Mortgage Lenders and Brokers in Shallowater, 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
Shallowater, Texas mortgage lenders include 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, Peoples BankPeoples Bank7200 Hillside Rd, Amarillo, TX 79109 7460A5.0 ★Texas Ratio: 7.80%, City BankCity Bank4601c Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 1.71%, First United BankFirst United Bank317 Main St, Abernathy, TX 79311A+5.0 ★Texas Ratio: 3.01%, First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%, Western BankWestern Bank2550 Buffalo Gap Rd, Abilene, TX 79605A5.0 ★Texas Ratio: 10.93%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, Amarillo National BankAmarillo National Bank1500 S Coulter St, Amarillo, TX 79106A5.0 ★Texas Ratio: 9.89%, and Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%. 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 Shallowater, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Shallowater 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 Shallowater, Texas
Market share is the lender's share of all home loans closed in Shallowater, 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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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional, FHA, HELOC | 13 +6 HELOCs |
7.8% | 100% | $319,615 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional, FHA, VA, USDA | 12 | 7.2% | 100% | $306,666 | |
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7200 Hillside Rd, Amarillo, TX 79109 7460 A5.0 ★Texas Ratio: 7.80% |
Conventional, FHA | 8 | 4.8% | 100% | $215,000 | View |
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4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71% |
Conventional, FHA | 7 | 4.2% | 87.5% | $355,000 | View |
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317 Main St, Abernathy, TX 79311 A+5.0 ★Texas Ratio: 3.01% |
Conventional, VA | 5 | 3% | 100% | $347,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional, HELOC | 2 +1 HELOCs |
1.2% | 100% | $735,000 | View |
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2550 Buffalo Gap Rd, Abilene, TX 79605 A5.0 ★Texas Ratio: 10.93% |
Conventional | 2 | 1.2% | 100% | $405,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional | 2 | 1.2% | 100% | $325,000 | View |
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1500 S Coulter St, Amarillo, TX 79106 A5.0 ★Texas Ratio: 9.89% |
VA, HELOC | 1 +6 HELOCs |
0.6% | 66.7% | $455,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 25% | $415,000 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
FHA | 1 | 0.6% | 100% | $375,000 | View |
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317 Main St, Abernathy, TX 79311 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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17855 Dallas Pkwy, Dallas, TX 75287 A5.0 ★Texas Ratio: 9.02% |
Conventional | 1 | 0.6% | 100% | $185,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
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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3910 S Treadaway Blvd, Abilene, TX 79602 A+5.0 ★Texas Ratio: 1.78% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 10 | 6% | 100% | $311,000 | |
Countryplace Mortgage, Ltd.
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Conventional | 2 | 1.2% | 33.3% | $160,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.6% | 100% | $385,000 | |
Plains Land Bank, FLCA
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Conventional | 1 | 0.6% | 100% | $565,000 | |
Nationstar Mortgage
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FHA | 1 | 0.6% | 100% | $415,000 | |
T2 Financial LLC
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Conventional, FHA, USDA | 18 | 10.8% | 100% | $300,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 4.8% | 88.9% | $332,500 | |
Residential Wholesale Mortgage
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Conventional, FHA, VA | 8 | 4.8% | 100% | $261,250 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 7 | 4.2% | 100% | $356,428 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 6 | 3.6% | 60% | $300,000 | View |
Mortgage Research Center
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VA | 6 | 3.6% | 100% | $336,666 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 3 | 1.8% | 26.1% | $148,333 | View |
21St Mortgage
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Conventional | 3 | 1.8% | 20% | $118,333 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.2% | 50% | $210,000 | |
Newrez LLC
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VA | 2 | 1.2% | 100% | $285,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1.2% | 100% | $50,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 2 | 1.2% | 100% | $200,000 | View |
Flat Branch Mortgage, Inc.
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Conventional, VA | 2 | 1.2% | 100% | $190,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 1.2% | 75% | $320,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 1.2% | 100% | $170,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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A+5.0 ★Texas Ratio: 4.98% |
VA | 1 | 0.6% | 100% | $455,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.6% | 100% | $435,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.6% | 100% | $275,000 | |
Kind Lending, LLC
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FHA | 1 | 0.6% | 33.3% | $375,000 | |
AmeriHome Mortgage Company, LLC
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VA | 1 | 0.6% | 100% | $245,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Das Acquisition Company, LLC
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VA | 1 | 0.6% | 100% | $345,000 | |
American Financing Corporation
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VA | 1 | 0.6% | 33.3% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.6% | 100% | $365,000 | |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $265,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 0.6% | 50% | $195,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $375,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,435,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.6% | 33.3% | $415,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.6% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 33.3% | $75,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,075,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.6% | 50% | $325,000 | |
Village Capital & Investment
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FHA | 1 | 0.6% | 100% | $415,000 |
Shallowater 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 Shallowater, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Shallowater? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Shallowater in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Shallowater, TX
Use these to narrow the list above. Each category shows how many Shallowater, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Shallowater, TX
Independent mortgage companies closed 63.9 percent of home loans in Shallowater, Texas in 2025, banks 19.9 percent and credit unions 16.3 percent. Ark-La-Tex Financial Services LLC was the largest mortgage company, Peoples Bank the largest bank and Alliance Credit Union the largest credit union. Among lenders headquartered in Texas, Alliance Credit Union led with 13 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 Shallowater, TX
By home loans closed in 2025, Alliance Credit Union was the largest mortgage lender in Shallowater, Texas with 13 loans, about 7.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Shallowater, Texas in 2025, led by T2 Financial LLC with 10. 16 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 17 banks and 4 credit unions closed home loans in Shallowater, Texas in 2025, alongside 38 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 Shallowater, 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 Shallowater, 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 Shallowater. 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.
