Best Mortgage Lenders in Texas—Backed by Data

By:

TrueRate Analyst

Best Mortgage Lenders in Texas

Data-backed picks using 2024 closed-loan pricing (30-year fixed, conventional, primary residence).

Thinking of buying a home in the Lone Star State? You’re not alone—Texas is one of the fastest-growing housing markets in the country. But finding a good mortgage lender in Texas? That’s another story. Between national giants and local banks, it’s easy to fall for flashy ads and end up with hidden fees or inflated rates.

To help buyers make smarter choices, we analyzed closed-loan data from hundreds of thousands of loans across 188 different lenders operating in Texas. Our sample included 30-year fixed, conventional primary home purchase loans. You can see the full TrueRate analysis. These aren’t teaser quotes or advertised rates—this data reflects the real rates and fees buyers locked in.

Each lender listed below consistently outperformed the state median on pricing, while also offering competitive products and solid borrower support. We also categorized lenders to help you find the right fit—whether you’re a first-time buyer, looking for a digital-first experience, or need something more specialized.

Why it stands out

Ok, we’re a little biased, but the numbers speak for themselves—low rates, no lender fees, better reviews. Tomo Mortgage was founded in 2025 by former Zillow execs who saw what was broken in the mortgage industry (think bait-and-switch, inflated rates, a black box of confusing fees) and set out to fix it. It was ranked Best Online Lender 2025 by Bankrate, earning strong customer reviews, and is backed by major financial services companies.

Lower prices enable more transparency: you can get personalized rates online without applying or talking to sales. The rate tool includes a slider that shows how your monthly payment changes with and without points—clarity most lenders don’t offer until deep into the process.

Heads-up on refinancing: Tomo Mortgage doesn’t offer refinancing at this time.
See today’s rates

Read full review: Tomo Mortgage

What borrowers say

“I almost went with a different lender at first but ended up going to tomo and I’m glad I did… 10/10”
— Melina B., Virginia (via Google)
“Loan advisory team was remarkably responsive… stayed engaged until the very end.”
— Selva D., New Jersey (via Google)
“Because of Tomo’s low APRs… it gets a perfect 5 out of 5 stars for affordability.”

Why it stands out

Based in Texas City and serving the Gulf Coast, AMOCO FCU delivers innovative mortgage options. The Made For You Mortgage targets teachers, school administrators, and healthcare professionals with 100% financing, $0 down, no PMI, and reduced closing costs—rare for a single program. AMOCO also offers construction loans, pool loans (up to 90% of home value, no origination fee), and financing for land, second homes, manufactured homes, condos, and duplexes.

See rate ranges

Read full review: AMOCO Federal Credit Union

What customers say

Yelp shows mixed feedback (~3.2★ across locations). While a few comments mention mortgage help, most reviews are not mortgage-specific.

Why it stands out

Not Texas-based but lends nationwide with strong presence serving military families. Competitive rates, no origination fee with direct deposit (save up to $1,500), and a free one-time float-down on conventional loans if rates fall after lock. Eligible members can access up to $12,500 in down payment/closing cost assistance (forgivable after five years). Offers VA, FHA, USDA, jumbo, and conventional products.

See rate ranges

Read full review: Andrews Federal Credit Union

What customers say

NerdWallet rates Andrews 4.5★ for strong pricing and breadth of loan options. Some Yelp reviews cite service/servicing frustrations at certain branches—experiences vary by location.

Rocket Mortgage and Chase Bank originated billions in Texas loans last year; neither appears in our closed-loan dataset used for ranking. We reviewed HMDA volume and spot-checked public rate sources for context. These aren’t directly comparable to our ranked lenders, but they’re useful reference points when shopping broadly.

Rocket Mortgage

Originated over $7.0B across more than 24,000 Texas loans in 2024 (avg. ~$292k). Mix: ~60% purchase, ~39% refi—active on both sides of the market.

Chase Bank

Originated almost $3.9B across more than 10,000 Texas loans in 2024 (avg. ~$378k). Mix: ~85% purchase, ~14% refi, small share home-improvement.

Lender Pick HQ Interest Rates (historical) Lender Fees Notable Programs / Notes Website Full Review
Tomo Mortgage Best for Low Rates & Experience New York, NY ~0.30% below median $0 Transparent online quotes; Bankrate “Best Online Lender 2025”; no refi currently tomo.com Read full review
AMOCO Federal Credit Union Best Texas Credit Union Texas City, TX ~0.34% below median ~$1,500 “Made For You Mortgage”: 100% financing, $0 down, no PMI; wide property eligibility amocofcu.org Read full review
Andrews Federal Credit Union Best for Closing Cost Assistance Suitland, MD ~0.48% below median ~$1,500 (often waived) Up to $12.5k assistance; no origination fee w/ direct deposit; float-down option andrewsfcu.org Read full review

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TrueRate Analyst

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Tomo Mortgage
5 out of 5 stars
Bankrate Zillow