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Mortgage Lenders and Brokers in San Marcos, Texas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

San Marcos, Texas mortgage lenders include Frost BankFrost Bank231 N Guadalupe St, San Marcos, TX 78666A+5.0 ★Texas Ratio: 2.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA350 N Guadalupe St Ste 106, San Marcos, TX 78666A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA301 Student Center Dr, San Marcos, TX 78666A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.300 S Lbj Dr, San Marcos, TX 78666A+5.0 ★Texas Ratio: 4.24%, First Lockhart BankFirst Lockhart Bank2507 Hunter Road, San Marcos, TX 78666A+5.0 ★Texas Ratio: 3.90%, Bank of America NABank of America NA308 E Hopkins St, San Marcos, TX 78666A+5.0 ★Texas Ratio: 4.14%, First National Bank TexasFirst National Bank Texas1015 Highway 80, San Marcos, TX 78666A4.7 ★Texas Ratio: 3.20%, Texas Regional BankTexas Regional Bank310 Wonder World Dr, San Marcos, TX 78666A5.0 ★Texas Ratio: 7.25%, Sage Capital BankSage Capital Bank2201 Hunter Rd, San Marcos, TX 78666A+5.0 ★Texas Ratio: 0.06%, and Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union1210 Wonder World Dr, San Marcos, TX 78666 7530A+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 San Marcos, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in San Marcos 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 San Marcos, Texas

Market share is the lender's share of all home loans closed in San Marcos, 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
Frost Bank ★ 5 stars, 1 review 3 offices in San Marcos 231 N Guadalupe St, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	18 +9 HELOCs	1.9%	70.4%	$201,111	View
JPMorgan Chase Bank, NA 1 office in San Marcos 350 N Guadalupe St Ste 106, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 3.68%	Conventional	12	1.3%	100%	$260,833	View
Wells Fargo Bank NA 1 office in San Marcos 301 Student Center Dr, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA	5	0.5%	83.3%	$227,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in San Marcos 300 S Lbj Dr, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	3 +3 HELOCs	0.3%	75%	$205,000	View
First Lockhart Bank 1 office in San Marcos 2507 Hunter Road, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 3.90%	Conventional	3	0.3%	100%	$225,000	View
Bank of America NA 1 office in San Marcos 308 E Hopkins St, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$195,000	View
First National Bank Texas 1 office in San Marcos 1015 Highway 80, San Marcos, TX 78666 A4.7 ★Texas Ratio: 3.20%	Conventional	1	0.1%	100%	$175,000	View
Texas Regional Bank 1 office in San Marcos 310 Wonder World Dr, San Marcos, TX 78666 A5.0 ★Texas Ratio: 7.25%	Conventional	1	0.1%	100%	$205,000	View
Sage Capital Bank 1 office in San Marcos 2201 Hunter Rd, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 0.06%	Conventional	1	0.1%	100%	$435,000	View
Randolph-Brooks Federal Credit Union 1210 Wonder World Dr, San Marcos, TX 78666 7530 A+5.0 ★Texas Ratio: 5.89%	Conventional, HELOC	67 +12 HELOCs	7%	86.2%	$110,074	View
Velocio Mortgage, L.L.C. 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional, FHA, VA	57	6%	98.3%	$335,526	View
University Federal Credit Union 614 N Guadalupe St, San Marcos, TX 78666 5713 A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, VA	13	1.4%	92.9%	$275,769	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, FHA, VA	8	0.8%	100%	$343,750	View
A+ Federal Credit Union 1204 Thorpe Ln, San Marcos, TX 78666 6538 A5.0 ★Texas Ratio: 11.13%	Conventional, HELOC	7 +3 HELOCs	0.7%	66.7%	$96,428	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA	4	0.4%	100%	$380,000	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, FHA, VA	4	0.4%	100%	$365,000	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	3 +2 HELOCs	0.3%	100%	$201,666	View
Austin Telco FCU 904 Bugg Ln, San Marcos, TX 78666 A+5.0 ★Texas Ratio: 1.81%	Conventional	3	0.3%	80%	$161,666	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.3%	60%	$271,666	View
Amplify Credit Union 2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$85,000	View
Aspire Home Loans 900 Pershing Ave, Lufkin, TX 75904 A+5.0 ★Texas Ratio: 0.15%	Conventional	2	0.2%	100%	$320,000	View
First Bank 900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67%	Conventional, VA	2	0.2%	100%	$505,000	View
Velocity Credit Union 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional	2	0.2%	100%	$370,000	View
Government Employees Federal Credit Union 10806 Metric Blvd, Austin, TX 78758 A+5.0 ★Texas Ratio: 3.87%	Conventional	2	0.2%	100%	$35,000	View
Verabank,N.A. 739 E Tyler St, Athens, TX 75751 A+5.0 ★Texas Ratio: 5.54%	Conventional	2	0.2%	100%	$320,000	View
Sente Mortgage, Inc. 6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673	FHA, VA	2	0.2%	100%	$265,000
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.2%	100%	$220,000	View
Broadway National Bank 911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69%	Conventional	2	0.2%	25%	$330,000	View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	Conventional	2	0.2%	100%	$380,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$885,000	View
The First National Bank of Sonora 122 W Bandera Rd, Boerne, TX 78006 C+4.1 ★Texas Ratio: 26.35%	Conventional	1	0.1%	100%	$425,000	View
Capitol Credit Union 11920 Alterra Pkwy, Austin, TX 78758 A+5.0 ★Texas Ratio: 5.21%	Conventional	1	0.1%	100%	$245,000	View
Moody National Bank 7900 Shoal Creek Blvd, Austin, TX 78757 A5.0 ★Texas Ratio: 6.43%	Conventional	1	0.1%	100%	$35,000	View
Cathay Bank 9440 Bellaire Blvd, Houston, TX 77036 A+5.0 ★Texas Ratio: 4.57%	Conventional	1	0.1%	100%	$185,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional	1	0.1%	50%	$385,000
First National Bank of Central Texas 1645 Greens Prairie Rd W, College Station, TX 77845 A+5.0 ★Texas Ratio: 0.97%	Conventional	1	0.1%	100%	$305,000	View
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.1%	100%	$155,000	View
Public Employees Credit Union 306 E 10th St, Austin, TX 78701 A+5.0 ★Texas Ratio: 1.58%	Conventional	1	0.1%	100%	$35,000	View
First National Bank in Port Lavaca 1101 N Us Highway 35 Byp, Port Lavaca, TX 77979	Conventional	1	0.1%	100%	$155,000
Firstmark Credit Union 610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40%	Conventional	1	0.1%	100%	$155,000	View
Classic Bank, National Association 493 Highway 71 W, Bastrop, TX 78602 A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$145,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$365,000	View
City Bank 4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$65,000	View
International Bank of Commerce 1081 Wonder World Dr, San Marcos, TX 78666	Conventional	1	0.1%	100%	$275,000
Synergy Federal Credit Union 1147 Cantwell Ln, Corpus Christi, TX 78407 A+5.0 ★Texas Ratio: 1.39%	Conventional	1	0.1%	100%	$195,000	View
Jefferson Bank 114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02%	FHA	1	0.1%	100%	$265,000	View
Citizens State Bank 224 N Main St, Anton, TX 79313	Conventional	1	0.1%	100%	$285,000
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	HELOC	0 +1 HELOCs	0%	100%		View
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	78	8.2%	78.2%	$290,128
Primelending	Conventional, FHA, VA	26	2.7%	87.9%	$469,615
Parkstone Mortgage, LLC	Conventional, FHA, VA	17	1.8%	100%	$439,117
Priority Home Mortgage, L.P.	Conventional, FHA, VA	11	1.2%	100%	$447,727
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	11	1.2%	100%	$386,818
Clm Mortgage, Inc	Conventional, FHA, VA	10	1%	100%	$292,000
Sfmc, LP	Conventional, FHA	9	0.9%	100%	$261,666
Nationstar Mortgage	Conventional, FHA	8	0.8%	88.9%	$206,250
Network Funding, L.P.	Conventional, FHA	6	0.6%	100%	$263,333
Loanpeople, LLC	Conventional	5	0.5%	100%	$297,000
Interlinc Mortgage Services, LLC	Conventional, VA	4	0.4%	100%	$340,000
Directions Equity, LLC	Conventional, FHA, VA	4	0.4%	100%	$352,500
Gardner Financial Services	Conventional, FHA, VA	4	0.4%	100%	$312,500
Republic State Mortgage Company	Conventional, FHA, VA, Jumbo	3	0.3%	100%	$488,333
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	3	0.3%	100%	$288,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.3%	100%	$171,666	View
Wagon Hill Home Loans LLC	Conventional, Jumbo	2	0.2%	100%	$710,000
Encompass Lending Group, L.P.	Conventional, FHA	2	0.2%	100%	$215,000
Southwest Funding LP	Conventional, FHA	2	0.2%	100%	$245,000
PrimeLending Ventures LLC	Conventional	1	0.1%	100%	$325,000
SWBC Mortgage Corporation	FHA	1	0.1%	100%	$255,000
Orchard Mortgage, LLC	Conventional	1	0.1%	100%	$175,000
Willow Bend Mortgage Company, LLC	Conventional	1	0.1%	100%	$515,000
HomeWay Mortgage LLC	Conventional	1	0.1%	100%	$225,000
Rb Mortgage LLC	Conventional	1	0.1%	100%	$145,000
Credit Human Federal Credit Un	Conventional	1	0.1%	50%	$65,000
Legend Lending Corporation A+5.0 ★Texas Ratio: 0.92%	Conventional	1	0.1%	100%	$195,000	View
Melanie Aguilar	Conventional	1	0.1%	100%	$605,000
Brightland Mortgage Services, Ltd.	VA	1	0.1%	100%	$325,000
Home Financing Unlimited, Inc.	Conventional	1	0.1%	100%	$315,000
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	63	6.6%	87.7%	$377,380
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA	49	5.1%	79.7%	$277,653	View
loanDepot.com LLC	Conventional, FHA, VA, HELOC	36 +1 HELOCs	3.8%	82.2%	$340,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	21	2.2%	63.9%	$68,809	View
Cmg Mortgage Inc	Conventional, FHA, VA, USDA, HELOC	19 +3 HELOCs	2%	95.5%	$333,947
Lennar Mortgage, LLC	Conventional, FHA, VA	18	1.9%	65.5%	$233,333
Inspire Home Loans Inc. A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA	17	1.8%	90%	$258,529	View
Freedom Mortgage Corporation	Conventional, FHA, VA	15	1.6%	94.1%	$406,333
Pulte Mortgage LLC	Conventional, VA	14	1.5%	77.8%	$319,285
Newrez LLC	Conventional, FHA, VA	12	1.3%	75%	$300,833
Fairway Independent Mort Corp	Conventional, FHA, VA	11	1.2%	100%	$404,090
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA	10	1%	100%	$233,000	View
Zillow Home Loans, LLC	Conventional, FHA, VA	10	1%	100%	$298,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	10	1%	76.9%	$338,000
Movement Mortgage, LLC	Conventional, FHA	9	0.9%	100%	$225,000
Pennymac Loan Services LLC	Conventional, VA	8	0.8%	72.7%	$245,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	7	0.7%	100%	$302,142
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	6	0.6%	46.2%	$371,666
Kind Lending, LLC	Conventional, FHA, VA	6	0.6%	66.7%	$511,666
Mortgage Research Center	Conventional, VA	6	0.6%	66.7%	$350,000
New American Funding, LLC.	Conventional	5	0.5%	100%	$205,000
The Loan Store, Inc	Conventional, FHA	5	0.5%	100%	$277,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	4	0.4%	100%	$437,500	View
Mortgage Financial Services	Conventional, FHA, VA	4	0.4%	100%	$322,500
Provident Funding Associates	Conventional	4	0.4%	100%	$425,000
Paramount Residential Mortgage	Conventional, FHA	4	0.4%	100%	$200,000
Cadence Bank	Conventional, FHA, HELOC	3 +1 HELOCs	0.3%	100%	$328,333
Canopy Mortgage, LLC	Conventional, FHA, VA	3	0.3%	100%	$445,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA, Jumbo	3	0.3%	75%	$471,666
Jet HomeLoans, LP	Conventional, VA	3	0.3%	100%	$405,000
Homeamerican Mortgage Corporation	Conventional, VA	3	0.3%	100%	$341,666
ClearEdge Lending LLC	Conventional	3	0.3%	100%	$345,000
American Financial Resources LLC	FHA	2	0.2%	100%	$230,000
Goodleap, LLC	Conventional	2	0.2%	75%	$75,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.2%	100%	$220,000
Nbkc Bank	Conventional	2	0.2%	100%	$275,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.2%	100%	$380,000	View
PHH Mortgage Corporation	VA	2	0.2%	100%	$475,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional	2	0.2%	100%	$205,000	View
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional	2	0.2%	100%	$470,000	View
PFN Lending Group, Inc.	Conventional	2	0.2%	100%	$305,000
Flat Branch Mortgage, Inc.	Conventional	2	0.2%	100%	$255,000
Union Home Mortgage Corp.	Conventional, FHA	2	0.2%	100%	$250,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.2%	100%	$335,000
Planet Home Lending, LLC	FHA, VA	2	0.2%	66.7%	$410,000
Mutual of Omaha Mortgage	Conventional	2	0.2%	100%	$380,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$520,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.2%	21.4%	$130,000
Village Capital & Investment	VA	2	0.2%	100%	$360,000
JMAC Lending, Inc.	Conventional	2	0.2%	100%	$245,000
Truwest Credit Union ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$265,000	View
Pentagon Federal Credit Union	VA, HELOC	1 +1 HELOCs	0.1%	50%	$725,000
Arc Home LLC	Conventional	1	0.1%	100%	$145,000
Originpoint, LLC	Conventional	1	0.1%	100%	$445,000
Guaranteed Rate Affinity, LLC	FHA	1	0.1%	100%	$255,000
Guaranteed Rate, Inc.	FHA	1	0.1%	100%	$575,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$555,000
Royal United Mortgage LLC	Conventional	1	0.1%	100%	$185,000
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	Conventional	1	0.1%	100%	$275,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$295,000	View
Greenstate Credit Union	Conventional	1	0.1%	100%	$175,000
Success Lending, LLC A+5.0 ★Texas Ratio: 3.62%	FHA	1	0.1%	100%	$285,000	View
MortgageOne, Inc	Conventional	1	0.1%	100%	$165,000
Golden Empire Mortgage, Inc.	Conventional	1	0.1%	100%	$205,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$265,000
Resicentral LLC	Conventional	1	0.1%	100%	$275,000
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	1	0.1%	12.5%	$335,000	View
Synergy One Lending, Inc.	VA	1	0.1%	100%	$355,000
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.1%	100%	$175,000	View
Redwood Residential Acquisition Corporation	Conventional	1	0.1%	100%	$105,000
HomeXpress Mortgage Corp.	FHA	1	0.1%	100%	$495,000
Builders Choice Mortgage LLC	Conventional	1	0.1%	100%	$295,000
American Financing Corporation	Conventional	1	0.1%	100%	$335,000
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$335,000
American Federal Mortgage Corporation	Conventional	1	0.1%	100%	$375,000
Bay Equity LLC	Conventional	1	0.1%	100%	$325,000
Strong Home Mortgage, LLC	FHA	1	0.1%	100%	$375,000
Cardinal Financial Company, Li	Conventional	1	0.1%	50%	$665,000
First Colony Mortgage Corporat	VA	1	0.1%	100%	$375,000
Greenbox Loans	Conventional	1	0.1%	100%	$165,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$285,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$75,000	View
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$235,000
Direct Mortgage Loans, LLC	Conventional	1	0.1%	100%	$265,000
Integrity Home Mortgage Corporation	VA	1	0.1%	100%	$225,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$155,000
American Pacific Mortgage Corporation	FHA	1	0.1%	100%	$255,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$295,000	View
Better Mortgage Corporation	Conventional	1	0.1%	100%	$155,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$315,000
Geo-Corp, Inc.	FHA	1	0.1%	100%	$295,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$255,000
Summit Funding.Inc	Conventional	1	0.1%	100%	$665,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$625,000
Lower, LLC	FHA	1	0.1%	50%	$355,000
Union State Bank of Everest A5.0 ★Texas Ratio: 7.97%	Conventional	1	0.1%	100%	$355,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0.1%	100%	$105,000
Southwest Stage Funding LLC	Conventional	1	0.1%	50%	$215,000
The First National Bank and Trust Company of Broke A+5.0 ★Texas Ratio: 0.75%	Conventional	1	0.1%	100%	$255,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	1	0.1%	100%	$385,000	View
21St Mortgage	Conventional	1	0.1%	12.5%	$75,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	1	0.1%	100%	$255,000	View
Signature Bank of Arkansas A+5.0 ★Texas Ratio: 0.35%	Conventional	1	0.1%	100%	$395,000	View
Loan Simple, Inc.	FHA	1	0.1%	100%	$275,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	33.3%	$235,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$185,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
ANECA Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Spring Eq, LLC	HELOC	0 +1 HELOCs	0%	0%

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

San Marcos Mortgage Rate Trends

Daily average mortgage rates for Texas compared with the national average, updated every evening.

30-Year Fixed TX Avg

7.414%

▲ 0.066 vs 7 days ago

15-Year Fixed TX Avg

6.904%

▲ 0.023 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in San Marcos, Texas

Looking for mortgage lenders near me or mortgage brokers near me in San Marcos? The list below shows the banks, credit unions and mortgage brokers that closed home loans in San Marcos in 2025, with lenders based there listed first.

Types of Mortgage Lenders in San Marcos, TX

Use these to narrow the list above. Each category shows how many San Marcos, TX lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 122 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 46 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 20 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 61 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 51 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 2 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 69 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in San Marcos, TX

Independent mortgage companies closed 74.2 percent of home loans in San Marcos, Texas in 2025, banks 13.3 percent and credit unions 12.5 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, Frost Bank the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Frost Bank led with 18 loans.

74.2%

Mortgage companies

13.3%

Banks

12.5%

Credit unions

22%

FHA loans

14%

VA 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

All Texas lenders 1,264 lenders Houston 690 lenders San Antonio 463 lenders Fort Worth 521 lenders Austin 484 lenders Dallas 513 lenders El Paso 275 lenders Celina 272 lenders Corpus Christi 261 lenders Lubbock 281 lenders Arlington 342 lenders Frisco 337 lenders New Braunfels 280 lenders

Frequently Asked Questions About Mortgage Lenders in San Marcos, TX

Who is the largest mortgage lender in San Marcos, TX?

By home loans closed in 2025, Frost Bank was the largest mortgage lender in San Marcos, Texas with 18 loans, about 1.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in San Marcos, TX have the highest approval rates?

Among lenders with meaningful volume in San Marcos, Texas, Velocio Mortgage, L.L.C. approved the highest share of completed applications in 2025 at 98.3 percent, against a 83.8 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.

Which San Marcos, TX mortgage lenders offer FHA, VA and USDA loans?

61 lenders closed FHA loans in San Marcos, Texas in 2025, led by DHI Mortgage Company, LTD. with 59. 51 lenders closed VA loans, led by United Wholesale Mortgage, 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.

Are credit unions and local banks included in this San Marcos, TX lender list?

Yes. 46 banks and 20 credit unions closed home loans in San Marcos, Texas in 2025, alongside 122 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.

How are mortgage lenders in San Marcos, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in San Marcos, 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 San Marcos, 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 San Marcos. 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.