Independent Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
West Lake Hills Branch	101 Westlake Dr., Suite 110, Austin, TX 78746	View Lobby Hours
Argyle Branch	100 South Old Town, Argyle, TX 76226	View Lobby Hours
Grapevine Branch	1002 Texan Trail, Grapevine, TX 76051	View Lobby Hours
Prosper Branch	900 N. Preston Rd., Prosper, TX 75078	View Lobby Hours
Waco Branch	8004 Woodway Drive, Waco, TX 76712	View Lobby Hours
Collinsville Branch	715 Highway 377 North, Collinsville, TX 76233	View Lobby Hours
West Mckinney Branch	6751 Virginia Parkway, Mckinney, TX 75071	View Lobby Hours
Coppell Branch	654 N. Denton Tap Road, Coppell, TX 75019	View Lobby Hours
Bosque Branch	5401 Bosque Blvd, Waco, TX 76710	View Lobby Hours
Round Rock Branch	4420 Sunrise Road, Round Rock, TX 78664	View Lobby Hours
Denison Branch	331 West Main Street, Denison, TX 75021	View Lobby Hours
Lakeway Branch	3209 Ranch Road 620 South, Austin, TX 78738	View Lobby Hours
Plano Branch	2701 Dallas Parkway Suite 100, Plano, TX 75093	View Lobby Hours
Independent Bank	3090 Craig Drive, Mckinney, TX 75070	View Lobby Hours
Sherman Branch	300 E. Taylor, Sherman, TX 75091	View Lobby Hours
Celina Branch	290 S. Preston Road, Celina, TX 75009	View Lobby Hours
Little Elm Branch	229 Eldorado Parkway, Little Elm, TX 75068	View Lobby Hours
Farmersville Branch	223 Mckinney, Farmersville, TX 75442	View Lobby Hours
Uptown Branch	2100 Mckinney Ave Suite 1200, Dallas, TX 75201	View Lobby Hours
Highland Village Branch	2100 Fm 407, Lewisville, TX 75077	View Lobby Hours
Whitewright Branch	201 W. Grand, Whitewright, TX 75491	View Lobby Hours
Redbud Branch	1600 Redbud, Mckinney, TX 75069	View Lobby Hours
Georgetown Branch	1503 Rivery Blvd., Georgetown, TX 78628	View Lobby Hours
Princeton Branch	1490 Princeton Oaks Drive, Princeton, TX 75407	View Lobby Hours
Manor Branch	11250 Sthy 290 East, Manor, TX 78653	View Lobby Hours
Van Alstyne Branch	1270 W. Stephens, Van Alstyne, TX 75495	View Lobby Hours
Detached Motor Branch	102 South Johnson Street, Farmersville, TX 75442	View Lobby Hours
Austin Branch	1011 West 40th St., Austin, TX 78756	View Lobby Hours
Anna Branch	101 S. Powell Parkway, Anna, TX 75409	View Lobby Hours
Lavon Branch	1009 N. State Hwy. 78, Lavon, TX 75166	View Lobby Hours
Howe Branch	100 South Denny Street, Howe, TX 75459	View Lobby Hours
Messenger Service	Denton County Area, Denton, TX 76201	View Lobby Hours
Flower Mound Branch	2881 Cross Timbers Road, Flower Mound, TX 75028	View Lobby Hours
Acton Branch	3301 Fall Creek Hwy, Acton, TX 76049	View Lobby Hours
Burleson Branch	201 West Ellison Street, Burleson, TX 76028	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 292473	5.772%	5.625% 1.00 points $5,185 fees	$1,843	Learn More
NMLS ID: 399799	6.105%	6.000% 0.75 points $3,753 fees	$1,919	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
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
Reliant Home Funding, Inc See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, 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 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. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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