Buying a home in Texas is not only about finding the right property. The mortgage company can affect your interest costs, closing expenses, approval experience and the amount of cash needed at closing. A lender that suits a first-time buyer in Houston may not be the right choice for a military family in San Antonio or a buyer purchasing a newly built home near Dallas.
Texas recorded 329,866 home-purchase mortgages worth approximately $113.6 billion in 2024, according to the latest detailed state report. Refinancing also increased sharply, reaching more than $12.7 billion. These figures show the size and competitiveness of the Texas mortgage market.
The companies below were selected using their Texas lending presence, available mortgage programs, application process, support system and suitability for different types of borrowers. The order is not based on advertised interest rates because mortgage rates and lender credits can change daily.
1. Rocket Mortgage
Rocket Mortgage is one of the largest home lenders serving Texas. It originated approximately $7 billion in Texas mortgages during 2024, placing it second among lenders in the state by overall loan volume in the available Texas lender rankings. Nationally, Rocket also led lenders by loan count in the newly released 2025 HMDA data.
Rocket is built around an online mortgage process. Borrowers can apply, upload financial documents, review loan information and communicate with the company without visiting a branch. This makes it convenient for buyers who prefer managing most of the transaction digitally.
Its available products include conventional mortgages, FHA loans, VA loans, jumbo loans, adjustable-rate mortgages and refinancing options. Eligible borrowers may also consider Rocket’s ONE+ program. Under this program, a qualifying buyer can contribute as little as 1% toward the down payment, while Rocket provides a 2% grant, subject to income, property and underwriting requirements.
Rocket may suit first-time buyers, busy professionals and borrowers who want a fast digital application experience. However, customers who prefer regular face-to-face meetings with a local loan officer may find its online-focused approach less personal.
Why Rocket Mortgage is good for Texas borrowers: Its significant lending volume, convenient online platform and range of low-down-payment and government-backed loans make it suitable for many types of homebuyers.
Corporate address: 1050 Woodward Avenue, Detroit, MI 48226-1906
Official website: https://www.rocketmortgage.com/
Rocket publishes this Detroit address in its official contact and licensing information.
2. Chase Home Lending
Chase is one of the largest bank-based mortgage lenders in Texas. It originated approximately $3.9 billion in Texas home loans during 2024, making it the state’s fourth-largest mortgage lender by overall volume in the available ranking.
The company offers fixed-rate mortgages, adjustable-rate mortgages, jumbo loans, FHA loans, VA loans and refinancing. Its DreaMaker mortgage provides down-payment options as low as 3% for qualifying borrowers, although income limits and other conditions apply. Chase also offers Standard Agency mortgages with low-down-payment options.
Some eligible buyers may qualify for a Chase Homebuyer Grant of $2,500 or $5,000 in selected areas. The money may be applied toward an eligible down payment or closing costs, depending on the mortgage program and property location.
Chase can be particularly convenient for existing bank customers. Depending on the borrower’s accounts, assets and selected mortgage, relationship-based pricing or other benefits may be available. Customers can also work with a Home Lending Advisor by telephone or at participating branches.
Why Chase is good for Texas borrowers: It combines a broad mortgage selection with physical branches, online services, low-down-payment programs and possible benefits for qualifying Chase customers.
Corporate headquarters: 270 Park Avenue, New York, NY 10017
Official website: https://www.chase.com/personal/mortgage
JPMorgan Chase lists 270 Park Avenue as its corporate headquarters.
3. DHI Mortgage
DHI Mortgage is headquartered in Austin and has a substantial presence in the Texas new-home market. It originated approximately $5.7 billion in Texas mortgages during 2024, placing it third among lenders in the state by overall volume.
The company is affiliated with D.R. Horton, one of the country’s major homebuilders. This connection allows DHI Mortgage to coordinate the mortgage process with the construction and closing schedule when a customer purchases an eligible D.R. Horton property.
Depending on the community and offer, buyers may encounter temporary rate buydowns, closing-cost assistance or other builder-linked financing incentives. These promotions are not guaranteed and may change according to the property, loan program and closing date.
DHI Mortgage offers a wide selection of programs that may include conventional, FHA, VA, USDA, jumbo and down-payment-assistance loans. The exact options available depend on the borrower, property and participating DHI Mortgage branch.
Buyers should still compare DHI’s Loan Estimate with offers from outside lenders. A large builder incentive can be valuable, but borrowers should examine the interest rate, discount points, origination charges and long-term cost before accepting it.
Why DHI Mortgage is good for Texas borrowers: Its Texas headquarters, strong new-construction experience and coordination with D.R. Horton can simplify financing for eligible homebuyers purchasing a newly built property.
Corporate address: 10700 Pecan Park Boulevard, Suite 450, Austin, TX 78750
Official website: https://www.dhimortgage.com/
DHI Mortgage publishes this Austin address and identifies the company under NMLS number 14622.
4. loanDepot
loanDepot is a national direct mortgage lender with online services and local loan officers. It originated approximately $2.7 billion in Texas home loans during 2024, placing it among the ten largest mortgage lenders operating in the state.
The company offers fixed-rate and adjustable-rate mortgages, conventional loans, FHA loans, VA loans, jumbo mortgages, refinancing and home-equity products. Its jumbo mortgage program can provide higher loan amounts for qualifying customers purchasing more expensive properties.
Customers can begin the application online or communicate with a licensed lending officer. This combination can work well for borrowers who want digital convenience but still want access to a person who can explain documentation, underwriting requirements and closing costs.
loanDepot also promotes home-equity loans and cash-out refinancing. Texas has special constitutional rules governing home-equity lending, so homeowners should confirm that a proposed product complies with Texas requirements and carefully compare its fees with other ways of borrowing.
Why loanDepot is good for Texas borrowers: Its direct-lending model, online application system and selection of purchase, refinance and home-equity products provide flexibility for both buyers and existing homeowners.
Corporate headquarters: 6561 Irvine Center Drive, Irvine, CA 92618
Official website: https://www.loandepot.com/
loanDepot lists its Irvine headquarters and confirms that it is licensed across all 50 states.
5. Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation originated approximately $2.6 billion in Texas mortgages during 2024. It was also among the leading purchase lenders in several major Texas markets, including Austin, Houston and Fort Worth.
Fairway operates through a network of mortgage professionals rather than relying entirely on a centralized online process. Borrowers can work with a loan officer who helps collect documents, review program options and manage the loan from application through closing.
Its mortgage selection includes conventional, FHA, VA, USDA and jumbo loans, along with affordable-housing and down-payment options for eligible buyers. USDA loans may offer qualified borrowers a no-down-payment option when the buyer, household income and property location satisfy federal requirements.
Fairway can be useful for borrowers whose applications require more explanation, including first-time buyers, rural homebuyers and customers comparing different government-backed programs.
Why Fairway is good for Texas borrowers: Its loan-officer-based service and broad selection of conventional and government-backed mortgages can help borrowers who value guidance throughout the approval process.
Corporate headquarters: 4750 South Biltmore Lane, Madison, WI 53718
Official website: https://www.fairway.com/
Fairway lists this Madison location as its corporate headquarters.
What Texas Borrowers Should Compare Before Choosing
The lowest advertised interest rate does not automatically represent the cheapest mortgage. A rate may include discount points, which require the borrower to pay more at closing. Lender credits work in the opposite direction: they reduce upfront costs but may result in a higher interest rate.
Borrowers should request official Loan Estimates for the same loan type, term, down payment and rate-lock period. Compare the interest rate, annual percentage rate, origination charges, discount points, lender credits, estimated cash to close and five-year borrowing cost. The CFPB recommends contacting at least three lenders rather than accepting the first offer.
Texas residents can also verify a mortgage company or individual loan originator through NMLS Consumer Access. The Texas Department of Savings and Mortgage Lending specifically directs consumers to NMLS when checking whether an originator is properly licensed.
Frequently Asked Questions
Q: Does getting preapproved mean the mortgage is guaranteed?
A: No. A preapproval shows that a lender is generally willing to lend up to a stated amount based on certain information and assumptions. Final approval still depends on complete underwriting, verified income and assets, the property appraisal, title work and the absence of significant financial changes before closing. Lenders also use the terms “preapproval” and “prequalification” differently.
Q: Will comparing several mortgage lenders damage my credit score?
A: Mortgage credit inquiries made within a focused shopping period are generally treated as a single inquiry by common credit-scoring models. The CFPB states that multiple mortgage credit checks within a 45-day window are recorded as one inquiry for this purpose, allowing borrowers to compare several lenders.
Q: How soon must a lender provide a Loan Estimate?
A: After receiving the required mortgage application information, a lender must generally provide a Loan Estimate within three business days. The three-page form shows the proposed rate, payment, closing costs and other important terms.
Q: Can Texas buyers receive down-payment assistance?
A: Qualified Texas buyers may be able to use programs offered through organizations such as the Texas State Affordable Housing Corporation. TSAHC provides fixed-rate mortgage programs and down-payment assistance for eligible households, including specialized options for certain public-service professions. Buyers must use an approved participating lender and satisfy the applicable income, credit and property requirements.
Q: Can another company take over the mortgage after closing?
A: Yes. The lender that originates a mortgage and the company that services it may be different. Servicing rights can also be transferred later. The old servicer generally must notify the borrower at least 15 days before the transfer, and the new servicer generally must provide notice no later than 15 days afterward.
Q: How long does a mortgage rate lock normally last?
A: Common rate-lock periods are 30, 45 or 60 days, although longer locks may be available. If construction, appraisal or underwriting delays push the closing beyond the expiration date, extending the lock may involve an additional charge. The Loan Estimate should show whether the rate is locked and when the lock expires.
