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Andrew Dehan writes about home loans, real estate and personal finance. He's taken the NMLS Loan Originator education classes and passed the MLO SAFE test. Besides Bankrate, his work has been published by Rocket Mortgage, Forbes Advisor and Business Insider. He’s also a poet, musician and nature-lover. He lives in metro Detroit with his wife and children.
Katie Lowery is a Bankrate content strategist and editor on the Loans and Home Lending teams, where she shapes content to help people navigate decisions around borrowing money, personal finance and overall financial health.
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For Texans looking to buy a home, now might be a good time to start your search. According to Redfin, the median price of a single-family home in the Lone Star State is $340,500, down 2.6% from a year earlier. At the same time, the number of homes available increased by 4.8%, signaling easing competition and more options available for buyers.
To help you navigate today’s market, we took a close look at lenders to help you find the best mortgage lenders in Texas. Whether you’re looking for Dallas mortgage companies, mortgage companies in Houston or loans anywhere else in the state, we’ve got you covered.
One of the top mortgage lenders in the U.S. with a nationwide presence, Chase earned a perfect score for affordability and availability. This big-name bank originated more home loans in the Lone Star State than any other lender on this list in 2025, at more than 10,000 mortgages. Chase offers a full suite of home lending products and a wealth of online resources to help Texans navigate the homebuying process.
Availability: All U.S. states
Loans offered: Conventional, jumbo, FHA, VA, refinancing
Credit requirements: 620 for conventional loans, 680 for jumbo loans, 640 for FHA loans, 640 for VA loans
Down payment minimum: 3% for conventional loans, 3.5% for FHA loans, none for VA loans
Where to find: Branch locations and online
Pros
Available to borrowers in all states, with nearly 5,000 branch locations
Existing Chase customers might receive a rate discount of up to one percentage point
$5,000 closing guarantee
Cons
Bank might not be a fit for borrowers with unique credit or financial circumstances
For Texas veterans seeking a VA loan, Veterans United could be a solid choice. This lender scores well for affordability, availability and borrower experience, ranking near the top for customer satisfaction among VA loan lenders. Although Veterans United does offer other mortgage types, it specializes in VA lending.
Availability: All U.S. states
Loans offered: Conventional, jumbo, FHA, VA, USDA, refinancing
Credit requirements: 620 for conventional and VA loans
Down payment minimum: 3% for conventional loans, 3.5% for FHA loans, none for VA and USDA loans
Where to find: Branch locations (including three in Texas) and online
With a perfect availability score, Pennymac also ranked highly for affordability — its mortgage rates tend to be lower than the national average, meaning you can save over the life of your loan. This lender also offers a range of borrower incentives, including closing cost and rate discounts.
Availability: All U.S. states
Loans offered: Conventional, jumbo, FHA, VA, USDA, refinancing and more
Credit requirements: 620 for conventional loans, 580 for FHA loans, 620 for VA loans
Down payment minimum: 3% for conventional loans, 3.5% for FHA loans, none for VA loans and USDA loans
Where to find: Online
Pros
Large lender with national presence
$1,000 off closing costs if preapproved (not applicable to jumbo loans or refinancing) and a rate reduction of 1% for 12 months
$2,000 if you purchase your home with Pennymac and refinance within three years
LoanDepot scored a perfect 5 out of 5 for availability for its wide variety of loan type options and nationwide footprint. This lender also offers borrowers several discounts and bonus opportunities, including a down payment assistance program and a cash-back bonus for working with a partner agent. However, LoanDepot doesn’t share its mortgage rates online, and that lack of transparency results in a lower affordability score.
Availability: All U.S. states
Loans offered: Fixed-rate and adjustable-rate (ARM) mortgages, including conventional, jumbo, FHA, VA, USDA and refinancing options
Credit requirements: 620 for conventional loans, 700 for jumbo loans, 580 for FHA loans
Down payment minimum: 3% for conventional loans, 3.5% for FHA loans, none for VA loans, none for USDA loans
Where to find: Branch locations and online
Pros
Offers Lifetime Guarantee program
Perks like home security and moving discounts and smart home products
The second-biggest bank in the country, Bank of America scores highly for availability and borrower experience. The institution offers a Home Grant program that provides up to $7,500 to cover closing costs, and a down payment program that offers 3% of the home’s purchase price or $10,000, whichever is less. Bank of America also earned a second-place ranking in J.D. Power’s 2025 Mortgage Origination Satisfaction study, scoring well for customer communication, reliability and accountability.
Availability: All U.S. states
Loans offered: Conventional, jumbo, FHA, VA, refinancing and more
Credit requirements: Generally, 620 for conventional loans
Down payment minimum: 3% for the lender’s Affordable Loan Solution mortgages, 3.5% for FHA loans, none for VA loans
Where to find: Branch locations and online
Pros
Offers grant programs to help low- and moderate-income buyers
Displays mortgage rates and refinance rates online
Awards discounts for Preferred Rewards customers
Cons
Has limited transparency around borrower requirements
Does not offer USDA loans
Honorable mentions
Although these lenders didn’t meet our methodology criteria for inclusion on our official list of the best mortgage lenders in Texas, they could still be worthy of consideration.
Frost Bank
Most Texans are familiar with hometown favorite Frost Bank, but this statewide lender only re-entered the mortgage space in 2023. Frost earns an honorable mention for its standout Progress Mortgage, a proprietary product that provides a powerful alternative to FHA loans with 100% financing and no private mortgage insurance (PMI). This bank also shines for its customer satisfaction scores, including its long-running #1 ranking in Texas by J.D. Power.
Loans offered: Conventional, jumbo, refinancing, home equity
Credit requirements: Undisclosed
Down payment minimum: 5% for conventional loans; 0% for low-income borrowers; 10% for jumbo loans
Where to find: Branch locations
Pros
Qualifying low-income borrowers may qualify for a mortgage with no down payment or mortgage insurance
Uses manual underwriting and may consider nontraditional eligibility data
Permanent in-house servicing means your loan won’t be sold to a new servicer
Loan officers don’t work on commission
Cons
No government-backed mortgages, which means no FHA, VA or USDA loans
No online application process — you must call to schedule a meeting with a loan officer
Membership required — you must open a Frost checking or savings account to close your mortgage
Randolph-Brooks Federal Credit Union
We chose RBFCU for its robust selection of mortgage products that cater to almost every type of Texas homebuyer. Unlike many regional lenders that limit their offerings, RBFCU provides a full suite of conventional, FHA, and VA loans, alongside specialized options like construction and land loans. Their status as a member-owned cooperative often translates to competitive rates and a more personalized approach to underwriting. RBFCU’s deep-rooted Texas presence and its reputation as one of the state’s highest-volume mortgage lenders could make it worth a look.
Availability: Texas
Loans offered: Conventional, jumbo, FHA, VA, land loans, construction loans, refinancing, home equity
Credit requirements: Undisclosed
Down payment minimum: 5% for conventional loans; none for low-income borrowers; 3.5% for FHA loans, none for VA loans
Where to find: Branch locations and online
Pros
Fee-free float-down option with rate lock
100% financing program with no PMI
More than 60 branches in Texas
Cons
No USDA loans
Membership required
How to find the best mortgage lender in Texas
While the best mortgage lender ultimately depends on individual circumstances and what feels “right” to you, it’s helpful to narrow down your options. Here are some tips:
Set your priorities. Do you want to talk to a loan officer in person? Do you need a faster closing? Want to apply for and track your mortgage status through an app? Consider these and other questions as you come up with your short list of lenders to find the best mortgage in Texas for your situation.
Get prequalified or preapproved. If you haven’t determined a homebuying budget, get prequalified for a mortgage first. This can help you understand how much a lender might allow you to borrow based on some preliminary financial information. If you’re ready to shop for homes, skip the prequalification and ask for a preapproval, which involves a credit check.
Ask about first-time buyer and down payment assistance. Many Texas mortgage lenders work with the state’s housing finance agency to connect eligible borrowers with more affordable mortgages and down payment help. Some programs are available to both first-time and repeat buyers, too. Compare what different lenders offer and how that might impact your budget.
If you’re a first-time homebuyer in Texas, you may qualify for assistance through the Texas Department of Housing and Community Affairs (TDHCA). Programs such as My First Texas Home offer low mortgage rates and can provide closing cost and down payment assistance of up to about 5% of the loan amount.
Eligibility for these programs typically depends on factors like your credit score, income and purchase price limits, and you’ll usually need to work with a TDHCA-approved lender to access the benefits.
Don’t limit your search to the state level, either — many cities and counties in Texas have their own assistance programs. For example, the City of El Paso’s First-Time Homebuyer Program can provide up to $45,000 in down payment and closing cost aid for eligible buyers in priority areas, and up to $25,000 for buyers elsewhere within the city.
To identify the best mortgage lenders in Texas, Bankrate analyzed Home Mortgage Disclosure Act (HMDA) data to determine which lenders issued the most mortgages to Texas borrowers in 2024, the most recent year for which data is available. A lender must have originated at least 1% of the mortgages in Texas for consideration. Lenders must report to HMDA directly, not through a parent company, and be reviewed by Bankrate, to qualify.
We then calculated a Texas-specific Bankrate score for each lender, based on its self-reported data and research by Bankrate staff. We assigned scores based on a lender’s affordability, availability and borrower experience, giving equal weight to each category. Lenders that received a score of 4.4 out of 5 or higher appear on this page.
To receive a top score from Bankrate, lenders must offer a mortgage rate lower than Bankrate’s tracked averages in the 77084 ZIP code (the state’s most populous zip code in its most populous city), and they generally also offer low-down-payment loan options and assistance for first-time homebuyers. In addition, lenders usually offer conventional and government-backed loans and typically provide at least one product for borrowers with credit scores of 620 or lower. Finally, our top-scoring lenders tend to make it easy for borrowers to compare rates and manage much of the loan process online, and they offer multiple options for customer support and generous rate-lock periods. Bankrate’s evaluations are independent and are not influenced by lender partnerships or advertising relationships. Read more about how Bankrate scores are determined here.
Some lenders may appear as honorable mentions, despite not being scored by Bankrate, due to being banks or credit unions with limited availability that lend a large volume of loans in the state.
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Dehan, A. (2026, February 27). Best mortgage lenders in Texas in 2026. Bankrate. Retrieved March 02, 2026, from https://www.bankrate.com/mortgages/best-lenders/texas-mortgage-lenders/
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Dehan, Andrew. "Best mortgage lenders in Texas in 2026." Bankrate. 27 February 2026, https://www.bankrate.com/mortgages/best-lenders/texas-mortgage-lenders/.
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Dehan, Andrew. "Best mortgage lenders in Texas in 2026." Bankrate. February 27, 2026. https://www.bankrate.com/mortgages/best-lenders/texas-mortgage-lenders/.
