First United Bank and Trust Company - Nationwide Branches

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Branch	Address	View Lobby Hours
Frisco/Lebanon Branch	Lebanon And Dallas Parkway, Frisco, TX 75034	View Lobby Hours
Pottsboro Branch	Highway 120 North And 996 West, Pottsboro, TX 75076	View Lobby Hours
West Main Street Branch	927-931 West Main Street, Denison, TX 75020	View Lobby Hours
Seguin West-Side Branch	901 N. Hwy. 46, Seguin, TX 78155	View Lobby Hours
Whitesboro Branch	851 Hwy. 377n, Whitesboro, TX 76273	View Lobby Hours
Temple Branch	7286 West Adams Avenue, Temple, TX 76502	View Lobby Hours
Horseshoe Bay Branch	6905 W Fm 2147, Horseshoe Bay, TX 78657	View Lobby Hours
Frisco/Preston Branch	6100 Preston Road, Frisco, TX 75034	View Lobby Hours
Midway Branch	5000 Texoma Parkway, Sherman, TX 75090	View Lobby Hours
Dallas Branch	8201 Preston Road, Suite 265, Dallas, TX 75225	View Lobby Hours
Schertz Branch	4917 Fm 3009, Schertz, TX 78154	View Lobby Hours
Marble Falls Branch	418 Highway 281, Marble Falls, TX 78654	View Lobby Hours
Independence Square Branch	401 Taylor Street, Sherman, TX 75090	View Lobby Hours
Medical Parkway Branch	4008 Medical Parkway, Austin, TX 78756	View Lobby Hours
Sherman-Travis Branch	400 North Travis, Sherman, TX 75090	View Lobby Hours
F.M. Road Branch	3326 F.M. Road 120, Denison, TX 75020	View Lobby Hours
Kingsland Branch	311 Ranch Road 2900, Kingsland, TX 78639	View Lobby Hours
Rollingwood Branch	2725 Bee Caves Rd, Rollingwood, TX 78746	View Lobby Hours
Spring Branch	20480 Sthwy. 46, Spring Branch, TX 78070	View Lobby Hours
American Bank Of Texas Branch	2011 Texoma Parkway, Sherman, TX 75090	View Lobby Hours
Leonard Branch	200 W Collins Street, Leonard, TX 75452	View Lobby Hours
Lakeway Branch	1913 620 South, Lakeway, TX 78734	View Lobby Hours
Seguin Austin Street Br	200 North Austin Street, Seguin, TX 78155	View Lobby Hours
Garden Ridge Branch	19099 Fm 2252, Garden Ridge, TX 78266	View Lobby Hours
Fredericksburg Branch	1710 North Llano, Fredericksburg, TX 78624	View Lobby Hours
Seguin East-Side Branch	1539 East Court Street, Seguin, TX 78155	View Lobby Hours
Bonham Branch	120 West Sam Rayburn Drive, Bonham, TX 75418	View Lobby Hours
Avery Ranch Branch	10526 Parmer Lane, Austin, TX 78717	View Lobby Hours
Fredericksburg Hospital Branch	1037 Highway 16 South, Fredericksburg, TX 78624	View Lobby Hours
Gainesville-Broadway Branch	101 East Broadway, Gainesville, TX 76240	View Lobby Hours
American Bank Of Texas	100 N. Preston Road, Building B, Prosper, TX 75078	View Lobby Hours
Norman East Banking Center	801 12th Avenue Northeast, Norman, OK 73069	View Lobby Hours
Norman Nw 24th Banking Center	570 Northwest 24th Avenue, Norman, OK 73070	View Lobby Hours
Norman Highway 9 West Banking Center	4925 Southeast 44th Street, Newcastle, OK 73065	View Lobby Hours
Maysville Banking Center	317 6th Street, Maysville, OK 73057	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1928741	5.813%	5.750% 0.75 points $2,205 fees	$1,868	Learn More
NMLS ID: 2059741	5.936%	5.875% 0.63 points $2,115 fees	$1,893	Learn More
NMLS ID: 2473786	5.973%	5.875% 0.75 points $3,396 fees	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans See Table	0.000 %	$0	Learn More More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice. REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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