ABILENE Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Abilene averaged 5.43% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.3% and one month ago for the week of 2022-04-07, the average rate was 4.75%.

Abilene's average rate one year ago was 3.02%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.58%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Abilene 30 Year Fixed Rate 2022-05-12 5.43%
Abilene 30 Year Fixed Rate Refi 2022-05-12 5.58%
Abilene 15 Year Fixed Rate 2022-05-12 5.42%
Abilene 15 Year Fixed Rate Refi 2022-05-12 5%
Abilene 30 Year FHA 2022-05-12 5.4%
Abilene 30 Year FHA Refi 2022-05-12 5.48%
Abilene 30 Year USDA 2022-05-12 5.68%
Abilene 30 Year VA 2022-05-12 5.36%
Abilene 30 Year VA Refi 2022-05-12 5.23%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ABILENE, TX.

ABILENE Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the ABILENE, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First Financial Bank 434 2.95% $3,803
City Bank 146 3.10% $4,418
PRIMELENDING, A PLAINSCAPITAL COMPANY 118 3.28% $4,426
QUICKEN LOANS, LLC 102 3.22% $4,453
SWBC MORTGAGE CORPORATION 99 3.25% $3,670
HOME POINT FINANCIAL CORPORATION 99 3.33% $3,626
MORTGAGE FINANCIAL SERVICES, LLC 93 3.24% $4,382
Prosperity Bank 36 3.40% $3,377
Gateway First Bank 35 3.13% $3,742
UNITED WHOLESALE MORTGAGE, LLC 32 3.11% $5,108
Wells Fargo Bank 27 3.19% $3,782
NexBank 26 3.00% $4,573
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 3.27% $4,777
OPEN MORTGAGE, LLC 20 3.03% $4,844
Mr. Cooper ( Nationstar Mortgage ) 19 3.37% $4,565
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 18 3.40% $4,455
GUARANTEED RATE, INC. 18 3.33% $4,332
LOANDEPOT.COM, LLC 16 3.18% $4,841
CALIBER HOME LOANS, INC. 15 3.27% $3,308
BETTER MORTGAGE CORPORATION 14 3.12% $3,546
Citizens Bank 14 3.06% $4,292
GUILD MORTGAGE COMPANY 14 3.34% $5,002
AMERISAVE MORTGAGE CORPORATION 12 3.14% $3,940
NATIONS RELIABLE LENDING, LLC 11 3.35% $4,740
CMG MORTGAGE, INC. 11 3.29% $5,032
First Bank & Trust 11 3.78% $5,657
Flagstar Bank, FSB 11 3.01% $4,967
JPMorgan Chase Bank 11 3.15% $4,323
PENNYMAC LOAN SERVICES, LLC 10 3.26% $4,833
LOANPAL, LLC 9 3.33% $6,335
AMERICAN FINANCING CORPORATION 8 3.13% $6,506
Colonial Savings, F.A. 7 3.43% $3,337
Bank of America 7 2.80% $4,016
FREEDOM MORTGAGE CORPORATION 7 3.18% $2,360
U.S. Bank 7 3.05% $3,731
TIB The Independent Bankersbank 6 2.85% $6,856
CHURCHILL MORTGAGE CORPORATION 6 3.46% $4,232
GMFS LLC 6 3.19% $3,077
BROKER SOLUTIONS, INC. 6 3.18% $3,908
TEXAS TECH 5 3.65% $7,301
MID AMERICA MORTGAGE, INC. 5 3.27% $6,833
Republic State Mortgage Co. 5 3.03% $4,306
Happy State Bank 5 3.13% $4,124
Stifel Bank and Trust 5 2.80% $3,304
First United Bank and Trust Company 5 3.45% $3,708
NEWREZ LLC 5 3.15% $4,346
CHERRY CREEK MORTGAGE, LLC 5 4.20% $867
MUTUAL OF OMAHA MORTGAGE, INC. 4 3.50% $3,870
AgFirst Farm Credit Bank 4 3.19% $9,031
Mortgage Research Center, LLC 4 2.81% $2,632
STEARNS LENDING, LLC 4 3.22% $5,885
ROYAL UNITED MORTGAGE LLC 4 3.25% $6,422
FirstTrust Home Loans, Inc. 4 3.22% $4,232
KELLER MORTGAGE, LLC 3 3.13% $5,802
ACADEMY MORTGAGE CORPORATION 3 3.42% $4,574
INTEGRITY MORTGAGE CORPORATION OF TEXAS 3 3.29% $5,060
Amarillo National Bank 3 3.21% $3,905
CROSSCOUNTRY MORTGAGE, LLC 3 3.12% $5,302
LAKEVIEW LOAN SERVICING, LLC 3 3.37% $5,497
DEEPHAVEN MORTGAGE LLC 3 6.58% $7,256
Encompass Lending Group, LP 3 3.12% $6,021
MOVEMENT MORTGAGE, LLC 3 3.10% $4,433
NAVY FEDERAL CREDIT UNION 3 3.29% $3,075
UNIVERSITY Federal Credit Union 3 3.50% $3,583
RANLIFE, INC. 2 3.06% $4,506
PLANET HOME LENDING, LLC 2 2.94% $5,093
NTFN, INC. 2 3.31% $5,169
Network Funding, L.P. 2 3.38% $4,515
ASPIRE FINANCIAL, INC. 2 2.88% $4,690
AmeriHome Mortgage Company, LLC 2 2.99% $4,407
Discover Bank 2 6.24% $0
American National Bank & Trust 2 2.94% $3,614
GUARANTEED RATE AFFINITY, LLC 2 2.99% $2,332
Trustmark National Bank 2 2.56% $7,857
Baxter Credit Union 2 3.06% $3,802
Amerifirst Financial, Inc. 2 3.50% $2,924
BancorpSouth Bank 2 3.06% $4,202
Wyndham Capital Mortgage, Inc. 2 3.38% $4,192
InterContinental Capital Group, Inc 2 3.63% $4,586
Hometown Lenders, Inc. 2 3.50% $7,253
VANDERBILT MORTGAGE AND FINANCE, INC. 2 2.94% $3,914
HOMESIDE FINANCIAL, LLC 2 2.93% $3,842
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.31% $4,471
Commercial Bank of Texas 2 3.38% $4,621
First United Bank 2 3.13% $4,351
Low VA Rates, LLC 1 2.88% $9,272
ABILENE TEACHERS Federal Credit Union 1 2.75% $3,189
ADVANCIAL 1 3.50% $3,956
Ally Bank 1 2.75% $6,547
American Airlines Federal Credit Union 1 3.00% $0
American Bank & Trust 1 3.00% $3,104
AMERICAN FINANCIAL NETWORK, INC. 1 4.00% $6,622
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $3,486
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.00% $4,478
AMERICA'S CHOICE HOME LOANS LP 1 3.00% $3,095
ANGEL OAK HOME LOANS LLC 1 3.87% $4,683
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.75% $3,575
Assurance Financial Group, L.L.C. 1 3.38% $3,951
Austin Capital Bank SSB 1 2.88% $9,211
AUSTIN TELCO Federal Credit Union 1 3.38% $3,482
Barrington Bank & Trust Company, N.A. 1 2.75% $5,703
BAY EQUITY LLC 1 3.38% $2,714
BBVA USA 1 2.75% $4,296
Beeline Loans, Inc. 1 2.75% $3,666
Carrington Mortgage Services, LLC 1 3.25% $3,441
CITYWIDE HOME LOANS, LLC 1 3.25% $4,520
CLM MORTGAGE, INC 1 2.99% $4,237
Commerce Bank 1 3.50% $2,795
CORNERSTONE HOME LENDING, INC. 1 2.75% $9,821
COUNTRYPLACE MORTGAGE, LTD. 1 3.25% $13,442
DAS Acquisition Company, LLC 1 2.85% $5,344
DELMAR FINANCIAL COMPANY 1 2.88% $2,879
DIRECTIONS EQUITY, LLC 1 3.13% $4,236
Equity Prime Mortgage LLC 1 3.25% $6,090
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 3.88% $3,762
EVERETT FINANCIAL, INC. 1 3.25% $3,267
FBC MORTGAGE, LLC 1 3.75% $4,679
FINANCE OF AMERICA MORTGAGE LLC 1 2.75% $2,863
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.50% $5,724
First-Citizens Bank & Trust Company 1 3.50% $3,546
First Mortgage Solutions, LLC 1 2.75% $1,636
First National Bank 1 2.63% $5,285
First State Bank 1 2.75% $3,752
Generations Bank 1 2.75% $2,595
GENEVA FINANCIAL, LLC 1 3.50% $3,753
GERSHMAN INVESTMENT CORP. 1 3.75% $3,572
Goldwater Bank, N.A. 1 2.88% $4,329
GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 3.60% $5,935
HOME FUNDING CORPORATION 1 3.63% $5,709
Home Mortgage Alliance Corp 1 3.50% $6,316
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 2.88% $3,476
Inwood National Bank 1 2.38% $4,012
KeyBank 1 2.88% $4,767
KS StateBank 1 2.88% $3,278
LADERA LENDING, INC. 1 3.00% $4,375
LENDING 3, INC. 1 3.50% $5,858
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.63% $5,310
Loan Simple, Inc. 1 2.99% $4,498
LONE STAR 1 2.88% $4,454
21ST MORTGAGE CORPORATION 1 6.05% $6,157
MEMBER FIRST MORTGAGE, LLC 1 3.25% $4,967
MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 3.63% $4,577
Paramount Residential Mortgage Group, Inc. 1 3.13% $5,035
PENTAGON FEDERAL CREDIT UNION 1 2.50% $2,630
PHH Mortgage Corporation 1 3.50% $7,536
Pinnacle Bank 1 3.38% $5,090
PLAZA HOME MORTGAGE, INC. 1 2.99% $8,711
PNC Bank 1 3.00% $4,140
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.13% $4,809
Quontic Bank 1 4.88% $12,215
RANDOLPH-BROOKS 1 3.25% $0
Renasant Bank 1 2.63% $3,398
SECURITYNATIONAL MORTGAGE COMPANY 1 3.12% $5,658
SFMC, LP 1 2.88% $4,188
SOFI LENDING CORP. 1 2.75% $4,162
SOUTHWEST FUNDING, LP 1 3.50% $11,338
SOVEREIGN LENDING GROUP INCORPORATED 1 4.38% $7,214
Sunflower Bank 1 3.25% $2,421
TEXAS DOW EMPLOYEES CREDIT UNION 1 3.50% $4,037
Texas Mortgage Lending, LLC 1 3.75% $5,301
The City National Bank of Sulphur Springs 1 2.88% $2,268
THRIVE MORTGAGE, LLC 1 3.13% $4,530
TIAA, FSB 1 3.13% $20,384
Trinity Oaks Mortgage, LLC 1 3.00% $7,286
Truist Bank 1 2.99% $3,595
TRUWEST Credit Union 1 3.38% $4,644
UNITED 1 3.13% $4,407
UNIVERSITY LENDING GROUP, LLC 1 2.75% $13,786
Watermark Capital, Inc. 1 2.99% $4,865
Waterstone Mortgage Corporation 1 3.13% $5,483

ABILENE, TX's 170 lenders originated 5,701 loans during 2021. The total origination value was $1,177,505,000, with an average loan value of $206,544.

The top ABILENE lender as defined by loan originations is First Financial Bank, with 434 loans originated. Their average total fees are $3,803, which is $615 lower than the next largest lender, City Bank.

The lowest fee ABILENE lenders (with over 10 loans originated) are CALIBER HOME LOANS, INC. ($3,308), Prosperity Bank ($3,377), BETTER MORTGAGE CORPORATION ($3,546), HOME POINT FINANCIAL CORPORATION ($3,626) and SWBC MORTGAGE CORPORATION ($3,670).

The lowest rate ABILENE lenders (with over 10 loans originated) are First Financial Bank (2.95%), NexBank (3.00%), Flagstar Bank, FSB (3.01%), OPEN MORTGAGE, LLC (3.03%) and Citizens Bank (3.06%).

ABILENE, TX Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
First Financial Bank $248,030,000 $245,545,000 -1.0% 20.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $97,725,000 $84,575,000 -13.5% 7.2%
City Bank $89,010,000 $75,425,000 -15.3% 6.4%
QUICKEN LOANS, LLC $42,265,000 $49,230,000 16.5% 4.2%
HOME POINT FINANCIAL CORPORATION $28,535,000 $47,825,000 67.6% 4.1%
FREEDOM MORTGAGE CORPORATION $43,730,000 $43,020,000 -1.6% 3.7%
MORTGAGE FINANCIAL SERVICES, LLC $11,735,000 $41,440,000 253.1% 3.5%
SWBC MORTGAGE CORPORATION $40,075,000 $41,400,000 3.3% 3.5%
Gateway First Bank $37,345,000 $28,950,000 -22.5% 2.5%
Mortgage Research Center, LLC $17,910,000 $24,720,000 38.0% 2.1%
GUARANTEED RATE, INC. $29,200,000 $22,285,000 -23.7% 1.9%
First Bank & Trust $2,560,000 $21,315,000 732.6% 1.8%
UNITED WHOLESALE MORTGAGE, LLC $12,790,000 $16,510,000 29.1% 1.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,830,000 $15,505,000 447.9% 1.3%
CALIBER HOME LOANS, INC. $9,140,000 $14,085,000 54.1% 1.2%
PENNYMAC LOAN SERVICES, LLC $7,590,000 $13,140,000 73.1% 1.1%
ABILENE TEACHERS Federal Credit Union $12,740,000 $13,115,000 2.9% 1.1%
The First National Bank of Albany $5,320,000 $12,860,000 141.7% 1.1%
OPEN MORTGAGE, LLC $585,000 $12,610,000 2,055.6% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $11,425,000 $12,370,000 8.3% 1.1%
Wells Fargo Bank $6,290,000 $12,150,000 93.2% 1.0%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $11,765,000 n/a 1.0%
Prosperity Bank $10,925,000 $11,335,000 3.8% 1.0%
FIRST NATIONAL BANK OF WEATHERFORD $11,105,000 n/a 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $10,715,000 $10,930,000 2.0% 0.9%
Southern Bank $10,210,000 n/a 0.9%
LOANDEPOT.COM, LLC $4,150,000 $9,030,000 117.6% 0.8%
LAKEVIEW LOAN SERVICING, LLC $7,775,000 $7,840,000 0.8% 0.7%
GUILD MORTGAGE COMPANY $7,840,000 $7,600,000 -3.1% 0.6%
PNC Bank $7,240,000 n/a 0.6%
NexBank $4,960,000 $7,185,000 44.9% 0.6%
CMG MORTGAGE, INC. $9,180,000 $7,160,000 -22.0% 0.6%
USAA Federal Savings Bank $10,750,000 $6,385,000 -40.6% 0.5%
21ST MORTGAGE CORPORATION $5,020,000 $6,040,000 20.3% 0.5%
NAVY FEDERAL CREDIT UNION $4,590,000 $5,555,000 21.0% 0.5%
JPMorgan Chase Bank $3,815,000 $5,005,000 31.2% 0.4%
NBKC BANK $3,130,000 $4,595,000 46.8% 0.4%
BETTER MORTGAGE CORPORATION $1,550,000 $4,555,000 193.9% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $1,825,000 $4,070,000 123.0% 0.3%
AmeriHome Mortgage Company, LLC $1,750,000 $3,940,000 125.1% 0.3%
Citizens Bank $2,200,000 $3,875,000 76.1% 0.3%
AMERICAN FINANCING CORPORATION $2,640,000 $3,690,000 39.8% 0.3%
CHURCHILL MORTGAGE CORPORATION $2,505,000 $3,380,000 34.9% 0.3%
TEXAS TECH $1,595,000 $3,345,000 109.7% 0.3%
CLEARPATH LENDING $3,555,000 $3,210,000 -9.7% 0.3%
Happy State Bank $4,325,000 $3,145,000 -27.3% 0.3%
STEARNS LENDING, LLC $310,000 $3,085,000 895.2% 0.3%
NATIONS RELIABLE LENDING, LLC $835,000 $3,075,000 268.3% 0.3%
SOUTHWEST STAGE FUNDING, LLC $565,000 $2,990,000 429.2% 0.3%
The First National Bank of Anson $2,500,000 $2,930,000 17.2% 0.2%
U.S. Bank $5,520,000 $2,885,000 -47.7% 0.2%
NEWREZ LLC $1,495,000 $2,815,000 88.3% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,780,000 $2,690,000 51.1% 0.2%
Republic State Mortgage Co. $2,290,000 $2,685,000 17.2% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $2,320,000 $2,635,000 13.6% 0.2%
GMFS LLC $2,020,000 $2,590,000 28.2% 0.2%
COREVEST AMERICAN FINANCE LENDER LLC $2,515,000 n/a 0.2%
InterContinental Capital Group, Inc $1,195,000 $2,490,000 108.4% 0.2%
Flagstar Bank, FSB $1,935,000 $2,475,000 27.9% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,980,000 $2,390,000 20.7% 0.2%
MID AMERICA MORTGAGE, INC. $2,405,000 $2,375,000 -1.2% 0.2%
TIB The Independent Bankersbank $2,345,000 n/a 0.2%
Bank of America $2,845,000 $2,335,000 -17.9% 0.2%
Lakeview Community Capital, LLC $390,000 $2,315,000 493.6% 0.2%
Western Bank $570,000 $2,225,000 290.4% 0.2%
LOANPAL, LLC $1,180,000 $2,205,000 86.9% 0.2%
NEW DAY FINANCIAL, LLC $3,115,000 $2,160,000 -30.7% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $500,000 $2,015,000 303.0% 0.2%
First Guaranty Mortgage Corporation $2,385,000 $1,975,000 -17.2% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,995,000 $1,930,000 -3.3% 0.2%
Colonial Savings, F.A. $2,795,000 $1,895,000 -32.2% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,940,000 $1,820,000 -6.2% 0.2%
First United Bank and Trust Company $595,000 $1,790,000 200.8% 0.2%
BROKER SOLUTIONS, INC. $1,605,000 $1,775,000 10.6% 0.2%
AgFirst Farm Credit Bank $145,000 $1,760,000 1,113.8% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $1,915,000 $1,735,000 -9.4% 0.1%
CIVIC FINANCIAL SERVICES, LLC $1,730,000 n/a 0.1%
BankFinancial $1,695,000 n/a 0.1%
Low VA Rates, LLC $3,885,000 $1,660,000 -57.3% 0.1%
PLANET HOME LENDING, LLC $685,000 $1,660,000 142.3% 0.1%
COMMUNITIES OF ABILENE FEDERAL CREDIT UNION $745,000 $1,630,000 118.8% 0.1%
MOVEMENT MORTGAGE, LLC $245,000 $1,565,000 538.8% 0.1%
AMCAP MORTGAGE, LTD. $3,475,000 $1,560,000 -55.1% 0.1%
LIMA ONE CAPITAL, LLC $1,540,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $140,000 $1,535,000 996.4% 0.1%
The Bank & Trust $660,000 $1,465,000 122.0% 0.1%
Stifel Bank and Trust $690,000 $1,445,000 109.4% 0.1%
Carrington Mortgage Services, LLC $1,775,000 $1,370,000 -22.8% 0.1%
KELLER MORTGAGE, LLC $3,400,000 $1,285,000 -62.2% 0.1%
Ally Bank $115,000 $1,275,000 1,008.7% 0.1%
ROYAL UNITED MORTGAGE LLC $1,975,000 $1,235,000 -37.5% 0.1%
The Federal Savings Bank $380,000 $1,180,000 210.5% 0.1%
FirstTrust Home Loans, Inc. $195,000 $1,155,000 492.3% 0.1%
Trustmark National Bank $1,435,000 $1,155,000 -19.5% 0.1%
ASPIRE FINANCIAL, INC. $455,000 $1,110,000 144.0% 0.1%
ACADEMY MORTGAGE CORPORATION $175,000 $1,080,000 517.1% 0.1%
NTFN, INC. $1,075,000 n/a 0.1%
AMERICAN HOMESTAR MORTGAGE, L.L.C. $370,000 $1,010,000 173.0% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $800,000 $995,000 24.4% 0.1%
CHERRY CREEK MORTGAGE, LLC $1,145,000 $970,000 -15.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $665,000 $965,000 45.1% 0.1%
Network Funding, L.P. $335,000 $955,000 185.1% 0.1%
DEEPHAVEN MORTGAGE LLC $330,000 $935,000 183.3% 0.1%
HOMESIDE FINANCIAL, LLC $915,000 n/a 0.1%
Encompass Lending Group, LP $500,000 $885,000 77.0% 0.1%
FIRST CENTENNIAL MORTGAGE CORPORATION $195,000 $885,000 353.8% 0.1%
PLAZA HOME MORTGAGE, INC. $1,925,000 $880,000 -54.3% 0.1%
First National Bank $1,355,000 $870,000 -35.8% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $145,000 $845,000 482.8% 0.1%
Pinnacle Bank $190,000 $845,000 344.7% 0.1%
EVERETT FINANCIAL, INC. $1,735,000 $830,000 -52.2% 0.1%
Chicago Mortgage Solutions LLC $825,000 n/a 0.1%
First United Bank $430,000 $820,000 90.7% 0.1%
ACCELERATE MORTGAGE, LLC $805,000 n/a 0.1%
American Airlines Federal Credit Union $230,000 $805,000 250.0% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $790,000 n/a 0.1%
NBH Bank $750,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $735,000 $750,000 2.0% 0.1%
TIAA, FSB $245,000 $750,000 206.1% 0.1%
Barrington Bank & Trust Company, N.A. $1,205,000 $745,000 -38.2% 0.1%
NP, Inc. $735,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $1,625,000 $725,000 -55.4% 0.1%
Loan Simple, Inc. $715,000 n/a 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $750,000 $695,000 -7.3% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $350,000 $665,000 90.0% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $925,000 $645,000 -30.3% 0.1%
Baxter Credit Union $635,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $125,000 $615,000 392.0% 0.1%
UNION SQUARE $400,000 $615,000 53.8% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $595,000 n/a 0.1%
SOUTHWEST FUNDING, LP $590,000 n/a 0.1%
Amarillo National Bank $125,000 $585,000 368.0% 0.0%
Wyndham Capital Mortgage, Inc. $585,000 n/a 0.0%
PHH Mortgage Corporation $330,000 $550,000 66.7% 0.0%
Pinnacle Bank $190,000 $505,000 165.8% 0.0%
SUN WEST MORTGAGE COMPANY, INC. $680,000 $505,000 -25.7% 0.0%
MEMBER FIRST MORTGAGE, LLC $490,000 n/a 0.0%
Hometown Lenders, Inc. $470,000 n/a 0.0%
Commercial Bank of Texas $400,000 $465,000 16.3% 0.0%
BancorpSouth Bank $755,000 $460,000 -39.1% 0.0%
Equity Prime Mortgage LLC $510,000 $460,000 -9.8% 0.0%
Goldwater Bank, N.A. $480,000 $455,000 -5.2% 0.0%
Truist Bank $13,330,000 $450,000 -96.6% 0.0%
American National Bank & Trust $2,860,000 $440,000 -84.6% 0.0%
BNC National Bank $650,000 $440,000 -32.3% 0.0%
DIRECTIONS EQUITY, LLC $440,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $565,000 $440,000 -22.1% 0.0%
TJC Mortgage, Inc. $245,000 $440,000 79.6% 0.0%
Commerce Home Mortgage, Inc. $250,000 $430,000 72.0% 0.0%
Community National Bank $65,000 $430,000 561.5% 0.0%
JAMES B. NUTTER & COMPANY $420,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $175,000 $410,000 134.3% 0.0%
AMERICAN ADVISORS GROUP $485,000 $405,000 -16.5% 0.0%
DAS Acquisition Company, LLC $215,000 $405,000 88.4% 0.0%
FBC MORTGAGE, LLC $1,245,000 $405,000 -67.5% 0.0%
GUARANTEED RATE AFFINITY, LLC $215,000 $400,000 86.0% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $390,000 n/a 0.0%
The Bank of San Antonio $375,000 n/a 0.0%
Hometown Equity Mortgage, LLC $370,000 n/a 0.0%
SOFI LENDING CORP. $370,000 n/a 0.0%
North American Savings Bank, F.S.B. $560,000 $365,000 -34.8% 0.0%
GENEVA FINANCIAL, LLC $360,000 n/a 0.0%
RANLIFE, INC. $300,000 $360,000 20.0% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $355,000 n/a 0.0%
Strong Home Mortgage, LLC $355,000 n/a 0.0%
Amerifirst Financial, Inc. $145,000 $350,000 141.4% 0.0%
UNIVERSITY LENDING GROUP, LLC $515,000 $345,000 -33.0% 0.0%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $335,000 n/a 0.0%
KS StateBank $325,000 $335,000 3.1% 0.0%
First State Bank $330,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $1,000,000 $330,000 -67.0% 0.0%
SFMC, LP $1,860,000 $330,000 -82.3% 0.0%
American Bank, N.A. $325,000 n/a 0.0%
Citadel Servicing Corporation $325,000 n/a 0.0%
First National Bank $1,355,000 $325,000 -76.0% 0.0%
RANDOLPH-BROOKS $390,000 $325,000 -16.7% 0.0%
Trinity Oaks Mortgage, LLC $325,000 n/a 0.0%
UNITED $325,000 n/a 0.0%
LENDUS, LLC $315,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $1,010,000 $315,000 -68.8% 0.0%
BBVA USA $385,000 $305,000 -20.8% 0.0%
Wallick & Volk, Inc. $305,000 n/a 0.0%
Discover Bank $205,000 $300,000 46.3% 0.0%
LADERA LENDING, INC. $295,000 n/a 0.0%
Manufacturers and Traders Trust Company $400,000 $290,000 -27.5% 0.0%
Austin Capital Bank SSB $105,000 $285,000 171.4% 0.0%
GULF COAST EDUCATORS FEDERAL CREDIT UNION $285,000 n/a 0.0%
Quontic Bank $285,000 n/a 0.0%
Security State Bank & Trust $255,000 $285,000 11.8% 0.0%
Watermark Capital, Inc. $205,000 $285,000 39.0% 0.0%
INFINITY MORTGAGE HOLDINGS, LLC $600,000 $280,000 -53.3% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $200,000 $275,000 37.5% 0.0%
F & M Bank $560,000 $275,000 -50.9% 0.0%
UNIVERSITY Federal Credit Union $1,570,000 $275,000 -82.5% 0.0%
BAY EQUITY LLC $485,000 $265,000 -45.4% 0.0%
DHI MORTGAGE COMPANY, LTD. $265,000 n/a 0.0%
INTERCAP LENDING INC. $325,000 $265,000 -18.5% 0.0%
TRUWEST Credit Union $265,000 n/a 0.0%
Sunflower Bank $175,000 $260,000 48.6% 0.0%
AMPLIFY $175,000 $255,000 45.7% 0.0%
FINANCE OF AMERICA MORTGAGE LLC $410,000 $255,000 -37.8% 0.0%
The First National Bank of Sonora $145,000 $255,000 75.9% 0.0%
West Gate Bank $285,000 $255,000 -10.5% 0.0%
THRIVE MORTGAGE, LLC $245,000 $250,000 2.0% 0.0%
Cadence Bank, N.A. $245,000 n/a 0.0%
Centennial Bank $205,000 $245,000 19.5% 0.0%
Century Mortgage Company DBA Century Lending Company $245,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $245,000 n/a 0.0%
Central National Bank $240,000 n/a 0.0%
Generations Bank $450,000 $235,000 -47.8% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $455,000 $235,000 -48.4% 0.0%
TBK BANK, SSB $235,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $230,000 n/a 0.0%
CLM MORTGAGE, INC $125,000 $225,000 80.0% 0.0%
First-Citizens Bank & Trust Company $225,000 n/a 0.0%
First Mortgage Solutions, LLC $225,000 $225,000 0.0% 0.0%
Herring Bank $225,000 n/a 0.0%
J. VIRGIL, INC. $305,000 $225,000 -26.2% 0.0%
KeyBank $175,000 $225,000 28.6% 0.0%
LENDING 3, INC. $390,000 $225,000 -42.3% 0.0%
Inwood National Bank $205,000 $220,000 7.3% 0.0%
CONTOUR MORTGAGE CORPORATION $235,000 $215,000 -8.5% 0.0%
First Horizon Bank $215,000 n/a 0.0%
GERSHMAN INVESTMENT CORP. $215,000 n/a 0.0%
HOME FUNDING CORPORATION $215,000 n/a 0.0%
V.I.P. MORTGAGE, INC. $215,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $565,000 $210,000 -62.8% 0.0%
CELEBRITY HOME LOANS, LLC $205,000 $205,000 0.0% 0.0%
Prime Choice Funding Inc. $195,000 $205,000 5.1% 0.0%
AMERICA'S CHOICE HOME LOANS LP $195,000 n/a 0.0%
AmRes Corporation $275,000 $195,000 -29.1% 0.0%
Armed Forces Bank $195,000 n/a 0.0%
AUSTIN TELCO Federal Credit Union $145,000 $195,000 34.5% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $145,000 $195,000 34.5% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $220,000 $195,000 -11.4% 0.0%
SIRVA MORTGAGE, INC. $195,000 n/a 0.0%
InterBank $610,000 $190,000 -68.9% 0.0%
Texas Bank Financial $185,000 n/a 0.0%
The Central Trust Bank $185,000 n/a 0.0%
First Western Federal Savings Bank $180,000 n/a 0.0%
Beeline Loans, Inc. $175,000 n/a 0.0%
Commerce Bank $175,000 n/a 0.0%
GREAT WESTERN FINANCIAL SERVICES, INC. $1,485,000 $175,000 -88.2% 0.0%
Home Mortgage Alliance Corp $175,000 n/a 0.0%
The Jacksboro National Bank $175,000 n/a 0.0%
American Bank & Trust $165,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $165,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $430,000 $165,000 -61.6% 0.0%
ANGEL OAK HOME LOANS LLC $155,000 n/a 0.0%
Texas Mortgage Lending, LLC $155,000 n/a 0.0%
The American National Bank of Texas $155,000 n/a 0.0%
The First National Bank of Granbury $155,000 n/a 0.0%
Vista Bank $15,000 $150,000 900.0% 0.0%
ADVANCIAL $145,000 n/a 0.0%
INSPIRE HOME LOANS INC. $145,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $145,000 n/a 0.0%
Waterstone Mortgage Corporation $115,000 $145,000 26.1% 0.0%
FINANCE OF AMERICA REVERSE LLC $140,000 n/a 0.0%
MORTGAGE MANAGEMENT CONSULTANTS, INC. $135,000 n/a 0.0%
Renasant Bank $135,000 n/a 0.0%
BOKF $465,000 $125,000 -73.1% 0.0%
EMBRACE HOME LOANS, INC. $360,000 $125,000 -65.3% 0.0%
Arvest Bank $105,000 $115,000 9.5% 0.0%
Citizens 1st Bank $115,000 n/a 0.0%
LENDINGONE, LLC $115,000 n/a 0.0%
Regions Bank $115,000 n/a 0.0%
RF Renovo Management Company, LLC $115,000 n/a 0.0%
The Union State Bank $115,000 n/a 0.0%
Assurance Financial Group, L.L.C. $360,000 $105,000 -70.8% 0.0%
First Bank $115,000 $105,000 -8.7% 0.0%
Nations Lending Corporation $950,000 $105,000 -88.9% 0.0%
RED RIVER EMPLOYEES $275,000 $105,000 -61.8% 0.0%
ALL WESTERN MORTGAGE, INC. $95,000 n/a 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,485,000 $95,000 -93.6% 0.0%
H E B $95,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $85,000 n/a 0.0%
FirstCapital Bank of Texas $85,000 n/a 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $195,000 $85,000 -56.4% 0.0%
LONE STAR $85,000 n/a 0.0%
Texas First Bank $85,000 n/a 0.0%
Secured Investment Corp. $75,000 n/a 0.0%
The City National Bank of Sulphur Springs $75,000 n/a 0.0%
Credit Union of Texas $85,000 $65,000 -23.5% 0.0%
FirstBank $300,000 $65,000 -78.3% 0.0%
TEXAS DOW EMPLOYEES CREDIT UNION $410,000 $65,000 -84.1% 0.0%
DELMAR FINANCIAL COMPANY $335,000 $55,000 -83.6% 0.0%
EECU $55,000 n/a 0.0%
The First National Bank of McGregor $55,000 n/a 0.0%
CSL Financial, LLC $45,000 $45,000 0.0% 0.0%
Citibank $660,000 $35,000 -94.7% 0.0%

ABILENE's top lender by overall market share is First Financial Bank, with 20.9% market share. In second place, with 7.2%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $84,575,000 in loans. In third place, with 6.4%, is City Bank, having originated $75,425,000 in loans. In third place, with 4.2%, is QUICKEN LOANS, LLC, having originated $49,230,000 in loans. In third place, with 4.1%, is HOME POINT FINANCIAL CORPORATION, having originated $47,825,000 in loans.


ABILENE, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 3,100 $689,440,000 $222,400
Refi 1,721 $346,915,000 $201,578
Cash Out Refi 644 $119,770,000 $185,978
Home Improvement 184 $16,200,000 $88,043
Other 52 $5,180,000 $99,615

Abilene's most frequently cited loan purpose was Home Purchase, with 3,100 originations. The 2nd most popular reason was Refi, with 1,721 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,019 $390,805,000 $193,564
2.5-3% 1,917 $431,045,000 $224,854
<2.5% 1,003 $224,865,000 $224,192
4-5% 363 $64,895,000 $178,774
5-6% 98 $10,810,000 $110,306
6-7% 49 $14,805,000 $302,143
Over 8% 45 $3,875,000 $86,111
7-8% 22 $2,010,000 $91,364

During 2021, Abilene's most frequently originated rate bucket was 3-4%, with 2,019 originations.

Loan Sizing (ABILENE, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,469 $370,155,000 $149,921
$200k-400k 2,011 $542,135,000 $269,585
$100,000 or less 954 $66,100,000 $69,287
$400k-600k 222 $105,570,000 $475,541
$Over $1MM 23 $78,235,000 $3,401,522
$600k-1000k 22 $15,310,000 $695,909

ABILENE's loan sizing saw the bucket of loans from $100k-200k with 2,469 originations, totaling $370,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,647 $575,565,000 $217,440
60-80% 1,500 $331,350,000 $220,900
40-60% 515 $93,535,000 $181,621
Over 100% 258 $64,450,000 $249,806
20-40% 222 $21,610,000 $97,342
Under 20% 83 $3,895,000 $46,928

ABILENE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,647 originations, totaling $575,565,000 in origination value.