Top Mortgage Lenders in Abilene, TX

Which mortgage lender in the Abilene, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Abilene, TX area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Abilene, TX area is Prosperity Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.14%. This means that Prosperity Bank provided a -0.14% lower interest rate for its customers than other lenders in Abilene, TX for a similar set of borrowers. Prosperity Bank has a market share of 1.8%. On the other hand, the most popular lender in the market is First Financial Bank, with a market share of 29.9%. First Financial Bank is an average rate lender in this area, with a “Rate Difference” of -0.09% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Abilene, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Abilene, TX is Prosperity Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Home Point Financial Corporation. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is First Financial Bank. The cheapest VA mortgage provider is also First Financial Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Abilene, TX

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Bank 1, -0.14% 1.75%
First Financial Bank 2, -0.09% 29.92%
Navy Federal Credit Union 3, -0.08% 1.60%
City Bank 4, -0.06% 10.83%
CMG Mortgage Inc 5, -0.06% 1.75%
Usaa Federal Savings Bank 6, -0.01% 2.96%
SWBC Mortgage Corporation 7, -0.01% 5.26%
Abilene Teachers FCU 8, 0.00% 3.36%
Home Point Financial Corporation 9, 0.00% 4.91%
Gateway First Bank 10, 0.00% 6.37%
Caliber Home Loans Inc 11, 0.05% 2.11%
Guild Mortgage Company 12, 0.06% 1.70%
Quicken Loans 13, 0.07% 5.06%
Guaranteed Rate Inc 14, 0.07% 4.66%
Primelending 15, 0.16% 14.29%
Fairway Independent Mort Corp 16, 0.18% 3.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Bank 1, -0.13% 2.13%
First Financial Bank 2, -0.13% 27.72%
Navy Federal Credit Union 3, -0.08% 1.88%
City Bank 4, -0.06% 12.58%
CMG Mortgage Inc 5, -0.06% 2.13%
Usaa Federal Savings Bank 6, -0.01% 3.07%
Home Point Financial Corporation 7, -0.00% 4.94%
SWBC Mortgage Corporation 8, -0.00% 5.57%
Gateway First Bank 9, 0.01% 7.01%
Caliber Home Loans Inc 10, 0.07% 2.25%
Guaranteed Rate Inc 11, 0.09% 5.63%
Guild Mortgage Company 12, 0.09% 1.31%
Quicken Loans 13, 0.09% 3.07%
Primelending 14, 0.18% 16.58%
Fairway Independent Mort Corp 15, 0.19% 4.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gateway First Bank 1, -0.04% 3.78%
Prosperity Bank 2, -0.04% 0.25%
Abilene Teachers FCU 3, -0.03% 16.88%
CMG Mortgage Inc 4, -0.03% 0.25%
City Bank 5, -0.03% 3.78%
Usaa Federal Savings Bank 6, -0.03% 2.52%
SWBC Mortgage Corporation 7, -0.03% 4.03%
Navy Federal Credit Union 8, -0.03% 0.50%
Caliber Home Loans Inc 9, -0.02% 1.51%
Guaranteed Rate Inc 10, -0.02% 0.76%
Fairway Independent Mort Corp 11, -0.02% 0.76%
Guild Mortgage Company 12, -0.02% 3.27%
Primelending 13, 0.01% 5.04%
First Financial Bank 14, 0.02% 38.79%
Quicken Loans 15, 0.02% 13.10%
Home Point Financial Corporation 16, 0.03% 4.79%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Bank 1, -0.14% 3.19%
Gateway First Bank 2, -0.10% 5.26%
City Bank 3, -0.06% 10.70%
First Financial Bank 4, -0.04% 38.22%
SWBC Mortgage Corporation 5, -0.01% 5.45%
Abilene Teachers FCU 6, 0.00% 6.29%
Navy Federal Credit Union 7, 0.03% 0.75%
Guild Mortgage Company 8, 0.03% 0.94%
Usaa Federal Savings Bank 9, 0.03% 0.66%
CMG Mortgage Inc 10, 0.04% 1.13%
Guaranteed Rate Inc 11, 0.05% 1.41%
Caliber Home Loans Inc 12, 0.06% 1.41%
Quicken Loans 13, 0.08% 7.51%
Home Point Financial Corporation 14, 0.09% 4.51%
Primelending 15, 0.12% 9.20%
Fairway Independent Mort Corp 16, 0.21% 3.38%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Prosperity Bank 1, -0.12% 4.57%
Gateway First Bank 2, -0.09% 6.37%
First Financial Bank 3, -0.07% 36.43%
City Bank 4, -0.05% 13.85%
SWBC Mortgage Corporation 5, 0.01% 6.37%
Usaa Federal Savings Bank 6, 0.05% 0.97%
Navy Federal Credit Union 7, 0.05% 0.97%
Guild Mortgage Company 8, 0.05% 0.97%
CMG Mortgage Inc 9, 0.06% 1.52%
Guaranteed Rate Inc 10, 0.08% 1.80%
Caliber Home Loans Inc 11, 0.08% 1.80%
Home Point Financial Corporation 12, 0.11% 4.57%
Quicken Loans 13, 0.14% 4.02%
Primelending 14, 0.16% 11.08%
Fairway Independent Mort Corp 15, 0.24% 4.71%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Gateway First Bank 1, -0.07% 2.92%
SWBC Mortgage Corporation 2, -0.04% 3.50%
Prosperity Bank 3, -0.04% 0.29%
Guaranteed Rate Inc 4, -0.04% 0.58%
Abilene Teachers FCU 5, -0.04% 19.53%
CMG Mortgage Inc 6, -0.03% 0.29%
City Bank 7, -0.03% 4.08%
Navy Federal Credit Union 8, -0.03% 0.29%
Fairway Independent Mort Corp 9, -0.02% 0.58%
Caliber Home Loans Inc 10, -0.02% 0.58%
Guild Mortgage Company 11, -0.02% 0.87%
Primelending 12, 0.01% 5.25%
Quicken Loans 13, 0.02% 14.87%
First Financial Bank 14, 0.02% 41.98%
Home Point Financial Corporation 15, 0.04% 4.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Financial Bank 1, -0.19% 21.25%
CMG Mortgage Inc 2, -0.18% 4.00%
Home Point Financial Corporation 3, -0.18% 5.75%
City Bank 4, -0.15% 10.50%
SWBC Mortgage Corporation 5, -0.10% 5.75%
Prosperity Bank 6, -0.02% 0.25%
Quicken Loans 7, 0.02% 4.50%
Caliber Home Loans Inc 8, 0.02% 3.50%
Guaranteed Rate Inc 9, 0.06% 8.25%
Guild Mortgage Company 10, 0.08% 4.50%
Gateway First Bank 11, 0.11% 8.75%
Fairway Independent Mort Corp 12, 0.13% 5.00%
Primelending 13, 0.30% 18.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.20% 5.13%
First Financial Bank 2, -0.20% 21.54%
CMG Mortgage Inc 3, -0.18% 4.10%
City Bank 4, -0.15% 10.77%
SWBC Mortgage Corporation 5, -0.10% 5.90%
Prosperity Bank 6, -0.02% 0.26%
Caliber Home Loans Inc 7, 0.02% 3.59%
Quicken Loans 8, 0.02% 4.36%
Guaranteed Rate Inc 9, 0.06% 8.46%
Guild Mortgage Company 10, 0.10% 3.33%
Gateway First Bank 11, 0.11% 8.97%
Fairway Independent Mort Corp 12, 0.13% 5.13%
Primelending 13, 0.30% 18.46%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.03% 30.00%
Quicken Loans 2, -0.00% 10.00%
First Financial Bank 3, 0.01% 10.00%
Guild Mortgage Company 4, 0.02% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, -0.00% 25.00%
Fairway Independent Mort Corp 2, -0.00% 25.00%
First Financial Bank 3, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fairway Independent Mort Corp 1, -0.00% 33.33%
First Financial Bank 2, 0.00% 66.67%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Home Point Financial Corporation 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Financial Bank 1, -0.19% 19.58%
Navy Federal Credit Union 2, -0.11% 4.56%
City Bank 3, -0.02% 11.41%
Usaa Federal Savings Bank 4, -0.01% 9.89%
Home Point Financial Corporation 5, 0.01% 4.94%
Guild Mortgage Company 6, 0.01% 1.14%
CMG Mortgage Inc 7, 0.02% 1.33%
Gateway First Bank 8, 0.05% 6.84%
Quicken Loans 9, 0.05% 0.57%
Caliber Home Loans Inc 10, 0.07% 2.47%
SWBC Mortgage Corporation 11, 0.09% 4.56%
Guaranteed Rate Inc 12, 0.09% 8.56%
Primelending 13, 0.11% 21.86%
Fairway Independent Mort Corp 14, 0.16% 2.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Financial Bank 1, -0.20% 19.46%
Navy Federal Credit Union 2, -0.12% 4.76%
City Bank 3, -0.02% 12.22%
Usaa Federal Savings Bank 4, -0.02% 8.70%
Home Point Financial Corporation 5, 0.01% 5.38%
CMG Mortgage Inc 6, 0.02% 1.45%
Guild Mortgage Company 7, 0.03% 0.21%
Quicken Loans 8, 0.06% 0.62%
Gateway First Bank 9, 0.06% 6.42%
Guaranteed Rate Inc 10, 0.09% 9.11%
Caliber Home Loans Inc 11, 0.09% 1.86%
SWBC Mortgage Corporation 12, 0.09% 4.14%
Primelending 13, 0.11% 23.40%
Fairway Independent Mort Corp 14, 0.17% 2.28%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Financial Bank 1, -0.03% 20.93%
Guild Mortgage Company 2, -0.01% 11.63%
Fairway Independent Mort Corp 3, -0.00% 2.33%
Usaa Federal Savings Bank 4, 0.00% 23.26%
Caliber Home Loans Inc 5, 0.00% 9.30%
City Bank 6, 0.00% 2.33%
Navy Federal Credit Union 7, 0.01% 2.33%
Primelending 8, 0.01% 4.65%
Gateway First Bank 9, 0.02% 11.63%
Guaranteed Rate Inc 10, 0.03% 2.33%
SWBC Mortgage Corporation 11, 0.04% 9.30%

* Data is compiled for the Abilene, TX commuting zone area, which comprises of counties of Callahan County, TX, Fisher County, TX, Jones County, TX, Nolan County, TX, Shackelford County, TX, and Taylor County, TX. This includes cities/towns/communities of Abilene, TX as well as Tuscola, TX, Clyde, TX, Sweetwater, TX, Merkel, TX, Hawley, TX, Baird, TX, Albany, TX, Roscoe, TX, Roby, TX, Anson, TX, Hamlin, TX, Tye, TX, Rotan, TX, and Stamford, TX. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Abilene, TX area. For mortgage lender rankings of other cities, click here.