ABILENE Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Abilene averaged 6.89% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 7.19% and one month ago for the week of 2025-05-29, the average rate was 7.01%.

Abilene's average rate one year ago was 7.18%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.11%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Abilene 30 Year Fixed Rate 2025-07-03 6.89%
Abilene 30 Year Fixed Rate Refi 2025-07-03 7.11%
Abilene 15 Year Fixed Rate 2025-07-03 7%
Abilene 15 Year Fixed Rate Refi 2025-07-03 5.9%
Abilene 30 Year FHA 2025-07-03 -0.06%
Abilene 30 Year FHA Refi 2025-07-03 0.2%
Abilene 30 Year USDA 2025-07-03 -0.2%
Abilene 30 Year USDA Refi 2025-07-03 0%
Abilene 30 Year VA 2025-07-03 0.16%
Abilene 30 Year VA Refi 2025-07-03 -0.44%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
First Financial Bank 240 6.82% $4,772
PRIMELENDING, A PLAINSCAPITAL COMPANY 69 6.96% $7,884
QUICKEN LOANS, LLC 65 7.00% $6,985
UNITED WHOLESALE MORTGAGE, LLC 47 6.85% $7,563
City Bank 40 6.94% $5,692
MORTGAGE FINANCIAL SERVICES, LLC 24 7.07% $5,679
SUCCESS MORTGAGE PARTNERS, INC. 21 6.94% $7,060
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 7.11% $7,849
LOANDEPOT.COM, LLC 15 6.92% $7,482
SWBC MORTGAGE CORPORATION 14 6.62% $4,402
Citizens Bank 13 6.84% $3,938
GUARANTEED RATE, INC. 11 7.14% $7,115
JPMorgan Chase Bank 11 6.48% $4,353
DHI MORTGAGE COMPANY, LTD. 9 5.33% $3,333
EUSTIS AND AMERICAN MORTGAGE COMPANY 9 6.87% $4,484
Prosperity Home Mortgage, LLC 7 7.27% $6,324
Mr. Cooper ( Nationstar Mortgage ) 7 7.10% $8,499
SUMMIT FUNDING, INC. 6 6.94% $8,108
AMERICAN PACIFIC MORTGAGE CORPORATION 6 7.10% $6,484
T2 FINANCIAL LLC 6 6.89% $10,260
Discover Bank 6 7.15% $0
USAA Federal Savings Bank 6 6.54% $5,368
21ST MORTGAGE CORPORATION 5 8.43% $7,309
Wells Fargo Bank 5 6.98% $5,717
NEWREZ LLC 5 6.73% $9,181
Renasant Bank 5 7.10% $4,665
CARDINAL FINANCIAL 4 7.69% $9,044
DEEPHAVEN MORTGAGE LLC 4 8.00% $7,971
ENVOY MORTGAGE, LTD 4 7.13% $6,830
ZILLOW HOME LOANS, LLC 4 6.88% $5,108
American National Bank & Trust 4 7.03% $6,907
Bank of America 4 5.72% $2,727
BancorpSouth 3 6.83% $8,115
PENNYMAC LOAN SERVICES, LLC 3 6.54% $5,499
BROKER SOLUTIONS, INC. 3 6.83% $6,349
NP, Inc. 3 7.83% $11,647
NexBank 3 6.58% $4,947
NAVY FEDERAL CREDIT UNION 3 6.79% $4,308
GUARANTEED RATE AFFINITY, LLC 3 6.73% $4,740
Commercial Bank of Texas 3 7.21% $4,077
CROSSCOUNTRY MORTGAGE, LLC 3 6.94% $8,041
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 3 7.04% $5,205
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 7.12% $6,299
EECU 3 7.50% $3,472
KEYPOINT 3 6.93% $4,854
LOANPAL, LLC 3 7.37% $6,741
LRS FINANCIAL NETWORK, INC. 3 7.20% $5,067
PNC Bank 2 6.88% $4,022
American Mortgage & Equity Consultants, Inc. 2 6.81% $12,777
AmeriHome Mortgage Company, LLC 2 7.06% $5,555
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.25% $3,331
CMG MORTGAGE, INC. 2 6.69% $5,058
Commerce Home Mortgage, Inc. 2 8.44% $15,490
Cornerstone First Mortgage, Inc 2 6.38% $10,119
DIRECTIONS EQUITY, LLC 2 7.56% $16,544
Farm Credit Mid-America, ACA 2 7.00% $11,654
FBC MORTGAGE, LLC 2 6.88% $8,324
FIRST COMMUNITY MORTGAGE, INC. 2 6.88% $6,602
Flagstar Bank, FSB 2 7.63% $6,693
FLAT BRANCH MORTGAGE, INC. 2 6.62% $6,229
FREEDOM MORTGAGE CORPORATION 2 8.00% $4,999
GMFS LLC 2 6.44% $2,496
ROYAL UNITED MORTGAGE LLC 2 7.06% $5,594
SFMC, LP 2 6.94% $5,197
Sierra Pacific Mortgage Company, Inc. 2 7.13% $4,906
Stifel Bank and Trust 2 6.00% $6,034
TEXAS TECH 2 6.94% $4,702
V.I.P. MORTGAGE, INC. 2 6.31% $3,862
First Western Bank & Trust 1 6.88% $4,609
HOMESIDE FINANCIAL, LLC 1 6.99% $9,912
Inwood National Bank 1 6.88% $3,584
First United Bank 1 6.13% $4,003
First National Bank of America 1 8.00% $6,658
First National Bank 1 7.75% $25,671
LOANFLIGHT LENDING, LLC 1 5.99% $5,135
First Horizon Bank 1 6.50% $10,331
First Bank 1 7.50% $8,032
MEMBER FIRST MORTGAGE, LLC 1 6.75% $3,607
MID AMERICA MORTGAGE, INC. 1 6.88% $5,591
Encompass Lending Group, LP 1 7.38% $13,933
Mortgage Research Center, LLC 1 6.63% $3,797
MOVEMENT MORTGAGE, LLC 1 6.94% $4,372
CORNERSTONE HOME LENDING, INC. 1 5.49% $25,273
CHURCHILL MORTGAGE CORPORATION 1 6.13% $5,996
NBKC BANK 1 7.38% $7,733
NETWORK CAPITAL FUNDING CORPORATION 1 6.50% $5,645
Charles Schwab Bank, SSB 1 6.38% $1,495
Centennial Bank 1 6.88% $5,326
NEXERA HOLDING LLC 1 7.50% $13,029
NFM, INC. 1 6.63% $7,090
Carrington Mortgage Services, LLC 1 7.75% $6,191
Paramount Bank 1 6.88% $5,324
Paramount Residential Mortgage Group, Inc. 1 7.13% $5,799
BOKF 1 7.13% $4,341
PENTAGON FEDERAL CREDIT UNION 1 6.63% $6,202
PHH Mortgage Corporation 1 6.99% $4,144
BMO Harris Bank 1 7.63% $5,669
PREMIA MORTGAGE, LLC 1 6.63% $1,762
BETTER MORTGAGE CORPORATION 1 6.88% $3,742
Prosperity Bank 1 6.00% $5,500
Beeline Loans, Inc. 1 6.99% $9,854
Arvest Bank 1 7.25% $3,910
RANDOLPH-BROOKS 1 7.38% $3,109
RBC Bank, (Georgia) 1 6.38% $2,994
Armed Forces Bank 1 7.00% $7,895
U.S. Bank 1 7.63% $2,727
SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $10,045
Zions Bank 1 8.13% $4,554
Watermark Capital, Inc. 1 6.38% $3,749
SOUTHWEST STAGE FUNDING, LLC 1 7.40% $5,591
Amarillo National Bank 1 6.88% $4,730
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.00% $5,575
AMPLIFY 1 5.99% $8,813
Ameris Bank 1 6.49% $5,868
AMERISAVE MORTGAGE CORPORATION 1 7.88% $7,459
Texas Mortgage Lending, LLC 1 6.88% $11,156
Affiliated Bank 1 7.50% $5,870
The Huntington National Bank 1 7.63% $12,059
THE MORTGAGE LINK, INC. 1 6.99% $14,788
TRIAD FINANCIAL SERVICES, INC. 1 11.20% $4,868
Truist 1 6.10% $3,685
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.88% $4,339
AMERICAN FINANCING CORPORATION 1 6.38% $7,181
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.63% $9,411
GREATER TEXAS FEDERAL CREDIT UNION 1 6.88% $3,916
Gateway First Bank 1 7.00% $4,274
Florida Capital Bank 1 6.50% $5,729
GUILD MORTGAGE COMPANY 1 7.63% $7,893
GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 7.10% $7,360

ABILENE Average Closing Costs & Other Stats

ABILENE, TX's 129 lenders originated 3,243 loans during 2024. The total origination value was $746,025,000, with an average loan value of $230,042.

ABILENE's average closing costs are $5,860.

The top ABILENE lender as defined by loan originations is First Financial Bank, with 240 loans originated. Their average total fees are $4,772, which is $3,112 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

The lowest fee ABILENE lenders (with over 10 loans originated) are Citizens Bank ($3,938), JPMorgan Chase Bank ($4,353), SWBC MORTGAGE CORPORATION ($4,402), First Financial Bank ($4,772) and MORTGAGE FINANCIAL SERVICES, LLC ($5,679).

The lowest rate ABILENE lenders (with over 10 loans originated) are JPMorgan Chase Bank (6.48%), SWBC MORTGAGE CORPORATION (6.62%), First Financial Bank (6.82%), Citizens Bank (6.84%) and UNITED WHOLESALE MORTGAGE, LLC (6.85%).

ABILENE, TX Mortgage 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
First Financial Bank $141,295,000 $159,295,000 12.7% 21.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $57,465,000 $67,955,000 18.3% 9.1%
UNITED WHOLESALE MORTGAGE, LLC $19,150,000 $32,640,000 70.4% 4.4%
WALKER & DUNLOP, LLC $13,585,000 $28,635,000 110.8% 3.8%
Mortgage Research Center, LLC $19,055,000 $28,180,000 47.9% 3.8%
City Bank $32,635,000 $22,400,000 -31.4% 3.0%
QUICKEN LOANS, LLC $13,130,000 $19,635,000 49.5% 2.6%
MORTGAGE FINANCIAL SERVICES, LLC $21,470,000 $16,370,000 -23.8% 2.2%
The First National Bank of Albany $7,765,000 $14,625,000 88.3% 2.0%
FREEDOM MORTGAGE CORPORATION $3,670,000 $14,545,000 296.3% 1.9%
ABILENE TEACHERS Federal Credit Union $7,730,000 $13,660,000 76.7% 1.8%
DHI MORTGAGE COMPANY, LTD. $8,450,000 $13,445,000 59.1% 1.8%
21ST MORTGAGE CORPORATION $8,955,000 $13,010,000 45.3% 1.7%
SUCCESS MORTGAGE PARTNERS, INC. $16,780,000 $12,140,000 -27.7% 1.6%
SWBC MORTGAGE CORPORATION $15,185,000 $11,660,000 -23.2% 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,895,000 $9,810,000 66.4% 1.3%
COREVEST AMERICAN FINANCE LENDER LLC $9,005,000 n/a 1.2%
PENNYMAC LOAN SERVICES, LLC $3,080,000 $8,830,000 186.7% 1.2%
COLEMAN COUNTY STATE BANK $11,600,000 $8,705,000 -25.0% 1.2%
SUMMIT FUNDING, INC. $305,000 $8,675,000 2,744.3% 1.2%
FIRST NATIONAL BANK OF WEATHERFORD $7,930,000 $8,225,000 3.7% 1.1%
LOANDEPOT.COM, LLC $3,780,000 $7,500,000 98.4% 1.0%
GUARANTEED RATE, INC. $1,815,000 $6,770,000 273.0% 0.9%
ENVOY MORTGAGE, LTD $145,000 $6,135,000 4,131.0% 0.8%
CARDINAL FINANCIAL $18,020,000 $5,785,000 -67.9% 0.8%
USAA Federal Savings Bank $4,180,000 $5,745,000 37.4% 0.8%
Prosperity Home Mortgage, LLC $8,030,000 $5,535,000 -31.1% 0.7%
NAVY FEDERAL CREDIT UNION $5,920,000 $5,460,000 -7.8% 0.7%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $3,490,000 $4,685,000 34.2% 0.6%
ORIX REAL ESTATE CAPITAL, LLC $4,625,000 n/a 0.6%
T2 FINANCIAL LLC $4,235,000 n/a 0.6%
Citizens Bank $8,040,000 $3,815,000 -52.5% 0.5%
EUSTIS AND AMERICAN MORTGAGE COMPANY $3,620,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $2,350,000 $3,490,000 48.5% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $1,870,000 $3,480,000 86.1% 0.5%
Renasant Bank $6,620,000 $3,305,000 -50.1% 0.4%
NEWREZ LLC $465,000 $2,960,000 536.6% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $1,785,000 $2,940,000 64.7% 0.4%
CMG MORTGAGE, INC. $4,910,000 $2,820,000 -42.6% 0.4%
TEMPLE VIEW CAPITAL FUNDING, LP $155,000 $2,770,000 1,687.1% 0.4%
Paramount Residential Mortgage Group, Inc. $3,420,000 $2,750,000 -19.6% 0.4%
VILLAGE CAPITAL MORTGAGE $2,730,000 n/a 0.4%
NBKC BANK $1,510,000 $2,720,000 80.1% 0.4%
The First National Bank of Anson $1,880,000 $2,700,000 43.6% 0.4%
Prosperity Bank $8,025,000 $2,515,000 -68.7% 0.3%
First Abilene Federal Credit Union $3,815,000 $2,430,000 -36.3% 0.3%
TRIAD FINANCIAL SERVICES, INC. $3,615,000 $2,355,000 -34.9% 0.3%
Bank of America $2,115,000 $2,340,000 10.6% 0.3%
Cedar Rapids Bank and Trust Company $2,955,000 $2,325,000 -21.3% 0.3%
GUARANTEED RATE AFFINITY, LLC $360,000 $2,315,000 543.1% 0.3%
COMMUNITIES OF ABILENE FEDERAL CREDIT UNION $2,145,000 $2,290,000 6.8% 0.3%
SOUTHWEST STAGE FUNDING, LLC $2,985,000 $2,230,000 -25.3% 0.3%
FBC MORTGAGE, LLC $1,855,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $135,000 $1,755,000 1,200.0% 0.2%
JPMorgan Chase Bank $815,000 $1,740,000 113.5% 0.2%
LAKEVIEW LOAN SERVICING, LLC $755,000 $1,690,000 123.8% 0.2%
Pinnacle Bank $1,685,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $10,590,000 $1,640,000 -84.5% 0.2%
Plains Commerce Bank $1,605,000 n/a 0.2%
BancorpSouth $210,000 $1,590,000 657.1% 0.2%
PHH Mortgage Corporation $650,000 $1,540,000 136.9% 0.2%
AmeriHome Mortgage Company, LLC $155,000 $1,485,000 858.1% 0.2%
ALLIANT CREDIT UNION $1,465,000 n/a 0.2%
First National Bank $1,455,000 n/a 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $530,000 $1,440,000 171.7% 0.2%
BROKER SOLUTIONS, INC. $1,500,000 $1,430,000 -4.7% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,025,000 $1,340,000 -33.8% 0.2%
DIRECTIONS EQUITY, LLC $175,000 $1,330,000 660.0% 0.2%
Stifel Bank and Trust $1,110,000 $1,310,000 18.0% 0.2%
Wells Fargo Bank $8,610,000 $1,300,000 -84.9% 0.2%
Discover Bank $645,000 $1,255,000 94.6% 0.2%
Texas Heritage Bank $680,000 $1,255,000 84.6% 0.2%
American National Bank & Trust $215,000 $1,250,000 481.4% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,180,000 $1,240,000 -76.1% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,325,000 $1,215,000 -8.3% 0.2%
INTERCAP LENDING INC. $1,175,000 n/a 0.2%
American Mortgage Bank, LLC $1,165,000 n/a 0.2%
Zions Bank $305,000 $1,165,000 282.0% 0.2%
CHURCHILL MORTGAGE CORPORATION $325,000 $1,160,000 256.9% 0.2%
Century Mortgage Company DBA Century Lending Company $460,000 $1,145,000 148.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $35,000 $1,140,000 3,157.1% 0.2%
M&T Bank $1,110,000 n/a 0.1%
SILVER HILL FUNDING, LLC $1,090,000 n/a 0.1%
LOANPAL, LLC $695,000 $1,050,000 51.1% 0.1%
TEXAS TECH $1,950,000 $1,015,000 -47.9% 0.1%
First Horizon Bank $1,005,000 n/a 0.1%
MEMBER FIRST MORTGAGE, LLC $150,000 $1,000,000 566.7% 0.1%
Gateway First Bank $1,450,000 $990,000 -31.7% 0.1%
NEXERA HOLDING LLC $305,000 $970,000 218.0% 0.1%
PLANET HOME LENDING, LLC $145,000 $940,000 548.3% 0.1%
NP, Inc. $925,000 n/a 0.1%
Farm Credit Mid-America, ACA $855,000 $920,000 7.6% 0.1%
Lakeview Community Capital, LLC $905,000 n/a 0.1%
MEMBERS CHOICE Credit Union $885,000 n/a 0.1%
LRS FINANCIAL NETWORK, INC. $875,000 n/a 0.1%
Western Bank $1,505,000 $865,000 -42.5% 0.1%
PNC Bank $1,915,000 $825,000 -56.9% 0.1%
Ixonia Bank $820,000 n/a 0.1%
SFMC, LP $450,000 $800,000 77.8% 0.1%
ZILLOW HOME LOANS, LLC $1,405,000 $785,000 -44.1% 0.1%
Commerce Home Mortgage, Inc. $145,000 $765,000 427.6% 0.1%
American Mortgage & Equity Consultants, Inc. $445,000 $760,000 70.8% 0.1%
The Central Trust Bank $95,000 $750,000 689.5% 0.1%
Flagstar Bank, FSB $1,820,000 $730,000 -59.9% 0.1%
KEYPOINT $715,000 n/a 0.1%
DEEPHAVEN MORTGAGE LLC $485,000 $700,000 44.3% 0.1%
Armed Forces Bank $710,000 $680,000 -4.2% 0.1%
Commercial Bank of Texas $665,000 n/a 0.1%
GUILD MORTGAGE COMPANY $1,080,000 $630,000 -41.7% 0.1%
Watermark Capital, Inc. $625,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $790,000 $615,000 -22.2% 0.1%
HOMESIDE FINANCIAL, LLC $585,000 n/a 0.1%
GMFS LLC $630,000 $580,000 -7.9% 0.1%
White Sands Federal Credit Union $455,000 $570,000 25.3% 0.1%
Centennial Bank $745,000 $560,000 -24.8% 0.1%
EECU $545,000 n/a 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $540,000 n/a 0.1%
U.S. Bank $470,000 $530,000 12.8% 0.1%
Barrington Bank & Trust Company, N.A. $510,000 $520,000 2.0% 0.1%
Figure Lending LLC $520,000 n/a 0.1%
LIMA ONE CAPITAL, LLC $3,665,000 $520,000 -85.8% 0.1%
NexBank $1,720,000 $515,000 -70.1% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $835,000 $510,000 -38.9% 0.1%
The Bank & Trust $510,000 n/a 0.1%
Community National Bank $450,000 $490,000 8.9% 0.1%
Cornerstone First Mortgage, Inc $480,000 n/a 0.1%
Hometown Equity Mortgage, LLC $475,000 n/a 0.1%
AMPLIFY $65,000 $470,000 623.1% 0.1%
CANOPY MORTGAGE, LLC $460,000 n/a 0.1%
UNION SQUARE $235,000 $460,000 95.7% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $450,000 n/a 0.1%
BMO Harris Bank $445,000 n/a 0.1%
Encompass Lending Group, LP $435,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $660,000 $425,000 -35.6% 0.1%
Texas Mortgage Lending, LLC $85,000 $425,000 400.0% 0.1%
FLAT BRANCH MORTGAGE, INC. $175,000 $420,000 140.0% 0.1%
The Huntington National Bank $415,000 n/a 0.1%
Wallick & Volk, Inc. $195,000 $410,000 110.3% 0.1%
Carrington Mortgage Services, LLC $945,000 $405,000 -57.1% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $885,000 $405,000 -54.2% 0.1%
Mid-Continent Funding, Inc. $405,000 n/a 0.1%
First United Bank and Trust Company $385,000 $400,000 3.9% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,145,000 $400,000 -65.1% 0.1%
AMERICAN FINANCING CORPORATION $400,000 $390,000 -2.5% 0.1%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $390,000 n/a 0.1%
BOKF $385,000 n/a 0.1%
THE MORTGAGE LINK, INC. $385,000 n/a 0.1%
Equity Prime Mortgage LLC $380,000 n/a 0.1%
Paramount Bank $375,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $370,000 n/a 0.0%
NFM, INC. $370,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $805,000 $365,000 -54.7% 0.0%
GULF COAST EDUCATORS FEDERAL CREDIT UNION $365,000 n/a 0.0%
Logan Finance Corporation $365,000 n/a 0.0%
CSL Financial, LLC $355,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $225,000 $350,000 55.6% 0.0%
FIRST COMMUNITY MORTGAGE, INC. $330,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $330,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $325,000 n/a 0.0%
UNITED BUILT HOMES, L.L.C. $325,000 n/a 0.0%
OPEN MORTGAGE, LLC $1,600,000 $310,000 -80.6% 0.0%
LOANFLIGHT LENDING, LLC $305,000 n/a 0.0%
North American Savings Bank, F.S.B. $490,000 $305,000 -37.8% 0.0%
Truist $180,000 $305,000 69.4% 0.0%
V.I.P. MORTGAGE, INC. $280,000 $300,000 7.1% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $395,000 $285,000 -27.8% 0.0%
FORT WORTH CITY CREDIT UNION $285,000 n/a 0.0%
NETWORK CAPITAL FUNDING CORPORATION $535,000 $280,000 -47.7% 0.0%
Amarillo National Bank $180,000 $275,000 52.8% 0.0%
Ameris Bank $275,000 n/a 0.0%
Farmers Bank & Trust $275,000 n/a 0.0%
Charles Schwab Bank, SSB $265,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $565,000 $265,000 -53.1% 0.0%
Florida Capital Bank $265,000 n/a 0.0%
Loan Simple, Inc. $265,000 n/a 0.0%
SeaTrust Mortgage Company $265,000 n/a 0.0%
Fifth Third Bank $260,000 n/a 0.0%
First National Bank Texas $255,000 n/a 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $255,000 n/a 0.0%
Beeline Loans, Inc. $245,000 n/a 0.0%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $245,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $225,000 n/a 0.0%
First Bank $435,000 $225,000 -48.3% 0.0%
First Western Bank & Trust $225,000 n/a 0.0%
Northpointe Bank $225,000 n/a 0.0%
BAY-VALLEY MORTGAGE GROUP $165,000 $215,000 30.3% 0.0%
SOUTHWEST FUNDING, LP $215,000 n/a 0.0%
Citadel Servicing Corporation $205,000 n/a 0.0%
First Heritage Mortgage, LLC $205,000 n/a 0.0%
FOUNDATION MORTGAGE CORPORATION $205,000 n/a 0.0%
PREMIA MORTGAGE, LLC $205,000 n/a 0.0%
AMERISAVE MORTGAGE CORPORATION $965,000 $195,000 -79.8% 0.0%
Alliance Credit Union $185,000 n/a 0.0%
ARC HOME LLC $185,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $185,000 n/a 0.0%
Pecos County State Bank $185,000 n/a 0.0%
Sunflower Bank $85,000 $185,000 117.6% 0.0%
Texas State Bank $710,000 $185,000 -73.9% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $180,000 n/a 0.0%
CIS Financial Services, Inc. $180,000 n/a 0.0%
SPRING EQ, LLC $180,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $1,020,000 $175,000 -82.8% 0.0%
RBC Bank, (Georgia) $175,000 n/a 0.0%
Credit Union of Texas $195,000 $170,000 -12.8% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $460,000 $165,000 -64.1% 0.0%
Ally Bank $225,000 $155,000 -31.1% 0.0%
NATIONWIDE EQUITIES CORPORATION $155,000 n/a 0.0%
OCMBC, INC. $405,000 $155,000 -61.7% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $155,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $145,000 n/a 0.0%
Complex Community Federal Credit Union $470,000 $145,000 -69.1% 0.0%
GREATER TEXAS FEDERAL CREDIT UNION $135,000 n/a 0.0%
InterBank $1,505,000 $125,000 -91.7% 0.0%
Inwood National Bank $125,000 n/a 0.0%
Arvest Bank $115,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $210,000 $105,000 -50.0% 0.0%
LENDINGONE, LLC $105,000 n/a 0.0%
Affiliated Bank $85,000 n/a 0.0%
Farmers Bank & Trust Company $85,000 n/a 0.0%
First National Bank of America $85,000 n/a 0.0%
RANDOLPH-BROOKS $260,000 $85,000 -67.3% 0.0%
The First National Bank of McGregor $85,000 n/a 0.0%
SECURITY SERVICE $75,000 n/a 0.0%
Frost Bank $45,000 $70,000 55.6% 0.0%
Vista Bank $65,000 n/a 0.0%
Pinnacle Bank $55,000 n/a 0.0%
Regions Bank $660,000 $55,000 -91.7% 0.0%
American Airlines Federal Credit Union $25,000 $45,000 80.0% 0.0%
First United Bank $320,000 $25,000 -92.2% 0.0%

ABILENE's top lender by overall market share is First Financial Bank, with 21.4% market share. In second place, with 9.1%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $67,955,000 in loans. In third place, with 4.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $32,640,000 in loans. In fourth place, with 3.8%, is WALKER & DUNLOP, LLC, having originated $28,635,000 in loans. In fifth place, with 3.8%, is Mortgage Research Center, LLC, having originated $28,180,000 in loans.

ABILENE, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,337 $543,165,000 $232,420
Refi 324 $127,910,000 $394,784
Cash Out Refi 299 $46,555,000 $155,702
Other 145 $13,875,000 $95,690
Home Improvement 137 $14,345,000 $104,708
NA 1 $175,000 $175,000

Abilene's most frequently cited loan purpose was Home Purchase, with 2,337 originations. The 2nd most popular reason was Refi, with 324 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,295 $320,095,000 $247,178
7-8% 768 $162,850,000 $212,044
Over 8% 434 $54,410,000 $125,369
5-6% 406 $143,750,000 $354,064
4-5% 63 $17,295,000 $274,524
<2.5% 37 $1,735,000 $46,892
2.5-3% 9 $2,185,000 $242,778
3-4% 5 $1,145,000 $229,000

During 2024, Abilene's most frequently originated rate bucket was 6-7%, with 1,295 originations.

Loan Sizing (ABILENE, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,270 $345,850,000 $272,323
$100k-200k 1,083 $162,795,000 $150,319
$100,000 or less 600 $37,120,000 $61,867
$400k-600k 230 $107,920,000 $469,217
$600k-1000k 42 $29,650,000 $705,952
$Over $1MM 18 $62,690,000 $3,482,778

ABILENE's loan sizing saw the bucket of loans from $200k-400k with 1,270 originations, totaling $345,850,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,585 $389,975,000 $246,041
60-80% 576 $160,040,000 $277,847
40-60% 227 $47,785,000 $210,507
20-40% 215 $25,125,000 $116,860
Under 20% 173 $8,485,000 $49,046
Over 100% 164 $52,120,000 $317,805

ABILENE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,585 originations, totaling $389,975,000 in origination value.