Mortgage Lenders and Brokers in Lockhart, 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
Lockhart, Texas mortgage lenders include First Lockhart BankFirst Lockhart Bank111 S Main St, Lockhart, TX 78644A+5.0 ★Texas Ratio: 3.90%, Sage Capital BankSage Capital Bank501 S Colorado St, Lockhart, TX 78644A+5.0 ★Texas Ratio: 0.06%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union1340 S Colorado St, Lockhart, TX 78644A+5.0 ★Texas Ratio: 5.89%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, University Federal Credit UnionUniversity Federal Credit Union701 College Dr, Abilene, TX 79601A+5.0 ★Texas Ratio: 3.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Austin Telco FCUAustin Telco FCU315 Hickory St, Lockhart, TX 78644A+5.0 ★Texas Ratio: 1.81%, Sente Mortgage, Inc.Sente Mortgage, Inc.6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673, and Texas D P S Credit UnionTexas D P S Credit Union621 W Saint Johns Ave, Austin, TX 78752 2315A+5.0 ★Texas Ratio: 0.67%. 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 Lockhart, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lockhart 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 Lockhart, Texas
Market share is the lender's share of all home loans closed in Lockhart, 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 Lockhart 111 S Main St, Lockhart, TX 78644 A+5.0 ★Texas Ratio: 3.90% |
Conventional | 11 | 2.4% | 91.7% | $153,181 | View |
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1 office in Lockhart 501 S Colorado St, Lockhart, TX 78644 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1340 S Colorado St, Lockhart, TX 78644 A+5.0 ★Texas Ratio: 5.89% |
Conventional, HELOC | 30 +5 HELOCs |
6.6% | 75% | $131,666 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 6 | 1.3% | 100% | $286,666 | View |
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701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA | 6 | 1.3% | 85.7% | $223,333 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.4% | 66.7% | $260,000 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA | 2 | 0.4% | 100% | $105,000 | View |
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315 Hickory St, Lockhart, TX 78644 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 2 | 0.4% | 66.7% | $70,000 | View |
Sente Mortgage, Inc.
6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673 |
FHA | 2 | 0.4% | 100% | $315,000 | |
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621 W Saint Johns Ave, Austin, TX 78752 2315 A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
Greater Texas FCU
1425 N CENTER ST, ARLINGTON, TX 76011 |
Conventional | 1 | 0.2% | 50% | $55,000 | |
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★ 5 stars, 1 review 10901 W Highway 290, Austin, TX 78736 A5.0 ★Texas Ratio: 7.03% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
VA | 1 | 0.2% | 100% | $545,000 | View |
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4800 GROVER AVE, AUSTIN, TX 78756 A5.0 ★Texas Ratio: 7.88% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77% |
FHA | 1 | 0.2% | 100% | $305,000 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
FHA | 1 | 0.2% | 100% | $245,000 | View |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 111 | 24.4% | 90.2% | $328,783 | |
Crestmark Mortgage Company, Ltd
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FHA, VA | 3 | 0.7% | 100% | $385,000 | |
Nationstar Mortgage
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Conventional | 3 | 0.7% | 75% | $118,333 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $120,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Orchard Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Directions Equity, LLC
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VA | 1 | 0.2% | 100% | $755,000 | |
First National Bank of Shiner
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Sfmc, LP
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FHA | 1 | 0.2% | 100% | $225,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Loanpeople, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Gardner Financial Services
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VA | 1 | 0.2% | 100% | $245,000 | |
Hurst Real Estate, Inc
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $355,000 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 51 | 11.2% | 78.5% | $193,823 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 26 | 5.7% | 92.9% | $314,615 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 22 | 4.8% | 71.9% | $240,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 21 | 4.6% | 100% | $255,000 | |
21St Mortgage
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Conventional | 20 | 4.4% | 51.2% | $127,000 | |
Kbhs Home Loans, LLC
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Conventional, FHA, VA, USDA | 11 | 2.4% | 100% | $324,090 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 11 | 2.4% | 48.8% | $158,636 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 9 | 2% | 21.3% | $98,333 | |
Southwest Stage Funding LLC
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Conventional, FHA, VA | 5 | 1.1% | 83.3% | $257,000 | |
Newrez LLC
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Conventional | 4 | 0.9% | 57.1% | $102,500 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.9% | 80% | $232,500 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 0.9% | 66.7% | $167,500 | |
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A+5.0 ★Texas Ratio: 1.71% |
Conventional, FHA | 4 | 0.9% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.9% | 100% | $255,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.7% | 75% | $328,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 3 | 0.7% | 100% | $368,333 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 3 | 0.7% | 100% | $208,333 | View |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 0.7% | 100% | $201,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 0.7% | 100% | $271,666 | |
American Financial Resources LLC
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FHA, VA | 2 | 0.4% | 100% | $310,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 0.4% | 100% | $295,000 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 2 | 0.4% | 37.5% | $360,000 | |
Canopy Mortgage, LLC
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FHA | 2 | 0.4% | 100% | $300,000 | |
Cardinal Financial Company, Li
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FHA | 2 | 0.4% | 100% | $320,000 | |
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C+4.1 ★Texas Ratio: 25.90% |
Conventional | 2 | 0.4% | 100% | $175,000 | View |
Paramount Residential Mortgage
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FHA | 2 | 0.4% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $275,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.2% | 100% | $5,000 | |
Hamilton Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $265,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.2% | 100% | $235,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.2% | 50% | $195,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
Acre Mortgage & Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.2% | 50% | $215,000 | View |
City 1st Mortgage Services, LC
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VA | 1 | 0.2% | 100% | $345,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 100% | $105,000 | |
Mortgage Financial Services
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FHA | 1 | 0.2% | 100% | $265,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.2% | 100% | $275,000 | |
American Heritage Lending, LLC
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Conventional | 1 | 0.2% | 100% | $725,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.2% | 33.3% | $395,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 0.2% | 100% | $35,000 | |
Waterstone Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $605,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $225,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.2% | 50% | $225,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 1 | 0.2% | 50% | $975,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.2% | 100% | $355,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.2% | 100% | $315,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.2% | 23.8% | $95,000 | |
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 | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lockhart 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 Lockhart, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Lockhart? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lockhart in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lockhart, TX
Use these to narrow the list above. Each category shows how many Lockhart, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Lockhart, TX
Independent mortgage companies closed 82 percent of home loans in Lockhart, Texas in 2025, banks 7.9 percent and credit unions 10.1 percent. Sente Mortgage, Inc. was the largest mortgage company, First Lockhart Bank the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, First Lockhart Bank led with 11 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 Lockhart, TX
By home loans closed in 2025, First Lockhart Bank was the largest mortgage lender in Lockhart, Texas with 11 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Lockhart, Texas, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 90.2 percent, against a 73 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.
37 lenders closed FHA loans in Lockhart, Texas in 2025, led by DHI Mortgage Company, LTD. with 69. 19 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 4 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. 18 banks and 10 credit unions closed home loans in Lockhart, Texas in 2025, alongside 66 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 Lockhart, 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 Lockhart, 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 Lockhart. 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.
