Mortgage Lenders and Brokers in Bandera, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bandera, Texas mortgage lenders include TXN BankTXN Bank355 Highway 16 South, Bandera, TX 78003A5.0 ★Texas Ratio: 6.40%, Wells Fargo Bank NAWells Fargo Bank NA900 Main Street, Bandera, TX 78003A+5.0 ★Texas Ratio: 5.36%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, Jefferson BankJefferson Bank114 W 7th Street Suite 100, Austin, TX 78701A5.0 ★Texas Ratio: 6.02%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, The First National Bank of SonoraThe First National Bank of Sonora122 W Bandera Rd, Boerne, TX 78006C+4.1 ★Texas Ratio: 26.35%, and Huntington National BankHuntington National Bank3800 Matlock Rd, Arlington, TX 76015A+5.0 ★Texas Ratio: 3.66%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bandera, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bandera are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bandera, Texas
Market share is the lender's share of all home loans closed in Bandera, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Bandera 355 Highway 16 South, Bandera, TX 78003 A5.0 ★Texas Ratio: 6.40% |
Conventional | 3 | 1.5% | 100% | $155,000 | View |
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1 office in Bandera 900 Main Street, Bandera, TX 78003 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional, HELOC | 8 +2 HELOCs |
4% | 80% | $217,500 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 5 +1 HELOCs |
2.5% | 62.5% | $183,000 | View |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 4 | 2% | 80% | $392,500 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $595,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional, FHA | 2 | 1% | 100% | $325,000 | |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 2 | 1% | 66.7% | $145,000 | View |
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122 W Bandera Rd, Boerne, TX 78006 C+4.1 ★Texas Ratio: 26.35% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
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3800 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $315,000 | View |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.5% | 100% | $145,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
VA | 1 | 0.5% | 100% | $265,000 | View |
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115 County Road 4718, Castroville, TX 78009 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
Greater Texas FCU
1425 N CENTER ST, ARLINGTON, TX 76011 |
Conventional | 1 | 0.5% | 100% | $345,000 | |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 100% | $685,000 | View |
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11610 Bee Caves Rd, Bee Cave, TX 78738 A-5.0 ★Texas Ratio: 14.71% |
Conventional | 1 | 0.5% | 100% | $245,000 | View |
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840 13th St, Hempstead, TX 77445 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 1 | 0.5% | 100% | $385,000 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional | 1 | 0.5% | 100% | $295,000 | |
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911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.5% | 50% | $555,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
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1402 W Stassney LN, Austin, TX 78745 2948 A5.0 ★Texas Ratio: 11.13% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
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1100 NW Loop 410 Ste 101, Castle Hills, TX 78213 2263 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.5% | 100% | $85,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gardner Financial Services
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Conventional, FHA, VA | 6 | 3% | 100% | $268,333 | |
Right Start Mortgage, Inc
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Conventional, FHA, VA | 5 | 2.5% | 100% | $243,000 | |
Primelending
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Conventional, FHA | 2 | 1% | 100% | $305,000 | |
Directions Equity, LLC
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VA | 2 | 1% | 100% | $465,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 1% | 100% | $325,000 | |
SWBC Mortgage Corporation
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VA, Jumbo | 1 | 0.5% | 100% | $1,275,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Clm Mortgage, Inc
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VA | 1 | 0.5% | 100% | $445,000 | |
Texas Partners Bank
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Conventional | 1 | 0.5% | 100% | $745,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.5% | 100% | $355,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.5% | 66.7% | $85,000 | |
Wagon Hill Home Loans LLC
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Conventional | 1 | 0.5% | 100% | $785,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.5% | 100% | $765,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
10% | 72.4% | $219,500 | View |
United Wholesale Mortgage
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Conventional, VA, Jumbo | 13 | 6.5% | 77.8% | $530,384 | |
21St Mortgage
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Conventional | 11 | 5.5% | 45.8% | $134,090 | |
Mortgage Research Center
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Conventional, VA, Jumbo | 6 | 3% | 75% | $421,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 3% | 75% | $295,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 3% | 85.7% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 4 | 2% | 100% | $317,500 | View |
Cmg Mortgage Inc
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Conventional, VA | 4 | 2% | 100% | $470,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
1.5% | 100% | $235,000 | |
Kind Lending, LLC
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Conventional | 3 | 1.5% | 75% | $515,000 | |
Movement Mortgage, LLC
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Conventional | 3 | 1.5% | 100% | $351,666 | |
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B+4.8 ★Texas Ratio: 17.16% |
FHA, VA | 3 | 1.5% | 100% | $395,000 | View |
Calcon Mutual Mortgage LLC
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Conventional | 3 | 1.5% | 75% | $435,000 | |
Plaza Home Mortgage, Inc
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Conventional, USDA | 3 | 1.5% | 75% | $508,333 | |
Liberty Federal Credit Union
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Conventional, Jumbo | 2 | 1% | 100% | $1,095,000 | |
loanDepot.com LLC
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Conventional | 2 | 1% | 100% | $130,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 1% | 60% | $160,000 | View |
Loanunited.Com, LLC
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FHA, VA | 2 | 1% | 100% | $405,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 1% | 66.7% | $125,000 | |
Sun West Mortgage Company, Inc
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VA | 2 | 1% | 100% | $475,000 | |
Planet Home Lending, LLC
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VA | 2 | 1% | 100% | $375,000 | |
New Fed Mortgage Corp.
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Conventional | 2 | 1% | 100% | $265,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 1% | 100% | $555,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 1% | 50% | $390,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $105,000 | |
Cadence Bank
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VA | 1 | 0.5% | 100% | $715,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $455,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.5% | 100% | $625,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.5% | 100% | $195,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.5% | 100% | $195,000 | |
Newrez LLC
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VA | 1 | 0.5% | 66.7% | $365,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $415,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.5% | 50% | $75,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.5% | 100% | $805,000 | View |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $445,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.5% | 100% | $395,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 4.25% |
Conventional | 1 | 0.5% | 100% | $175,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.5% | 100% | $375,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $355,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 50% | $305,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.5% | 100% | $465,000 | |
Mld Mortgage, Inc.Dba the Money Store
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VA | 1 | 0.5% | 100% | $335,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.5% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $445,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bandera Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bandera, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Bandera? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bandera in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bandera, TX
Use these to narrow the list above. Each category shows how many Bandera, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Bandera, TX
Independent mortgage companies closed 71.5 percent of home loans in Bandera, Texas in 2025, banks 14.5 percent and credit unions 14 percent. Everett Financial, Inc. was the largest mortgage company, TXN Bank the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, TXN Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bandera, TX
By home loans closed in 2025, TXN Bank was the largest mortgage lender in Bandera, Texas with 3 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Bandera, Texas in 2025, led by Right Start Mortgage, Inc with 2. 24 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 21 banks and 12 credit unions closed home loans in Bandera, Texas in 2025, alongside 58 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bandera, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bandera, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bandera. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
