Mortgage Lenders and Brokers in Garden Ridge, 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
Garden Ridge, Texas mortgage lenders include First United Bank and Trust CoFirst United Bank and Trust Co19099 Fm 2252, Garden Ridge, TX 78266A5.0 ★Texas Ratio: 10.43%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, International Bank of CommerceInternational Bank of Commerce1421 W Frontage Rd, Alamo, TX 78516, Jefferson BankJefferson Bank114 W 7th Street Suite 100, Austin, TX 78701A5.0 ★Texas Ratio: 6.02%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Regions BankRegions Bank1337 W Mcdermott Dr, Allen, TX 75013A+5.0 ★Texas Ratio: 4.37%, and Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%. 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 Garden Ridge, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Garden Ridge 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 Garden Ridge, Texas
Market share is the lender's share of all home loans closed in Garden Ridge, 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 Garden Ridge 19099 Fm 2252, Garden Ridge, TX 78266 A5.0 ★Texas Ratio: 10.43% |
Conventional, HELOC | 3 +2 HELOCs |
1.7% | 100% | $381,666 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional, HELOC | 17 +4 HELOCs |
9.6% | 87.5% | $267,352 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, VA, Jumbo | 12 | 6.7% | 100% | $647,500 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, VA, Jumbo | 10 | 5.6% | 100% | $826,000 | 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 | 4 +1 HELOCs |
2.2% | 100% | $375,000 | View |
International Bank of Commerce
1421 W Frontage Rd, Alamo, TX 78516 |
Conventional | 2 | 1.1% | 100% | $440,000 | |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 2 | 1.1% | 100% | $315,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 50% | $785,000 | View |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,125,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $305,000 | View |
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792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05% |
Conventional, Jumbo | 1 | 0.6% | 100% | $995,000 | View |
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1301 Oak Street, Jourdanton, TX 78026 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.6% | 100% | $145,000 | View |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
VA | 1 | 0.6% | 100% | $725,000 | |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.6% | 100% | $365,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +4 HELOCs |
0% | 33.3% | View | |
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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Clm Mortgage, Inc
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Conventional, VA, Jumbo | 11 | 6.2% | 100% | $825,000 | |
Gardner Financial Services
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Conventional, VA, Jumbo | 6 | 3.4% | 100% | $700,000 | |
Right Start Mortgage, Inc
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Conventional | 4 | 2.2% | 80% | $647,500 | |
Primelending
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Conventional, VA, Jumbo | 3 | 1.7% | 100% | $585,000 | |
Directions Equity, LLC
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Conventional, VA, Jumbo | 3 | 1.7% | 100% | $791,666 | |
Highlands Residential Mortgage, Ltd.
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Conventional, VA, Jumbo | 3 | 1.7% | 100% | $901,666 | |
SWBC Mortgage Corporation
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FHA, VA | 2 | 1.1% | 100% | $410,000 | |
Southwest Funding LP
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Conventional, VA, Jumbo | 2 | 1.1% | 100% | $895,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.6% | 100% | $555,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Certified Funding, L.P.
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Conventional | 1 | 0.6% | 100% | $315,000 | |
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, VA, Jumbo | 16 | 9% | 94.7% | $657,500 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, VA, Jumbo | 8 | 4.5% | 53.3% | $473,750 | View |
Pennymac Loan Services LLC
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Conventional, VA | 8 | 4.5% | 100% | $233,750 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, Jumbo | 4 | 2.2% | 100% | $720,000 | |
Village Capital & Investment
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FHA, VA, Jumbo | 4 | 2.2% | 100% | $810,000 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.7% | 80% | $565,000 | |
Newrez LLC
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Conventional | 3 | 1.7% | 100% | $205,000 | |
Toll Brothers Mortgage Company
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Conventional, VA, Jumbo | 3 | 1.7% | 100% | $918,333 | |
Fairway Independent Mort Corp
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Conventional, VA | 3 | 1.7% | 100% | $561,666 | |
Royal United Mortgage LLC
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Conventional | 2 | 1.1% | 66.7% | $160,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 1.1% | 22.2% | $405,000 | |
Cmg Mortgage Inc
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Conventional, VA, Jumbo | 2 | 1.1% | 100% | $1,355,000 | |
ClearPath Lending
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VA, Jumbo | 2 | 1.1% | 100% | $705,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.1% | 100% | $750,000 | View |
Mortgage Research Center
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VA, Jumbo | 2 | 1.1% | 100% | $790,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.6% | 50% | $585,000 | |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.6% | 100% | $525,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $565,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.6% | 100% | $695,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.6% | 100% | $365,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.6% | 100% | $425,000 | |
Kind Lending, LLC
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VA | 1 | 0.6% | 33.3% | $795,000 | |
AmeriHome Mortgage Company, LLC
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VA, Jumbo | 1 | 0.6% | 100% | $885,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.6% | 100% | $585,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.6% | 100% | $495,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.6% | 100% | $655,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.6% | 100% | $585,000 | |
American Pacific Mortgage Corporation
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Conventional, Jumbo | 1 | 0.6% | 100% | $825,000 | |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.6% | 100% | $545,000 | |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.6% | 100% | $555,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $335,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Garden Ridge 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 Garden Ridge, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Garden Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Garden Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Garden Ridge, TX
Use these to narrow the list above. Each category shows how many Garden Ridge, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Garden Ridge, TX
Independent mortgage companies closed 69.7 percent of home loans in Garden Ridge, Texas in 2025, banks 14.6 percent and credit unions 15.7 percent. Pilgrim Mortgage LLC was the largest mortgage company, First United Bank and Trust Co the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Randolph-Brooks Federal Credit Union led with 17 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 Garden Ridge, TX
By home loans closed in 2025, First United Bank and Trust Co was the largest mortgage lender in Garden Ridge, Texas with 3 loans, about 1.7 percent of the market. The largest lender headquartered in Texas was Randolph-Brooks Federal Credit Union with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
4 lenders closed FHA loans in Garden Ridge, Texas in 2025, led by SWBC Mortgage Corporation with 1. 28 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. 14 banks and 7 credit unions closed home loans in Garden Ridge, Texas in 2025, alongside 44 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 Garden Ridge, 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 Garden Ridge, 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 Garden Ridge. 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.
