How much house can you afford in Lubbock? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Revolution Mortgage
5.0 · 275 reviews · Free pre-approval
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Union Home Mortgage | Caprock Home Team
5.0 · 107 reviews · Free pre-approval
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Hometrust Mortgage Company
4.9 · 98 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Revolution Mortgage is known for clear, responsive communication and a smooth lending experience that helps clients optimize credit scores, down payments, and incentives. The team assists with home loan processes, guiding customers patiently through each step. Some clients note the process can feel intense, but appreciate the support throughout.
Specializing in guiding clients through the mortgage process, Union Home Mortgage | Caprock Home Team helps with paperwork, financial advice, and exploring options when challenges arise. The team offers personalized support to make home buying smoother, though some may find the process detailed. Customers appreciate their clear communication and responsiveness.
Known for guiding clients through home purchases and refinancing with clear resources and personalized support, HomeTrust Mortgage Company offers various mortgage options including HELOCs. Customers appreciate the team’s accessibility and thorough assistance, though experiences may vary depending on individual loan officers.
Known for offering 100% financing through the H.O.M.E. 100 program, this credit union provides a range of mortgage options including conventional, FHA, VA, and self-employed loans. Customers appreciate the team’s helpful, informative approach and smooth, efficient mortgage process, though some note the pace can vary.
CrossCountry Mortgage, affiliated with Cameron Lambo, specializes in guiding first-time and repeat homebuyers through a smooth mortgage process. The team offers preapproval, lending support, and clear communication, helping clients feel informed and confident. Some customers note the process moves quickly, with helpful explanations along the way.
Realty Connect Group focuses on providing competitive mortgage rates with a streamlined loan process tailored to local borrowers. Their services include home purchase loans, refinancing, cash-out options, and quick pre-approvals, all designed to simplify financing. Customers appreciate the team’s clear communication and efficient handling of paperwork throughout the process.
Specializing in guiding first-time homebuyers, Candice Gerron Team focuses on making the mortgage process clear and manageable. The team helps clients get approvals and budgets in place early, which many say speeds up house hunting and closing. Customers appreciate their patience and thorough communication throughout the process.
Next Legacy Lending PLLC is known for its attentive and responsive mortgage loan team, often available beyond regular hours to guide clients through the homebuying process. They assist with various mortgage needs, keeping borrowers informed and accommodating individual situations. Customers appreciate their clear communication, though some note the process can require patience.
Known for a personalized approach that emphasizes trust and clarity, this mortgage solution specialist helps clients navigate home financing with care and expertise. The team offers tailored mortgage options and thorough guidance from consultation through closing. Customers appreciate the patient, informative process, though some note the preparation phase can be lengthy.
Known for clear communication and personalized loan strategies, Revolution Mortgage guides clients through purchase, refinance, and specialty loans with a focus on faster approvals. The team supports borrowers at every step, helping to navigate competitive markets with patience and responsiveness that many clients appreciate.
Lenders made 4,722 home-purchase loans in Lubbock County in 2025 (average about $270,000) and denied 644 — 12% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Lubbock, the median home is worth $212,400 and 57% of owners have a mortgage, paying a median $1,794 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lubbock County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Revolution Mortgage | 5.0 | 275 | — | (806) 243-0777 | Visit |
| 2 | Union Home Mortgage | Caprock Home Team | 5.0 | 107 | — | (806) 319-5382 | Visit |
| 3 | Hometrust Mortgage Company | 4.9 | 98 | Quoted per loan | (806) 786-2556 | Visit |
| 4 | Leanna Harris | Mortgage Loan Officer | 4.9 | 83 | — | (806) 416-9094 | Visit |
| 5 | Cameron Lambo - CrossCountry Mortgage | 4.9 | 70 | Quoted per loan | (806) 319-7327 | Visit |
| 6 | Freddie Marmolejo, Realty Connect Group | 5.0 | 50 | $200 | (806) 319-5297 | Visit |
| 7 | Candice Gerron Team | 5.0 | 46 | — | (806) 507-0631 | Visit |
| 8 | Next Legacy Lending PLLC | 5.0 | 31 | — | (325) 255-3550 | Visit |
| 9 | Jacob Faske, Mortgage Solution Specialist, NFM Lending | 5.0 | 22 | Quoted per loan | (806) 201-2081 | Visit |
| 10 | Ashley Laycock | Mortgage Loan Officer | Revolution Mortgage | 5.0 | 11 | Quoted per loan | (806) 681-7095 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.