Mortgage Lenders and Brokers in Gardendale, 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
Gardendale, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, West Texas National BankWest Texas National Bank101 E Avenue E, Alpine, TX 79830A5.0 ★Texas Ratio: 10.35%, Texas Tech Federal Credit UnionTexas Tech Federal Credit Union4001 Catclaw Dr, Abilene, TX 79606, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, PrimelendingPrimelendingDallas, TX, Right Start Mortgage, IncRight Start Mortgage, IncSan Antonio, TX, Directions Equity, LLCDirections Equity, LLCSan Antonio, TX, Highlands Residential Mortgage, Ltd.Highlands Residential Mortgage, Ltd.Allen, TX, Efinity Financial LLCEfinity Financial LLCAustin, TXA+5.0 ★Texas Ratio: 0.00%, and Complex Community Federal CUComplex Community Federal CUOdessa, TX. 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 Gardendale, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gardendale 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 Gardendale, Texas
Market share is the lender's share of all home loans closed in Gardendale, 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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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 3.1% | 100% | $415,000 | View |
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101 E Avenue E, Alpine, TX 79830 A5.0 ★Texas Ratio: 10.35% |
Conventional | 1 | 3.1% | 100% | $465,000 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional | 1 | 3.1% | 100% | $385,000 | |
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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 | |
Primelending
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Conventional, VA | 5 | 15.6% | 100% | $389,000 | |
Right Start Mortgage, Inc
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Conventional, FHA | 2 | 6.2% | 100% | $330,000 | |
Directions Equity, LLC
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FHA | 1 | 3.1% | 100% | $125,000 | |
Highlands Residential Mortgage, Ltd.
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FHA | 1 | 3.1% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 3.1% | 100% | $305,000 | View |
Complex Community Federal CU
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Conventional | 1 | 3.1% | 100% | $285,000 | |
21St Mortgage
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Conventional | 4 | 12.5% | 50% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 3 | 9.4% | 100% | $345,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 6.2% | 100% | $335,000 | |
Goodleap, LLC
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Conventional | 1 | 3.1% | 100% | $275,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 3.1% | 100% | $335,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 3.1% | 100% | $555,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 3.1% | 100% | $635,000 | View |
Waterstone Mortgage Corporation
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Conventional | 1 | 3.1% | 100% | $535,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 3.1% | 100% | $395,000 | |
Lower, LLC
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FHA | 1 | 3.1% | 100% | $315,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 3.1% | 100% | $405,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 3.1% | 100% | $65,000 |
Gardendale 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 Gardendale, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Gardendale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gardendale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gardendale, TX
Use these to narrow the list above. Each category shows how many Gardendale, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Gardendale, TX
Independent mortgage companies closed 68.8 percent of home loans in Gardendale, Texas in 2025, banks 25 percent and credit unions 6.2 percent. Right Start Mortgage, Inc was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Texas Tech Federal Credit Union the largest credit union. Among lenders headquartered in Texas, West Texas National Bank led with 1 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 Gardendale, TX
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Gardendale, Texas with 1 loans, about 3.1 percent of the market. The largest lender headquartered in Texas was West Texas National Bank with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Gardendale, Texas in 2025, led by Right Start Mortgage, Inc with 1. 2 lenders closed VA loans, led by Primelending. 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. 5 banks and 2 credit unions closed home loans in Gardendale, Texas in 2025, alongside 15 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 Gardendale, 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 Gardendale, 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 Gardendale. 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.
