Mortgage Lenders and Brokers in Carlsbad, 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
Carlsbad, Texas mortgage lenders include First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%, The Bank & Trust, s.s.b.The Bank & Trust, s.s.b.118 West Bandera Road, Boerne, TX 78006A+5.0 ★Texas Ratio: 0.36%, Alliance Credit UnionAlliance Credit Union9404 Hillside Rd, Amarillo, TX 79119A+5.0 ★Texas Ratio: 4.84%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Citizens State BankCitizens State Bank224 N Main St, Anton, TX 79313, Texas Trust Credit UnionTexas Trust Credit Union2501 E Pioneer Pkwy, Arlington, TX 76010 8365A5.0 ★Texas Ratio: 6.31%, 1st Community Federal Credit Union1st Community Federal Credit Union121 N 8th St, Ballinger, TX 76821A-4.9 ★Texas Ratio: 16.68%, The First National Bank of SonoraThe First National Bank of Sonora122 W Bandera Rd, Boerne, TX 78006C+4.1 ★Texas Ratio: 26.35%, MidFirst BankMidFirst Bank1920 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 4.93%, and Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%. 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 Carlsbad, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carlsbad 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 Carlsbad, Texas
Market share is the lender's share of all home loans closed in Carlsbad, 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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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional, FHA, VA | 13 | 9.2% | 81.2% | $299,615 | View |
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118 West Bandera Road, Boerne, TX 78006 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 5 | 3.5% | 100% | $237,000 | View |
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9404 Hillside Rd, Amarillo, TX 79119 A+5.0 ★Texas Ratio: 4.84% |
FHA, VA | 3 | 2.1% | 100% | $341,666 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 1.4% | 100% | $335,000 | View |
Citizens State Bank
224 N Main St, Anton, TX 79313 |
Conventional | 2 | 1.4% | 100% | $275,000 | |
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2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31% |
Conventional | 2 | 1.4% | 66.7% | $160,000 | View |
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121 N 8th St, Ballinger, TX 76821 A-4.9 ★Texas Ratio: 16.68% |
Conventional | 2 | 1.4% | 50% | $205,000 | View |
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122 W Bandera Rd, Boerne, TX 78006 C+4.1 ★Texas Ratio: 26.35% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
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1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 0.7% | 100% | $1,005,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.7% | 100% | $375,000 | View |
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1967 W Beauregard Ave, San Angelo, TX 76901 A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Servis One, Inc
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FHA, VA | 2 | 1.4% | 100% | $240,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.7% | 20% | $35,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 0.7% | 100% | $345,000 | |
Gardner Financial Services
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FHA | 1 | 0.7% | 100% | $355,000 | |
Mortgage Financial Services
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Conventional, FHA, VA | 20 | 14.2% | 100% | $328,500 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 12 | 8.5% | 92.3% | $318,333 | |
T2 Financial LLC
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Conventional, FHA | 11 | 7.8% | 91.7% | $301,363 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.4% | 90% | $337,222 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA | 8 | 5.7% | 81.8% | $352,500 | View |
Mortgage Research Center
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VA | 5 | 3.5% | 62.5% | $353,000 | |
Freedom Mortgage Corporation
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VA | 4 | 2.8% | 83.3% | $330,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 3 | 2.1% | 100% | $315,000 | |
21St Mortgage
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Conventional | 3 | 2.1% | 42.9% | $115,000 | |
Kind Lending, LLC
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FHA, VA | 2 | 1.4% | 66.7% | $325,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 2 | 1.4% | 100% | $75,000 | View |
The Mortgage Link, Inc.
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Conventional, FHA | 2 | 1.4% | 100% | $310,000 | |
Village Capital & Investment
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VA | 2 | 1.4% | 100% | $430,000 | |
Guaranteed Rate, Inc.
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VA | 1 | 0.7% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.7% | 50% | $185,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $305,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 100% | $75,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.7% | 33.3% | $175,000 | View |
Movement Mortgage, LLC
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VA | 1 | 0.7% | 100% | $455,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.7% | 50% | $315,000 | View |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.7% | 100% | $315,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.7% | 100% | $335,000 | |
SIRVA Mortgage, Inc.
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Conventional | 1 | 0.7% | 100% | $315,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.7% | 100% | $185,000 | |
Cambria Financial Group
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FHA | 1 | 0.7% | 100% | $295,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $115,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.7% | 100% | $345,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $245,000 | |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.7% | 100% | $275,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.7% | 100% | $215,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Carlsbad 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 Carlsbad, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Carlsbad? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carlsbad in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Carlsbad, TX
Use these to narrow the list above. Each category shows how many Carlsbad, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Carlsbad, TX
Independent mortgage companies closed 72.3 percent of home loans in Carlsbad, Texas in 2025, banks 19.1 percent and credit unions 8.5 percent. Servis One, Inc was the largest mortgage company, First Financial Bank the largest bank and Alliance Credit Union the largest credit union. Among lenders headquartered in Texas, First Financial Bank led with 13 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 Carlsbad, TX
By home loans closed in 2025, First Financial Bank was the largest mortgage lender in Carlsbad, Texas with 13 loans, about 9.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Carlsbad, Texas in 2025, led by Mortgage Financial Services with 10. 18 lenders closed VA loans, led by United Wholesale Mortgage. 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. 10 banks and 6 credit unions closed home loans in Carlsbad, Texas in 2025, alongside 33 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 Carlsbad, 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 Carlsbad, 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 Carlsbad. 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.
