Mortgage Lenders and Brokers in Luling, 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
Luling, Texas mortgage lenders include Sage Capital BankSage Capital Bank121 S Magnolia Ave, Luling, TX 78648A+5.0 ★Texas Ratio: 0.06%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, First Lockhart BankFirst Lockhart Bank319 W Slaughter Ln, Austin, TX 78748A+5.0 ★Texas Ratio: 3.90%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Texas Regional BankTexas Regional Bank1001 Congress Ave, Austin, TX 78701A5.0 ★Texas Ratio: 7.25%, Jefferson BankJefferson Bank114 W 7th Street Suite 100, Austin, TX 78701A5.0 ★Texas Ratio: 6.02%, and Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%. 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 Luling, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Luling 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 Luling, Texas
Market share is the lender's share of all home loans closed in Luling, 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 Luling 121 S Magnolia Ave, Luling, TX 78648 A+5.0 ★Texas Ratio: 0.06% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional, HELOC | 13 +1 HELOCs |
10.9% | 88.2% | $165,000 | View |
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319 W Slaughter Ln, Austin, TX 78748 A+5.0 ★Texas Ratio: 3.90% |
Conventional | 3 | 2.5% | 100% | $135,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
FHA, VA | 2 | 1.7% | 100% | $320,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.8% | 100% | $185,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.8% | 100% | $475,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.8% | 100% | $165,000 | View |
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1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.8% | 100% | $225,000 | View |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 1 | 0.8% | 100% | $295,000 | 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 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 15 | 12.6% | 72.7% | $200,333 | |
Nationstar Mortgage
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Conventional | 3 | 2.5% | 100% | $211,666 | |
Primelending
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VA, Jumbo | 1 | 0.8% | 100% | $845,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 100% | $115,000 | |
Encompass Lending Group, L.P.
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USDA | 1 | 0.8% | 100% | $245,000 | |
Right Start Mortgage, Inc
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VA | 1 | 0.8% | 100% | $365,000 | |
21St Mortgage
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Conventional | 9 | 7.6% | 42.9% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA | 8 | 6.7% | 100% | $252,500 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 8 | 6.7% | 88.9% | $200,000 | View |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 6 | 5% | 41.2% | $141,666 | View |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 5 | 4.2% | 100% | $221,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 4 | 3.4% | 80% | $140,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 3 | 2.5% | 100% | $108,333 | View |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 1.7% | 100% | $350,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, USDA | 2 | 1.7% | 100% | $165,000 | View |
Cardinal Financial Company, Li
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FHA | 2 | 1.7% | 100% | $425,000 | |
loanDepot.com LLC
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VA, HELOC | 1 +1 HELOCs |
0.8% | 50% | $625,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 100% | $405,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.8% | 100% | $65,000 | |
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A5.0 ★Texas Ratio: 6.15% |
FHA | 1 | 0.8% | 100% | $315,000 | View |
Newrez LLC
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FHA | 1 | 0.8% | 50% | $315,000 | |
Sage Home Loans Corporation
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FHA | 1 | 0.8% | 50% | $195,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $255,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.8% | 100% | $285,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.8% | 66.7% | $235,000 | |
Acre Mortgage & Financial, Inc.
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USDA | 1 | 0.8% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.8% | 100% | $535,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.8% | 50% | $415,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.8% | 100% | $165,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.8% | 50% | $185,000 | |
Intelliloan, Inc.
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FHA | 1 | 0.8% | 50% | $265,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $165,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 100% | $65,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.8% | 50% | $145,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.8% | 100% | $115,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.8% | 100% | $135,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.8% | 100% | $125,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.8% | 44.4% | $175,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.8% | 100% | $165,000 | View |
Luling 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 Luling, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Luling? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Luling in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Luling, TX
Use these to narrow the list above. Each category shows how many Luling, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Luling, TX
Independent mortgage companies closed 75.6 percent of home loans in Luling, Texas in 2025, banks 11.8 percent and credit unions 12.6 percent. Pilgrim Mortgage LLC was the largest mortgage company, Sage Capital Bank the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Sage Capital 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 Luling, TX
By home loans closed in 2025, Sage Capital Bank was the largest mortgage lender in Luling, Texas with 1 loans, about 0.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Luling, Texas in 2025, led by DHI Mortgage Company, LTD. with 7. 8 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 5 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. 12 banks and 4 credit unions closed home loans in Luling, Texas in 2025, alongside 35 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 Luling, 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 Luling, 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 Luling. 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.
