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Top refinance lenders in Texas (2025)

Rate-and-term and cash-out refinance applications combined.

960kApplications in TX
24.9%State decision denial rate
6.50%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
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United States Alabama592 Alaska140 Arizona630 Arkansas426 California819 Colorado629 Delaware333 District of Columbia255 Florida1132 Georgia782 Guam3 Hawaii198 Idaho344 Illinois778 Indiana651 Iowa435 Kansas425 Kentucky498 Louisiana435 Maine294 Maryland548 Massachusetts535 Michigan610 Minnesota552 Mississippi356 Missouri607 Montana242 Nebraska315 Nevada380 New Hampshire335 New Jersey618 New Mexico318 New York526 North Carolina765 North Dakota164 Ohio726 Oklahoma504 Oregon444 Pennsylvania798 Puerto Rico60 Rhode Island255 South Carolina661 South Dakota179 Tennessee755 Texas1101 Utah345 Vermont155 Virginia662 Washington539 West Virginia331 Wisconsin593 Wyoming197
#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 Rocket MortgagePlymouth, MI C 26,677 45,658 22.4% 6.63%
2 United Shore Financial ServicesPlymouth, MI B 24,981 56,491 11.0% 6.25%
3 NewrezWilmington, DE D 11,688 15,001 21.7% 6.50%
4 Randolph-Brooks Federal Credit UnionLive Oak, TX C 11,075 13,859 10.5% 6.88%
5 Freedom MortgageBoca Raton, FL B 9,621 12,545 7.5% 6.25%
6 Pennymac Loan ServicesWestlake Village, CA C 8,317 14,770 13.1% 6.38%
7 Lakeview Loan ServicingCoral Gables, FL C 6,706 8,308 57.4% 6.25%
8 Credit Union of TexasAllen, TX C 4,563 4,573 29.0% 7.75%
9 AmeriSave MortgageSandy Springs, GA D 4,549 4,689 64.8% 7.50%
10 JPMorgan Chase BankColumbus, OH B 4,253 16,260 9.8% 6.45%
11 Broker SolutionsTustin, CA D 4,142 11,832 9.0% 6.75%
12 Mortgage Research CenterColumbia, MO C 4,125 14,249 17.5% 6.25%
13 Loandepot.ComIrvine, CA D 3,486 14,655 23.5% 5.99%
14 Nationstar MortgageCoppell, TX C 3,303 5,943 18.6% 6.99%
15 Carrington Mortgage ServicesOrange, CA D 2,969 3,471 46.2% 6.63%
16 CMG MortgageSan Ramon, CA A 2,837 15,978 3.9% 6.50%
17 Crosscountry MortgageCleveland, OH B 2,351 11,858 3.3% 6.63%
18 Village Capital & InvestmentHenderson, NV C 2,284 2,390 9.1% 5.75%
19 Guaranteed RateChicago, IL B 2,236 7,396 5.9% 6.50%
20 Bank of AmericaCharlotte, NC F 2,126 18,008 43.0% 6.24%
21 Wells Fargo BankCharlotte, NC B 2,110 5,902 21.6% 6.38%
22 Navy Federal Credit UnionVienna, VA D 2,045 11,693 25.6% 6.38%
23 American FinancingAurora, CO D 2,035 2,183 55.4% 6.50%
24 Guild MortgageSan Diego, CA A 2,015 9,935 4.0% 6.50%
25 Rally Credit UnionCorpus Christi, TX D 1,924 3,679 35.7% 6.63%
26 Amerihome Mortgage CompanyThousand Oaks, CA B 1,829 2,736 9.5% 6.38%
27 Royal United MortgageIndianapolis, IN F 1,761 1,782 26.9% 6.88%
28 PHH MortgageMount Laurel, NJ C 1,703 1,848 9.5% 6.50%
29 GoodLeapRoseville, CA C 1,673 1,679 29.6% 6.50%
30 PNC BankWilmington, DE D 1,519 8,211 41.1% 7.74%
31 Kiavi FundingWilmington, DE D 1,453 2,887 7.7% 9.50%
32 Frost BankSan Antonio, TX C 1,381 11,929 41.8% 7.57%
33 Fairway Independent MortgageMadison, WI B 1,300 10,312 3.9% 6.63%
34 Network FundingHouston, TX C 1,285 3,441 11.2% 6.62%
35 Planet Home LendingMeriden, CT B 1,279 2,002 14.6% 5.99%
36 The Loan StoreSan Francisco, CA B 1,260 5,162 11.9% 6.75%
37 Security Service Federal Credit UnionSan Antonio, TX C 1,220 5,134 23.8% 6.99%
38 Homexpress MortgageSanta Ana, CA C 1,219 1,829 47.0% 7.50%
39 Champions FundingGilbert, AZ F 1,156 2,258 22.8% 7.50%
40 OCMBCIrvine, CA C 1,129 2,459 9.8% 7.25%
41 Lakeview Community CapitalTucson, AZ A 1,071 1,071 1.3% 6.25%
42 Kind LendingIrvine, CA C 980 5,912 23.8% 6.50%
43 Mutual of Omaha MortgageSan Diego, CA C 946 1,987 16.9% 6.38%
44 Hometown Equity MortgageLake Forest, CA C 924 1,667 48.2% 7.38%
45 Sofi BankCottonwood Heights, UT D 917 4,246 10.1% 6.99%
46 First United Bank and TrustDurant, OK C 897 4,053 6.5% 6.75%
47 LendingoneBoca Raton, FL F 881 1,945 13.2% 7.02%
48 Everett FinancialDallas, C 862 5,075 4.2% 6.75%
49 Paramount Residential Mortgage GroupCorona, CA B 849 4,266 2.6% 6.50%
50 Primelending, a PlainscapitalDallas, TX A 845 8,656 6.0% 6.25%

How this list is built

Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.