Mortgage Lenders and Brokers in South Padre Island, 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
South Padre Island, Texas mortgage lenders include Lone Star National BankLone Star National Bank601 Padre Blvd, South Padre Island, TX 78597A+5.0 ★Texas Ratio: 4.93%, First Community BankFirst Community Bank2701 Padre Blvd, South Padre Island, TX 78597A+5.0 ★Texas Ratio: 0.47%, Texas National BankTexas National Bank1414 Ruben M Torres Blvd, Brownsville, TX 78521, International Bank of CommerceInternational Bank of Commerce911 Padre Blvd, South Padre Island, TX 78597, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, Vantage Bank TexasVantage Bank Texas1785 Ruben M Torres Blvd, Brownsville, TX 78521A5.0 ★Texas Ratio: 8.20%, International Bank of CommerceInternational Bank of Commerce911 Padre Blvd, South Padre Island, TX 78597, Security First Federal Credit UnionSecurity First Federal Credit Union2455 E PRICE RD, Brownsville, TX 78521A+5.0 ★Texas Ratio: 1.27%, Rally Credit UnionRally Credit Union1317 W Frontage Rd, Alamo, TX 78516 2388A+5.0 ★Texas Ratio: 4.20%, and Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%. 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 South Padre Island, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South Padre Island 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 South Padre Island, Texas
Market share is the lender's share of all home loans closed in South Padre Island, 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 South Padre Island 601 Padre Blvd, South Padre Island, TX 78597 A+5.0 ★Texas Ratio: 4.93% |
Conventional | 5 | 3.2% | 100% | $299,000 | View |
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1 office in South Padre Island 2701 Padre Blvd, South Padre Island, TX 78597 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 3 | 1.9% | 100% | $331,666 | View |
Texas National Bank
1414 Ruben M Torres Blvd, Brownsville, TX 78521 |
Conventional, Jumbo | 9 | 5.8% | 100% | $575,000 | |
International Bank of Commerce
911 Padre Blvd, South Padre Island, TX 78597 |
Conventional | 6 | 3.9% | 81.8% | $401,666 | |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional | 5 | 3.2% | 100% | $409,000 | View |
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1785 Ruben M Torres Blvd, Brownsville, TX 78521 A5.0 ★Texas Ratio: 8.20% |
Conventional, Jumbo | 4 | 2.6% | 100% | $642,500 | View |
International Bank of Commerce
911 Padre Blvd, South Padre Island, TX 78597 |
Conventional, Jumbo | 4 | 2.6% | 100% | $567,500 | |
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2455 E PRICE RD, Brownsville, TX 78521 A+5.0 ★Texas Ratio: 1.27% |
Conventional | 3 | 1.9% | 100% | $201,666 | View |
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1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20% |
Conventional | 2 | 1.3% | 40% | $375,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.3% | 66.7% | $225,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional, Jumbo | 2 | 1.3% | 100% | $855,000 | View |
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1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25% |
Conventional, Jumbo | 2 | 1.3% | 100% | $530,000 | View |
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1108 Main St, Blanco, TX 78606 A+5.0 ★Texas Ratio: 3.88% |
Conventional | 2 | 1.3% | 100% | $175,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 50% | $245,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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5444 S Staples St, Corpus Christi, TX 78411 A+5.0 ★Texas Ratio: 1.59% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
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100 S 4th St, Waco, TX 76701 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 1 | 0.6% | 100% | $535,000 | View |
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524 E Main St, Bullard, TX 75757 A5.0 ★Texas Ratio: 12.30% |
Conventional | 1 | 0.6% | 100% | $465,000 | View |
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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.6% | 100% | $255,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.6% | 100% | $315,000 | View |
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911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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804 N Collins St, Arlington, TX 76011 A+5.0 ★Texas Ratio: 4.03% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Highlands Residential Mortgage, Ltd.
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Conventional, VA | 7 | 4.5% | 100% | $350,714 | |
Right Start Mortgage, Inc
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Conventional | 2 | 1.3% | 40% | $210,000 | |
Sfmc, LP
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Network Funding, L.P.
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Conventional | 1 | 0.6% | 100% | $385,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
Southwest Funding LP
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Conventional | 1 | 0.6% | 100% | $865,000 | |
Lower, LLC
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Conventional, VA | 21 | 13.6% | 95.5% | $261,666 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 8 | 5.2% | 57.1% | $362,500 | View |
United Wholesale Mortgage
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Conventional | 5 | 3.2% | 66.7% | $359,000 | |
Cmg Mortgage Inc
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Conventional, HELOC | 4 +1 HELOCs |
2.6% | 100% | $347,500 | |
Newrez LLC
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Conventional | 3 | 1.9% | 75% | $361,666 | |
Movement Mortgage, LLC
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Conventional | 2 | 1.3% | 100% | $280,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 1.3% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 3.34% |
Conventional, VA | 2 | 1.3% | 100% | $400,000 | View |
ResMac Inc
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Conventional | 2 | 1.3% | 100% | $290,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 2 | 1.3% | 66.7% | $475,000 | |
Lendsure Mortgage Corp.
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Conventional | 2 | 1.3% | 100% | $335,000 | |
JMAC Lending, Inc.
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Conventional, Jumbo | 2 | 1.3% | 100% | $1,010,000 | |
Geneva Financial LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 3.62% |
Conventional | 1 | 0.6% | 100% | $215,000 | View |
Watermark Capital, Inc.
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Conventional | 1 | 0.6% | 100% | $625,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.6% | 100% | $305,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.6% | 100% | $2,395,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.6% | 50% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Securitynational Mortgage Company
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Conventional | 1 | 0.6% | 50% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.6% | 100% | $565,000 | |
Nfm, Inc
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Delta Community Credit Union
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $185,000 | |
The Bank, National Association
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Conventional | 1 | 0.6% | 100% | $745,000 | |
V.I.P. Mortgage, Inc.
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Conventional | 1 | 0.6% | 100% | $555,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.6% | 100% | $505,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.6% | 50% | $735,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.6% | 100% | $665,000 | |
The Loan Store, Inc
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Conventional, Jumbo | 1 | 0.6% | 50% | $1,685,000 | |
Fairway Independent Mort Corp
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VA | 1 | 0.6% | 100% | $505,000 | |
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A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 33.3% | $155,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.6% | 50% | $155,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.6% | 100% | $605,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.6% | 100% | $315,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 100% | $85,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
South Padre Island 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 South Padre Island, Texas
Looking for mortgage lenders near me or mortgage brokers near me in South Padre Island? The list below shows the banks, credit unions and mortgage brokers that closed home loans in South Padre Island in 2025, with lenders based there listed first.
Types of Mortgage Lenders in South Padre Island, TX
Use these to narrow the list above. Each category shows how many South Padre Island, TX lenders fit and what that kind of lender is usually best for.
Who Lends in South Padre Island, TX
Independent mortgage companies closed 55.2 percent of home loans in South Padre Island, Texas in 2025, banks 35.1 percent and credit unions 9.7 percent. Highlands Residential Mortgage, Ltd. was the largest mortgage company, Lone Star National Bank the largest bank and Security Service the largest credit union. Among lenders headquartered in Texas, Lone Star National Bank led with 5 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 South Padre Island, TX
By home loans closed in 2025, Lone Star National Bank was the largest mortgage lender in South Padre Island, Texas with 5 loans, about 3.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
1 lenders closed FHA loans in South Padre Island, Texas in 2025, led by Gateway First Bank with 1. 4 lenders closed VA loans, led by Highlands Residential Mortgage, Ltd.. 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. 26 banks and 8 credit unions closed home loans in South Padre Island, Texas in 2025, alongside 38 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 South Padre Island, 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 South Padre Island, 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 South Padre Island. 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.
