Financial Corp.
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FHA, VA | 7 | 2.4% | 100% | $372,142 | |
Cadence Bank
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Conventional, VA, HELOC | 6 +2 HELOCs |
2% | 66.7% | $473,333 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 5 | 1.7% | 100% | $217,000 | View |
New American Funding, LLC.
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Conventional, VA | 5 | 1.7% | 71.4% | $331,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 1.3% | 55.6% | $265,000 | |
Newrez LLC
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Conventional, VA | 4 | 1.3% | 80% | $282,500 | |
Mortgage Solutions of Colorado
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VA | 4 | 1.3% | 100% | $335,000 | |
loanDepot.com LLC
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Conventional | 3 | 1% | 60% | $215,000 | |
21St Mortgage
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Conventional | 3 | 1% | 37.5% | $168,333 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 0.7% | 100% | $110,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, VA | 2 | 0.7% | 100% | $340,000 | View |
American Financial Network, Inc.
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VA | 2 | 0.7% | 100% | $360,000 | |
Southwest Stage Funding LLC
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Conventional, FHA | 2 | 0.7% | 100% | $255,000 | |
Guaranteed Rate, Inc.
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $305,000 | View |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.3% | 100% | $295,000 | |
Residential Wholesale Mortgage
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VA | 1 | 0.3% | 100% | $425,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $115,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.3% | 50% | $585,000 | |
ALCOVA Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $305,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
VA | 1 | 0.3% | 100% | $255,000 | View |
Discover Bank
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Conventional | 1 | 0.3% | 25% | $195,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 0.3% | 100% | $335,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.3% | 100% | $275,000 | |
Wolfe Financial Inc
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VA | 1 | 0.3% | 100% | $385,000 | |
American Pacific Mortgage Corporation
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VA | 1 | 0.3% | 100% | $305,000 | |
State Departmenet Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $575,000 | View |
Vista Point Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 100% | $365,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Kempner 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 Kempner, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Kempner? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kempner in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kempner, TX
Use these to narrow the list above. Each category shows how many Kempner, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Kempner, TX
Independent mortgage companies closed 80.5 percent of home loans in Kempner, Texas in 2025, banks 15.5 percent and credit unions 4 percent. Spark Mortgage, LLC was the largest mortgage company, First National Bank Texas the largest bank and First Central Credit Union the largest credit union. Among lenders headquartered in Texas, First National Bank Texas led with 14 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 Kempner, TX
By home loans closed in 2025, First National Bank Texas was the largest mortgage lender in Kempner, Texas with 14 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Kempner, Texas in 2025, led by Fairway Independent Mort Corp with 4. 40 lenders closed VA loans, led by Lennar Mortgage, LLC, 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. 20 banks and 6 credit unions closed home loans in Kempner, Texas in 2025, alongside 44 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 Kempner, 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 Kempner, 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 Kempner. 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.
