Mortgage Lenders and Brokers in Tool, Texas
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Tool, Texas mortgage lenders include Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, First State BankFirst State Bank202 S Palestine St, Athens, TX 75751A+5.0 ★Texas Ratio: 4.58%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Benchmark BankBenchmark Bank3500 Crawford Avenue, Austin, TX 78703A+5.0 ★Texas Ratio: 1.39%, Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Texas Republic Bank, N.A.Texas Republic Bank, N.A.1212 S Preston Rd, Celina, TX 75009A5.0 ★Texas Ratio: 8.17%, Regions BankRegions Bank1337 W Mcdermott Dr, Allen, TX 75013A+5.0 ★Texas Ratio: 4.37%, and First National Bank of Central TexasFirst National Bank of Central Texas1645 Greens Prairie Rd W, College Station, TX 77845A+5.0 ★Texas Ratio: 0.97%. 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 Tool, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Tool 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 Tool, Texas
Market share is the lender's share of all home loans closed in Tool, 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 |
|---|---|---|---|---|---|---|
|
2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +1 HELOCs |
1.9% | 100% | $448,333 | View |
|
3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.9% | 75% | $358,333 | View |
|
202 S Palestine St, Athens, TX 75751 A+5.0 ★Texas Ratio: 4.58% |
Conventional | 2 | 1.3% | 66.7% | $380,000 | View |
|
3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.3% | 50% | $275,000 | View |
|
3500 Crawford Avenue, Austin, TX 78703 A+5.0 ★Texas Ratio: 1.39% |
Conventional, Jumbo | 2 | 1.3% | 100% | $680,000 | View |
|
★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional, Jumbo | 2 | 1.3% | 25% | $1,530,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 0.6% | 50% | $205,000 | |
|
1212 S Preston Rd, Celina, TX 75009 A5.0 ★Texas Ratio: 8.17% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
|
1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.6% | 50% | $305,000 | View |
|
1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 1 | 0.6% | 100% | $545,000 | View |
|
12900 Preston Rd, Dallas, TX 75230 A5.0 ★Texas Ratio: 10.34% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,995,000 | View |
|
500 W Pine St, Edgewood, TX 75117 B4.5 ★Texas Ratio: 21.09% |
Conventional | 1 | 0.6% | 100% | $95,000 | View |
|
220 E 8th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.48% |
Conventional | 1 | 0.6% | 100% | $605,000 | View |
Veritex Community Bank
3800 Matlock Rd, Arlington, TX 76015 |
Conventional | 1 | 0.6% | 100% | $755,000 | |
|
705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
|
900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.6% | 50% | $335,000 | View |
|
2831 W Park Row Dr, Arlington, TX 76013 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 1 | 0.6% | 100% | $55,000 | View |
|
247 W Davis St, Dallas, TX 75208 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 0.6% | 50% | $155,000 | View |
|
792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,265,000 | View |
|
2326 W Pleasant Ridge Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.02% |
Conventional | 1 | 0.6% | 100% | $775,000 | View |
|
404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.6% | 100% | $45,000 | View |
|
5151 Belt Line Road, Dallas, TX 75254 A+5.0 ★Texas Ratio: 3.46% |
Conventional | 1 | 0.6% | 100% | $325,000 | View |
|
11610 Bee Caves Rd, Bee Cave, TX 78738 A-5.0 ★Texas Ratio: 14.71% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
|
4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
|
2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
|
★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,295,000 | View |
|
720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
|
900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
|
8131 Gateway Dr, Argyle, TX 76226 A+5.0 ★Texas Ratio: 0.64% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA | 9 | 5.7% | 100% | $275,000 | |
Integrity Mortgage Corporation of Texas
|
Conventional | 6 | 3.8% | 100% | $338,333 | |
Willow Bend Mortgage Company, LLC
|
Conventional | 1 | 0.6% | 100% | $225,000 | |
Network Funding, L.P.
|
Conventional | 1 | 0.6% | 50% | $165,000 | |
Highlands Residential Mortgage, Ltd.
|
Conventional | 1 | 0.6% | 100% | $265,000 | |
Nationstar Mortgage
|
Conventional | 1 | 0.6% | 100% | $435,000 | |
Trinity Oaks Mortgage
|
VA | 1 | 0.6% | 100% | $285,000 | |
|
B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 10 | 6.4% | 66.7% | $215,000 | View |
American Portfolio Mortgage Corporation
|
Conventional, FHA | 6 | 3.8% | 85.7% | $225,000 | |
Cmg Mortgage Inc
|
Conventional, FHA, VA | 6 | 3.8% | 100% | $330,000 | |
Fairway Independent Mort Corp
|
Conventional, FHA | 6 | 3.8% | 100% | $230,000 | |
Cardinal Financial Company, Li
|
Conventional | 5 | 3.2% | 100% | $317,000 | |
United Wholesale Mortgage
|
Conventional, VA | 4 | 2.5% | 100% | $327,500 | |
T2 Financial LLC
|
Conventional, FHA | 4 | 2.5% | 100% | $290,000 | |
Mortgage Research Center
|
VA | 4 | 2.5% | 100% | $347,500 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, Jumbo | 3 | 1.9% | 100% | $468,333 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 1.9% | 37.5% | $161,666 | |
Pennymac Loan Services LLC
|
Conventional | 3 | 1.9% | 100% | $445,000 | |
Synergy One Lending, Inc.
|
Conventional, FHA, VA | 3 | 1.9% | 100% | $175,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 1.9% | 100% | $141,666 | View |
American Financial Resources LLC
|
Conventional, VA | 2 | 1.3% | 100% | $185,000 | |
Guaranteed Rate, Inc.
|
Conventional | 2 | 1.3% | 100% | $365,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 2 | 1.3% | 75% | $290,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 2 | 1.3% | 100% | $300,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 2 | 1.3% | 100% | $365,000 | |
21St Mortgage
|
Conventional | 2 | 1.3% | 50% | $70,000 | |
Arc Home LLC
|
Conventional | 1 | 0.6% | 100% | $405,000 | |
First Community Mortgage, Inc.
|
FHA | 1 | 0.6% | 100% | $195,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $505,000 | View |
Royal United Mortgage LLC
|
Conventional | 1 | 0.6% | 50% | $265,000 | |
Greenstate Credit Union
|
Conventional | 1 | 0.6% | 100% | $665,000 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional | 1 | 0.6% | 100% | $205,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.6% | 100% | $275,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
Movement Mortgage, LLC
|
Conventional | 1 | 0.6% | 100% | $215,000 | |
Loanunited.Com, LLC
|
VA | 1 | 0.6% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.6% | 100% | $55,000 | View |
Deephaven Mortgage LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $575,000 | |
|
A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
American Financial Network, Inc.
|
Conventional | 1 | 0.6% | 25% | $745,000 | |
|
A+5.0 ★Texas Ratio: 3.34% |
FHA | 1 | 0.6% | 100% | $265,000 | View |
M Squared Financial LLC
|
Conventional | 1 | 0.6% | 100% | $205,000 | |
Platinum Eagle Mortgage, LLC
|
FHA | 1 | 0.6% | 100% | $175,000 | |
Mid-Continent Funding, Inc.
|
VA | 1 | 0.6% | 100% | $345,000 | |
American Heritage Lending, LLC
|
Conventional, Jumbo | 1 | 0.6% | 100% | $905,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.6% | 100% | $335,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 0.6% | 100% | $705,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.6% | 100% | $345,000 | |
Pentagon Federal Credit Union
|
VA | 1 | 0.6% | 100% | $255,000 | |
ClearEdge Lending LLC
|
Conventional | 1 | 0.6% | 100% | $675,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.6% | 100% | $285,000 | View |
Southwest Stage Funding LLC
|
Conventional | 1 | 0.6% | 100% | $135,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.6% | 100% | $315,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.6% | 33.3% | $75,000 | |
|
A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.6% | 100% | $735,000 | View |
Tomo Mortgage LLC
|
Conventional | 1 | 0.6% | 100% | $565,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Tool 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 Tool, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Tool? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Tool in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Tool, TX
Use these to narrow the list above. Each category shows how many Tool, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Tool, TX
Independent mortgage companies closed 70.7 percent of home loans in Tool, Texas in 2025, banks 24.8 percent and credit unions 4.5 percent. Everett Financial, Inc. was the largest mortgage company, Bank of America NA the largest bank and Velocity Credit Union the largest credit union. Among lenders headquartered in Texas, First State Bank led with 2 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 Tool, TX
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Tool, Texas with 3 loans, about 1.9 percent of the market. The largest lender headquartered in Texas was First State Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Tool, Texas in 2025, led by American Portfolio Mortgage Corporation with 4. 13 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. 31 banks and 10 credit unions closed home loans in Tool, Texas in 2025, alongside 47 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 Tool, 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 Tool, 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 Tool. 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.
