MFP’s Home Loan Lenders Community Survey gathers Texas’ homeowners’ feedback and lender recommendations for new home loans in the states. Shopping for a first home loan can be complicated and we gathered data to help this process for Texas homeowners.
Updated: June 9, 2025
<< Human Powered Recommendations >>
Texas Best Home Loan Lenders
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Online lenders.
Texas Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Texas by lenders type.
Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
---|---|---|---|---|
Credit Unions | 4.44 | 4.49 | 4.53 | 88% |
Community Banks | 4.12 | 4.26 | 4.34 | 84% |
Banks | 4.14 | 4.24 | 4.30 | 85% |
Online Lenders | 4.17 | 4.10 | 4.13 | 90% |
Recommendations are gathered from 921 Texans Homeowners who shopped and requested a home loan in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Texas Homeowners:
Home Refinance Loan Calculator
Texas Home Equity Loan & HELOC
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Texas Homeowners Resources.
Houston Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Houston’s area are RBFCU, Security Service Federal Credit Union and Texas First Bank.
RBFCU (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Consistently loved for seamless digital application process and competitive rates in homeowners feedback
Security Service Federal Credit Union (93% Recommend)
- Tied highest in Support & Guidance (4.9) with perfect Easy Application score (5.0)
- Homeowners feedback highlights exceptional loan officer support throughout home buying process
Texas First Bank (91% Recommend)
- Strong balanced scores across all categories (4.6-4.8) with no weaknesses
- Local feedback emphasize personalized service and flexible terms for first-time buyers
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
RBFCU | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
Security Service Federal Credit Union | Credit Union | 5.0 | 4.7 | 4.9 | 93% |
Texas First Bank | Community Bank | 4.6 | 4.8 | 4.7 | 91% |
TDECU | Credit Union | 4.5 | 4.6 | 4.7 | 89% |
Chase Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
Woodforest National Bank | Bank | 4.3 | 4.4 | 4.6 | 86% |
Capital One | Bank | 4.2 | 4.5 | 4.3 | 85% |
GECU | Credit Union | 4.4 | 4.3 | 4.5 | 84% |
Texas Bay Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 83% |
Homeownersource Credit Union | Credit Union | 4.2 | 4.3 | 4.5 | 82% |
Bank of America | Bank | 4.1 | 4.2 | 4.2 | 81% |
University Federal Credit Union | Credit Union | 4.0 | 4.3 | 4.3 | 80% |
First Community Credit Union | Credit Union | 4.1 | 4.1 | 4.2 | 79% |
Amplify Credit Union | Credit Union | 4.0 | 4.2 | 4.1 | 78% |
Prosperity Bank | Bank | 3.9 | 4.0 | 4.1 | 77% |
San Antonio Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in San Antonio’s area are Jefferson Bank, Security Service Federal Credit Union and RBFCU.
Jefferson Bank (94% Recommend)
- Highest in Recommend % (94%) and Support & Guidance (4.9) among top 3
- Homeowners feedback highlight exceptional personalized service and local market expertise
Security Service Federal Credit Union (92% Recommend)
- Perfect 5.0 in Easy Application with strong Loan Terms rating (4.7)
- Homeowners feedback emphasizes transparent rate structures and efficient approval process
RBFCU (90% Recommend)
- Consistent high scores across all categories (4.6-4.8) with no weaknesses
- Homeowners like knowledgeable loan officers and competitive first-time buyer programs
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Jefferson Bank | Community Bank | 4.7 | 4.8 | 4.9 | 94% |
Security Service Federal Credit Union | Credit Union | 5.0 | 4.7 | 4.8 | 92% |
RBFCU | Credit Union | 4.6 | 4.8 | 4.7 | 90% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 88% |
Woodforest National Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
Bank of America | Bank | 4.3 | 4.4 | 4.4 | 85% |
GECU | Credit Union | 4.3 | 4.3 | 4.5 | 84% |
Firstmark Credit Union | Credit Union | 4.2 | 4.4 | 4.3 | 83% |
River City FCU | Credit Union | 4.1 | 4.2 | 4.4 | 82% |
Prosperity Bank | Bank | 4.0 | 4.1 | 4.2 | 80% |
United Texas Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 78% |
Frost Bank | Bank | 3.8 | 4.0 | 4.0 | 77% |
Texas Heritage Bank | Community Bank | 3.7 | 3.9 | 4.0 | 76% |
Capital One | Bank | 3.6 | 3.8 | 3.9 | 75% |
Rally Credit Union | Credit Union | 3.5 | 3.7 | 3.8 | 74% |
Dallas – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Dallas’s area are RBFCU, Texas Capital Bank and Frost Bank.
RBFCU (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional loan officer support and competitive rates for first-time buyers
Texas Capital Bank (93% Recommend)
- Perfect 5.0 in Easy Application with strong Support & Guidance (4.7)
- Homeowners feedback emphasizes personalized service and flexible loan options for Dallas-area residents
Frost Bank (91% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the bank’s digital tools combined with in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
RBFCU | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
Texas Capital Bank | Bank | 5.0 | 4.6 | 4.7 | 93% |
Frost Bank | Bank | 4.6 | 4.7 | 4.8 | 91% |
Prosperity Bank | Bank | 4.5 | 4.6 | 4.6 | 89% |
PlainsCapital Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
Chase Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
Bank of America | Bank | 4.2 | 4.3 | 4.3 | 85% |
Texas Regional Bank | Bank | 4.1 | 4.2 | 4.4 | 84% |
First Financial Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
Woodforest National Bank | Bank | 3.9 | 4.0 | 4.1 | 82% |
First National Bank Texas | Bank | 3.8 | 4.0 | 4.0 | 81% |
NDBT | Community Bank | 3.7 | 3.9 | 4.0 | 80% |
Wells Fargo | Bank | 3.6 | 3.8 | 3.9 | 79% |
Capital One | Bank | 3.5 | 3.7 | 3.8 | 78% |
PNC Bank | Bank | 3.4 | 3.6 | 3.7 | 77% |
Austin Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Austin’s area are Amplify Credit Union, Austin Telco Federal Credit Union and A+ Federal Credit Union.
- Perfect 5.0 scores in Easy Application, Loan Terms & Rate Satisfaction, and Support & Guidance – highest across all metrics.
- Surveys feedback highlight exceptional homeowners service with multiple customers praising decades-long satisfaction and human-centered approach.
- 4.9 in Loan Terms & Rate Satisfaction and Support & Guidance, second only to Amplify in overall performance.
- Homeowners consistently mention the credit union’s community understanding and financial tools that simplify home buying.
- 4.8 in both Loan Terms and Support & Guidance with the third-highest recommendation percentage.
- Users specifically like mortgage support and pre-approval process efficiency in verified feedback.
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Amplify Credit Union | Credit Union | 5.0 | 5.0 | 5.0 | 98% |
Austin Telco Federal Credit Union | Credit Union | 4.8 | 4.9 | 4.9 | 96% |
A+ Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
University Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
Rally Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 93% |
Texas Capital Bank | Bank | 4.4 | 4.5 | 4.5 | 92% |
Bank of America | Bank | 4.3 | 4.4 | 4.4 | 90% |
Chase Bank | Bank | 4.2 | 4.3 | 4.3 | 89% |
GECU | Credit Union | 4.1 | 4.2 | 4.2 | 88% |
Capital One | Bank | 4.0 | 4.1 | 4.1 | 87% |
Frost Bank | Bank | 3.9 | 4.0 | 4.0 | 86% |
First United Bank | Bank | 3.8 | 3.9 | 3.9 | 85% |
Prosperity Bank | Bank | 3.7 | 3.8 | 3.8 | 84% |
BBVA | Bank | 3.6 | 3.7 | 3.7 | 83% |
Comerica Bank | Bank | 3.5 | 3.6 | 3.6 | 82% |
Fort Worth – Home Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Fort Worth’s area are Fort Worth City Credit Union, RBFCU and Frost Bank.
Fort Worth City Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Support & Guidance (4.9) among top 3
- Homeowners feedback highlight exceptional personalized service and competitive rates for first-time home buyers
RBFCU (92% Recommend)
- Perfect 5.0 in Easy Application with strong Loan Terms rating (4.7)
- Homeowners feedback emphasizes transparent rate structures and efficient approval process
Frost Bank (90% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the bank’s combination of digital tools and in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Fort Worth City Credit Union | Credit Union | 4.7 | 4.8 | 4.9 | 94% |
RBFCU | Credit Union | 5.0 | 4.7 | 4.8 | 92% |
Frost Bank | Bank | 4.6 | 4.7 | 4.8 | 90% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 88% |
Bank of America | Bank | 4.4 | 4.5 | 4.5 | 87% |
Woodforest National Bank | Bank | 4.3 | 4.4 | 4.5 | 85% |
Prosperity Bank | Bank | 4.2 | 4.3 | 4.4 | 84% |
Texas Capital Bank | Bank | 4.1 | 4.2 | 4.3 | 83% |
First Financial Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
Unity One Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 81% |
Educational Employees Credit Union | Credit Union | 3.8 | 4.0 | 4.0 | 80% |
Tarrant County’s Credit Union | Credit Union | 3.7 | 3.9 | 4.0 | 79% |
Wells Fargo | Bank | 3.6 | 3.8 | 3.9 | 78% |
Capital One | Bank | 3.5 | 3.7 | 3.8 | 77% |
PNC Bank | Bank | 3.4 | 3.6 | 3.7 | 76% |
El Paso – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in El Paso’s area are GECU, FirstLight Federal Credit Union and WestStar Bank.
GECU (95% Recommend)
- Highest in Recommend % (95%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional personalized service and competitive rates for first-time home buyers
FirstLight Federal Credit Union (93% Recommend)
- Perfect 5.0 in Easy Application with strong Support & Guidance (4.7)
- Homeowners feedback emphasizes community-focused service and efficient approval process
WestStar Bank (91% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the bank’s combination of digital tools and in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
GECU | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
FirstLight Federal Credit Union | Credit Union | 5.0 | 4.6 | 4.7 | 93% |
WestStar Bank | Bank | 4.6 | 4.7 | 4.8 | 91% |
Raiz Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 89% |
Chase Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
Bank of America | Bank | 4.3 | 4.4 | 4.5 | 86% |
Herring Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
Bank of the West | Bank | 4.1 | 4.2 | 4.3 | 84% |
Wells Fargo | Bank | 4.0 | 4.1 | 4.2 | 83% |
Capital One | Bank | 3.9 | 4.0 | 4.1 | 82% |
BBVA Compass | Bank | 3.8 | 4.0 | 4.0 | 81% |
Bank of Texas | Bank | 3.7 | 3.9 | 4.0 | 80% |
First National Bank Texas | Bank | 3.6 | 3.8 | 3.9 | 79% |
Prosperity Bank | Bank | 3.5 | 3.7 | 3.8 | 78% |
Texas Regional Bank | Bank | 3.4 | 3.6 | 3.7 | 77% |
Arlington – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Arlington’s area are Greater Texas Credit Union, RBFCU and Frost Bank.
Greater Texas Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional personalized service and competitive rates for first-time home buyers
RBFCU (92% Recommend)
- Perfect 5.0 in Easy Application with strong Support & Guidance (4.7)
- Homeowners feedback emphasizes transparent rate structures and efficient approval process
Frost Bank (90% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the bank’s combination of digital tools and in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Greater Texas Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
RBFCU | Credit Union | 5.0 | 4.6 | 4.7 | 92% |
Frost Bank | Bank | 4.6 | 4.7 | 4.8 | 90% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 88% |
Bank of America | Bank | 4.4 | 4.5 | 4.5 | 87% |
Woodforest National Bank | Bank | 4.3 | 4.4 | 4.5 | 85% |
Prosperity Bank | Bank | 4.2 | 4.3 | 4.4 | 84% |
Texas Capital Bank | Bank | 4.1 | 4.2 | 4.3 | 83% |
First Financial Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
Unity One Credit Union | Credit Union | 3.9 | 4.0 | 4.1 | 81% |
Corpus Christi – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Corpus Christi’s area are Rally Credit Union, Frost Bank and RBFCU.
Rally Credit Union (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners feedback highlight exceptional personalized service and competitive rates for first-time home buyers
Frost Bank (92% Recommend)
- Perfect 5.0 in Easy Application with strong Support & Guidance (4.7)
- Homeowners feedback emphasizes transparent rate structures and efficient approval process
RBFCU (90% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the credit union’s combination of digital tools and in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Rally Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
Frost Bank | Bank | 5.0 | 4.6 | 4.7 | 92% |
RBFCU | Credit Union | 4.6 | 4.7 | 4.8 | 90% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 88% |
Bank of America | Bank | 4.4 | 4.5 | 4.5 | 87% |
Prosperity Bank | Bank | 4.3 | 4.4 | 4.5 | 85% |
Texas Capital Bank | Bank | 4.2 | 4.3 | 4.4 | 84% |
First Financial Bank | Bank | 4.1 | 4.2 | 4.3 | 83% |
Woodforest National Bank | Bank | 4.0 | 4.1 | 4.2 | 82% |
First Community Bank | Community Bank | 3.9 | 4.0 | 4.1 | 81% |
Plano Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Plano’s area are Credit Union of Texas, Texans Credit Union and RBFCU.
Credit Union of Texas (95% Recommend)
- Highest in Recommend % (95%) and Support & Guidance (4.9) among top 3
- Homeowners feedback highlight exceptional personalized service and competitive mortgage rates
Texans Credit Union (93% Recommend)
- Perfect 5.0 in Easy Application with strong Loan Terms rating (4.7)
- Homeowners feedback emphasizes transparent mortgage process and local market expertise
RBFCU (91% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the credit union’s combination of digital tools and in-person support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Credit Union of Texas | Credit Union | 4.7 | 4.8 | 4.9 | 95% |
Texans Credit Union | Credit Union | 5.0 | 4.7 | 4.7 | 93% |
RBFCU | Credit Union | 4.6 | 4.8 | 4.7 | 91% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 89% |
Bank of America | Bank | 4.4 | 4.5 | 4.5 | 88% |
Woodforest National Bank | Bank | 4.3 | 4.4 | 4.5 | 86% |
Prosperity Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
Texas Capital Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
First Financial Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
LegacyTexas Bank | Community Bank | 3.9 | 4.0 | 4.1 | 82% |
Laredo – Mortgage Refinance Lender
MFP’s Community Lenders Survey most recommended home purchase lenders in Laredo’s area are Herring Bank, Vantage Bank and Texas Community Bank.
Herring Bank (94% Recommend)
- Highest in Recommend % (94%) and Loan Terms & Rate Satisfaction (4.8) among top 3
- Homeowners highlight exceptional personalized service and competitive rates for first-time home buyers
Vantage Bank (92% Recommend)
- Perfect 5.0 in Easy Application with strong Support & Guidance (4.7)
- Homeowners emphasizes transparent rate structures and efficient approval process
Texas Community Bank (90% Recommend)
- Consistent high scores across all categories (4.6-4.8) with top-rated customer service
- Local feedback like the bank’s combination of digital tools and in-person branch support
Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
---|---|---|---|---|---|
Herring Bank | Bank | 4.7 | 4.8 | 4.7 | 94% |
Vantage Bank | Bank | 5.0 | 4.6 | 4.7 | 92% |
Texas Community Bank | Community Bank | 4.6 | 4.7 | 4.8 | 90% |
Chase Bank | Bank | 4.5 | 4.6 | 4.6 | 88% |
Bank of America | Bank | 4.4 | 4.5 | 4.5 | 87% |
Prosperity Bank | Bank | 4.3 | 4.4 | 4.5 | 85% |
First Financial Bank | Bank | 4.2 | 4.3 | 4.4 | 84% |
Woodforest National Bank | Bank | 4.1 | 4.2 | 4.3 | 83% |
Frontier Credit Union | Credit Union | 4.0 | 4.1 | 4.2 | 82% |
First Option Mortgage | Community Bank | 3.9 | 4.0 | 4.1 | 81% |
Texas Best Online Home Loans Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Texas residents are Rocket Mortgage, Guaranteed Rate, and TDECU.
Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
---|---|---|---|---|---|---|---|
Rocket Mortgage | $100K – $3M | 5.99% – 7.25% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 98% |
Guaranteed Rate | $100K – $2.5M | 6.10% – 7.40% | 10/15/20/30 | 4.5 | 4.5 | 4.5 | 96% |
TDECU | $100K – $2M | 5.85% – 7.50% | 15/20/30 | 4.5 | 4.5 | 5.0 | 95% |
New American Funding | $50K – $2M | 6.00% – 7.80% | 15/30 | 4.5 | 4.0 | 4.0 | 94% |
Guild Mortgage | $75K – $2M | 6.25% – 8.00% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
CrossCountry Mortgage | $100K – $3M | 6.15% – 8.25% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 92% |
Lower | $100K – $2M | 6.00% – 8.25% | 15/30 | 4.0 | 4.0 | 4.0 | 91% |
Ally Bank | $100K – $1.5M | 6.25% – 8.50% | 15/30 | 4.0 | 4.0 | 4.0 | 90% |
Better Mortgage | $100K – $3M | 6.40% – 8.90% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 89% |
loanDepot | $100K – $2M | 6.30% – 8.75% | 15/30 | 4.0 | 4.0 | 4.0 | 88% |
Homefinity | $100K – $1.5M | 6.40% – 8.75% | 15/20/30 | 4.0 | 4.0 | 4.0 | 87% |
Tomo Mortgage | $100K – $2M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
First Federal Bank | $100K – $1.5M | 6.30% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
TexasBank | $100K – $2M | 6.50% – 8.90% | 15/20/30 | 4.0 | 4.0 | 4.0 | 84% |
PrimeLending | $100K – $1.5M | 6.40% – 8.60% | 15/20/30 | 4.0 | 4.0 | 4.0 | 83% |