Best Mortgage Lenders in Texas of 2026

When it comes to making one of the most significant financial decisions of your life, buying a home, choosing the right mortgage lender is paramount. In the vast landscape of Texas, where everything is bigger and better, let's explore the top 5 mortgage companies that stand out for their reliability, service quality, and competitive offerings.

Texas Real Estate Market in 2026

When looking back last year in 2025, the Texas housing market displayed mixed sales results and slightly softer pricing compared to 2024. Sales volume fluctuated throughout the year; while the summer months (June through September) outperformed 2024 with a year-over-year increase, peaking at a 7.64% jump in June. Other periods like early spring and November saw declines. Pricing trends also cooled, with the median home price in the latter half of 2025 consistently landing below 2024 levels. For example, the median price in November 2025 was $330,000, slightly lower than the $333,000 recorded in November 2024.

The most distinct shift in 2025 was the significant expansion of housing inventory. Throughout the year, both active listings and months of inventory remained consistently higher than in 2024. By April 2025, the market surpassed 5 months of inventory, a level not seen in the previous year, and maintained that higher supply through November. While 2024 inventory levels remained tighter, ranging between 3.3 and 4.7 months, the steady increase in 2025 suggests the market moved toward more balanced conditions with greater availability for buyers.

See latest Texas housing market insights

Best Mortgage Lenders in Texas of 2026

1. AsertaLoans

Rating: 5.0 stars

Ranked as the premier mortgage company in Texas, AsertaLoans has earned a stellar reputation for its diverse range of mortgage products, tailored to meet the unique needs of Texas homebuyers. With a track record of customer satisfaction and competitive rates, they are a top choice for those seeking a trustworthy and efficient lender.

The company's mission is to guarantee the lowest rates for all clients by partnering with low rate wholesale lending partners, passing on savings to clients.

www.asertaloans.com

3232 McKinney Avenue, Suite 500, Dallas, TX 75204

(214) 960-0998

2. PNC Bank

Rating: 5.0 stars

With a strong presence across Texas, PNC Bank is known for its commitment to transparency and customer satisfaction. Their array of financing options, coupled with competitive interest rates, makes them a popular choice among those looking to finance their dream home in the Lone Star State.

12601 Lake June Rd, Balch Springs, TX 75180

(888) 762-2265

3. Stellar Bank

Rating: 4.9 stars

Stellar Bank helps homebuyers from application to closing, with regional contact points for support. In Texas, Stellar highlights a broad menu of options, conforming and jumbo mortgages plus USDA/FHA/VA, ARMs, first-time homebuyer programs, and specialty offerings like physician and “hero” mortgages, along with construction-to-permanent one-time-close financing, lot/land loans, and home equity/HELOC products.

6226 Washington Ave Suite 100, Houston, TX 77007

(713) 499-1800

4. Frost Bank

Rating: 5.0 stars

Frost Bank has made a name for itself in the Texas mortgage industry by providing cutting-edge technology that simplifies the mortgage application process. With a reputation for quick approvals and responsive customer service, they have become a top choice for tech-savvy borrowers seeking a modern approach to home financing.

142 Southmore Ave, Pasadena, TX 77502

(800) 513-7678

5. Security Service Federal Credit Union

Rating: 5.0 stars

Security Service Federal Credit Union’s mortgage team in Texas is built around dedicated Mortgage Loan Officers (many based out of San Antonio) who guide members through the home-loan process with direct, local points of contact. They emphasize a purchase-friendly workflow for Texas buyers and real estate agents by assigning a dedicated loan officer, aiming for fast pre-approvals, and helping “vet” borrowers to keep transactions moving smoothly, while also listing their NMLS details and registered mortgage staff for transparency.

9311 San Pedro Ave Suite 150, San Antonio, TX 78216

(888) 415-7878

Finding the Right Mortgage Lender for You

Choosing the right mortgage company is crucial in securing a home loan that fits your needs and budget. These top 5 mortgage companies in Texas have proven track records of excellence, making them worthy contenders for anyone embarking on the journey of homeownership in the Lone Star State.

Whether you are a first-time homebuyer or a seasoned investor, these reputable lenders offer the expertise and resources needed to navigate the complex world of mortgages with confidence and ease. So why settle for less when you can choose from the best mortgage companies in Texas to make your homeownership dreams a reality!