Mortgage Lenders and Brokers in Tom Bean, 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
Tom Bean, Texas mortgage lenders include The First National Bank of Tom BeanThe First National Bank of Tom Bean109 S Britton St, Tom Bean, TX 75489, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Community National Bank & Trust of TexasCommunity National Bank & Trust of Texas2109 N Center St, Bonham, TX 75418A+5.0 ★Texas Ratio: 2.19%, 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, First BankFirst Bank900 Bailey Ranch Rd, Aledo, TX 76008A5.0 ★Texas Ratio: 6.67%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, and Southstate Bank, National AssociationSouthstate Bank, National Association3301 Fall Creek Hwy, Acton, TX 76049A+5.0 ★Texas Ratio: 2.27%. 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 Tom Bean, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Tom Bean 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 Tom Bean, Texas
Market share is the lender's share of all home loans closed in Tom Bean, 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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The First National Bank of Tom Bean
109 S Britton St, Tom Bean, TX 75489 |
Conventional | 4 | 2.6% | 100% | $200,000 | |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 4 +1 HELOCs |
2.6% | 80% | $560,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 3 | 1.9% | 75% | $435,000 | View |
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2109 N Center St, Bonham, TX 75418 A+5.0 ★Texas Ratio: 2.19% |
Conventional | 3 | 1.9% | 100% | $535,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 1.3% | 100% | $1,310,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 2 | 1.3% | 100% | $430,000 | |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional, FHA | 2 | 1.3% | 100% | $480,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 1.3% | 100% | $405,000 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, VA, Jumbo | 2 | 1.3% | 100% | $765,000 | View |
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★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 1.3% | 100% | $285,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
Conventional, Jumbo | 2 | 1.3% | 100% | $680,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +2 HELOCs |
0.6% | 100% | $425,000 | View |
Southwest Airlines FCU
801 W Euless Blvd Ste 104, Euless, TX 76040 4438 |
Conventional | 1 | 0.6% | 100% | $125,000 | |
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110 Franklin Street, Alvord, TX 76225 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.6% | 100% | $465,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional, Jumbo | 1 | 0.6% | 100% | $885,000 | View |
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2831 W Park Row Dr, Arlington, TX 76013 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.6% | 100% | $715,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional | 1 | 0.6% | 100% | $665,000 | View |
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1312 Washington St, Commerce, TX 75428 A+5.0 ★Texas Ratio: 1.84% |
Conventional | 1 | 0.6% | 100% | $345,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $725,000 | View |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.6% | 100% | $415,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
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 | |
Highlands Residential Mortgage, Ltd.
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Conventional, VA | 4 | 2.6% | 80% | $677,500 | |
DHI Mortgage Company, LTD.
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Conventional, FHA | 4 | 2.6% | 80% | $250,000 | |
Integrity Mortgage Corporation of Texas
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Conventional, FHA | 2 | 1.3% | 100% | $280,000 | |
Sfmc, LP
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Conventional | 1 | 0.6% | 100% | $805,000 | |
Gsb Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $615,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 18 | 11.7% | 90.5% | $297,777 | View |
K. Hovnanian American Mortgage
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Conventional, FHA, VA | 14 | 9.1% | 93.3% | $325,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 11 | 7.1% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 9 | 5.8% | 100% | $321,666 | View |
Cadence Bank
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Conventional, Jumbo, HELOC | 5 +2 HELOCs |
3.2% | 55.6% | $787,000 | |
21St Mortgage
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Conventional | 4 | 2.6% | 80% | $107,500 | |
Newrez LLC
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Conventional, VA | 3 | 1.9% | 75% | $381,666 | |
loanDepot.com LLC
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Conventional, USDA | 3 | 1.9% | 75% | $138,333 | |
Freedom Mortgage Corporation
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Conventional, VA | 2 | 1.3% | 100% | $445,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.3% | 100% | $280,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 1.3% | 100% | $505,000 | |
Zillow Home Loans, LLC
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FHA, VA | 2 | 1.3% | 100% | $285,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $365,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
Guaranteed Rate Affinity, LLC
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VA, Jumbo | 1 | 0.6% | 100% | $835,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
5Th Sreet Capital Inc.
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Conventional, Jumbo | 1 | 0.6% | 100% | $955,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.6% | 100% | $325,000 | |
American Financial Network, Inc.
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VA | 1 | 0.6% | 100% | $265,000 | |
FirstTrust Home Loans
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FHA | 1 | 0.6% | 100% | $215,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.6% | 100% | $245,000 | |
Strong Home Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $375,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.6% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.98% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $145,000 | |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $295,000 | |
Fay Servicing LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,215,000 | |
Hometown Equity Mortgage, LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $845,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.6% | 100% | $635,000 | |
Great Plains National Bank
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,255,000 | |
Mortgage Research Center
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VA | 1 | 0.6% | 100% | $225,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $445,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.6% | 100% | $535,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 100% | $335,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.6% | 100% | $355,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.6% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.6% | 50% | $245,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.6% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.6% | 100% | $765,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $525,000 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.6% | 100% | $735,000 | View |
Village Capital & Investment
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VA | 1 | 0.6% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Tom Bean 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 Tom Bean, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Tom Bean? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Tom Bean in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Tom Bean, TX
Use these to narrow the list above. Each category shows how many Tom Bean, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Tom Bean, TX
Independent mortgage companies closed 68.8 percent of home loans in Tom Bean, Texas in 2025, banks 26.6 percent and credit unions 4.5 percent. Everett Financial, Inc. was the largest mortgage company, The First National Bank of Tom Bean the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, The First National Bank of Tom Bean led with 4 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 Tom Bean, TX
By home loans closed in 2025, The First National Bank of Tom Bean was the largest mortgage lender in Tom Bean, Texas with 4 loans, about 2.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Tom Bean, Texas in 2025, led by K. Hovnanian American Mortgage with 4. 16 lenders closed VA loans, led by Highlands Residential Mortgage, Ltd., and 1 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. 25 banks and 6 credit unions closed home loans in Tom Bean, Texas in 2025, alongside 40 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 Tom Bean, 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 Tom Bean, 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 Tom Bean. 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.
