Mortgage Lenders and Brokers in Kerrville, 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
Kerrville, Texas mortgage lenders include Security State Bank & TrustSecurity State Bank & Trust1130 Junction Hwy, Kerrville, TX 78028A-5.0 ★Texas Ratio: 14.71%, Centennial BankCentennial Bank1145 Junction Hwy, Kerrville, TX 78028A+5.0 ★Texas Ratio: 3.14%, Broadway National BankBroadway National Bank620 Main St, Kerrville, TX 78028A+5.0 ★Texas Ratio: 1.69%, The Bank & Trust, s.s.b.The Bank & Trust, s.s.b.520 Thompson Dr, Kerrville, TX 78028A+5.0 ★Texas Ratio: 0.36%, Wells Fargo Bank NAWells Fargo Bank NA222 Sidney Baker St S, Kerrville, TX 78028A+5.0 ★Texas Ratio: 5.36%, Frost BankFrost Bank525 Main St, Kerrville, TX 78028A+5.0 ★Texas Ratio: 2.51%, SouthStar Bank SSBSouthStar Bank SSB1101 Junction Hwy, Kerrville, TX 78028A5.0 ★Texas Ratio: 7.03%, Sunflower Bank, N.A.Sunflower Bank, N.A.600 Main St, Kerrville, TX 78028A5.0 ★Texas Ratio: 10.77%, PNC Bank N.A.PNC Bank N.A.1425 Sidney Baker St, Kerrville, TX 78028A+5.0 ★Texas Ratio: 4.24%, and Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union1801 Sidney Baker St, Kerrville, TX 78028 2643A+5.0 ★Texas Ratio: 5.89%. 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 Kerrville, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Kerrville 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 Kerrville, Texas
Market share is the lender's share of all home loans closed in Kerrville, 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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2 offices in Kerrville 1130 Junction Hwy, Kerrville, TX 78028 A-5.0 ★Texas Ratio: 14.71% |
Conventional, VA, Jumbo | 22 | 4% | 93.1% | $210,000 | View |
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2 offices in Kerrville 1145 Junction Hwy, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 3.14% |
Conventional, VA, Jumbo | 15 | 2.7% | 88.2% | $394,333 | View |
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1 office in Kerrville 620 Main St, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 1.69% |
Conventional, VA, Jumbo | 13 | 2.3% | 65% | $280,384 | View |
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1 office in Kerrville 520 Thompson Dr, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 0.36% |
Conventional | 9 | 1.6% | 82.4% | $296,111 | View |
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1 office in Kerrville 222 Sidney Baker St S, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 8 | 1.4% | 80% | $213,750 | View |
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★ 5 stars, 1 review 1 office in Kerrville 525 Main St, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $195,000 | View |
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★ 5 stars, 1 review 1 office in Kerrville 1101 Junction Hwy, Kerrville, TX 78028 A5.0 ★Texas Ratio: 7.03% |
Conventional | 2 | 0.4% | 100% | $435,000 | View |
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1 office in Kerrville 600 Main St, Kerrville, TX 78028 A5.0 ★Texas Ratio: 10.77% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,175,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Kerrville 1425 Sidney Baker St, Kerrville, TX 78028 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1801 Sidney Baker St, Kerrville, TX 78028 2643 A+5.0 ★Texas Ratio: 5.89% |
Conventional, VA, Jumbo, HELOC | 47 +5 HELOCs |
8.5% | 83.9% | $165,425 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, FHA, VA, Jumbo | 19 | 3.4% | 100% | $396,578 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +1 HELOCs |
0.9% | 100% | $353,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 5 | 0.9% | 62.5% | $277,000 | 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 | 3 +1 HELOCs |
0.5% | 100% | $278,333 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 0.5% | 60% | $381,666 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 2 | 0.4% | 100% | $470,000 | View |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 2 | 0.4% | 100% | $210,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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101 W Main St, Atlanta, TX 75551 A+5.0 ★Texas Ratio: 1.12% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
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3800 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.2% | 100% | $595,000 | View |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70% |
Conventional, Jumbo | 1 | 0.2% | 100% | $865,000 | View |
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100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94% |
Conventional, Jumbo | 1 | 0.2% | 100% | $4,255,000 | View |
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2707 W Northwest Hwy, Dallas, TX 75220 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.2% | 100% | $615,000 | View |
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401 S Main St, Mc Gregor, TX 76657 C3.8 ★Texas Ratio: 29.33% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,465,000 | View |
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5600 Burnet Rd, Austin, TX 78756 A+5.0 ★Texas Ratio: 2.06% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,405,000 | View |
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713 Us Highway 271 N, Gilmer, TX 75644 C-3.6 ★Texas Ratio: 31.68% |
Conventional, Jumbo | 1 | 0.2% | 100% | $5,505,000 | View |
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2000 N Main St, Belton, TX 76513 A+5.0 ★Texas Ratio: 0.26% |
Conventional | 1 | 0.2% | 50% | $195,000 | View |
Texas Tech Federal Credit Union
4001 Catclaw Dr, Abilene, TX 79606 |
Conventional | 1 | 0.2% | 100% | $515,000 | |
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1147 Cantwell Ln, Corpus Christi, TX 78407 A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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200 W Main St, Arlington, TX 76010 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 1 | 0.2% | 100% | $965,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.2% | 50% | $275,000 | View |
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124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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840 13th St, Hempstead, TX 77445 A+5.0 ★Texas Ratio: 2.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Gardner Financial Services
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Conventional, FHA, VA | 13 | 2.3% | 100% | $344,230 | |
FocusOne Mortgage, LLC
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Conventional | 3 | 0.5% | 75% | $151,666 | |
SWBC Mortgage Corporation
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Conventional, VA, Jumbo | 3 | 0.5% | 80% | $981,666 | |
Texas Partners Bank
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Conventional | 3 | 0.5% | 75% | $261,666 | |
Credit Human Federal Credit Un
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Conventional | 3 | 0.5% | 25% | $81,666 | |
Nationstar Mortgage
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Conventional | 3 | 0.5% | 75% | $171,666 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.5% | 100% | $218,333 | View |
Network Funding, L.P.
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Conventional, VA | 2 | 0.4% | 100% | $580,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 2 | 0.4% | 100% | $320,000 | |
American Airlines Federal Cred
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Directions Equity, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
Willow Bend Mortgage Company, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 0.92% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
Right Start Mortgage, Inc
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Conventional | 1 | 0.2% | 50% | $475,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 53 | 9.5% | 82.4% | $263,490 | View |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA, VA, USDA | 40 | 7.2% | 100% | $277,750 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA | 30 | 5.4% | 81.1% | $259,333 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 28 | 5% | 96.9% | $351,428 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA, VA | 25 | 4.5% | 100% | $308,200 | |
Mortgage Research Center
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Conventional, VA | 14 | 2.5% | 70% | $309,285 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA, VA | 13 | 2.3% | 100% | $370,384 | |
Newrez LLC
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Conventional, FHA, VA | 11 | 2% | 64.7% | $280,454 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 9 | 1.6% | 90% | $278,333 | View |
Cmg Mortgage Inc
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Conventional, FHA, USDA, Jumbo | 7 | 1.3% | 100% | $386,428 | |
21St Mortgage
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Conventional | 7 | 1.3% | 36.8% | $119,285 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 1.3% | 50% | $120,714 | |
New Fed Mortgage Corp.
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Conventional, FHA, VA | 5 | 0.9% | 62.5% | $317,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 0.9% | 62.5% | $229,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.7% | 80% | $285,000 | |
Guaranteed Rate, Inc.
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FHA, VA | 4 | 0.7% | 100% | $317,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 4 | 0.7% | 66.7% | $522,500 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +6 HELOCs |
0.5% | 100% | $325,000 | View |
Royal United Mortgage LLC
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Conventional | 3 | 0.5% | 100% | $205,000 | |
CrossCountry Mortgage, LLC
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FHA, VA | 3 | 0.5% | 100% | $418,333 | |
Discover Bank
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Conventional | 3 | 0.5% | 42.9% | $118,333 | |
Towne Mortgage Company
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FHA, VA | 3 | 0.5% | 100% | $275,000 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.5% | 60% | $281,666 | |
loanDepot.com LLC
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FHA, VA, HELOC | 2 +1 HELOCs |
0.4% | 50% | $230,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.4% | 100% | $200,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.4% | 50% | $65,000 | |
Nbkc Bank
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Conventional, VA | 2 | 0.4% | 100% | $490,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 0.4% | 31.2% | $140,000 | View |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 2 | 0.4% | 100% | $325,000 | View |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $145,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 0.4% | 100% | $625,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 2 | 0.4% | 100% | $365,000 | |
Summit Funding.Inc
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Conventional, FHA | 2 | 0.4% | 100% | $75,000 | |
Farm Credit Mid-America, Aca
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Conventional | 2 | 0.4% | 100% | $485,000 | |
New American Funding, LLC.
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VA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $265,000 | |
Cadence Bank
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Conventional | 1 | 0.2% | 100% | $425,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.2% | 100% | $255,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $385,000 | |
Kind Lending, LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 100% | $665,000 | View |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $475,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.2% | 20% | $95,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
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A5.0 ★Texas Ratio: 8.32% |
Conventional | 1 | 0.2% | 100% | $115,000 | View |
American Financing Corporation
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Conventional | 1 | 0.2% | 16.7% | $275,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $345,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.2% | 100% | $225,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 50% | $575,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $595,000 | |
T2 Financial LLC
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VA | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 33.3% | $95,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.2% | 33.3% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 100% | $435,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $605,000 | |
First Central Savings Bank
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 50% | $185,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $165,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.2% | 100% | $375,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 50% | $45,000 | |
The Mortgage Link, Inc.
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VA | 1 | 0.2% | 100% | $295,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.19% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Kerrville 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 Kerrville, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Kerrville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Kerrville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Kerrville, TX
Use these to narrow the list above. Each category shows how many Kerrville, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Kerrville, TX
Independent mortgage companies closed 65.8 percent of home loans in Kerrville, Texas in 2025, banks 22.8 percent and credit unions 11.3 percent. Pilgrim Mortgage LLC was the largest mortgage company, Security State Bank & Trust the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Security State Bank & Trust led with 22 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 Kerrville, TX
By home loans closed in 2025, Security State Bank & Trust was the largest mortgage lender in Kerrville, Texas with 22 loans, about 4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Kerrville, Texas, Rocket Mortgage approved the highest share of completed applications in 2025 at 82.4 percent, against a 77.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Kerrville, Texas in 2025, led by Lennar Mortgage, LLC with 19. 32 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 44 banks and 10 credit unions closed home loans in Kerrville, Texas in 2025, alongside 69 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 Kerrville, 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 Kerrville, 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 Kerrville. 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.
