Home purchase lenders in Harris County
43,298 home purchase mortgages were made in Harris County, Texas, in 2025, by 792 lenders. The median rate their borrowers got was 6.375% on a median loan of $285,000. Of 54,839 decisions, 9,613 were denials — 17.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,649 | 6.499% | $275,000 | 10.9% |
| LENNAR MORTGAGE, LLC | 2,263 | 4.375% | $245,000 | 26.1% |
| Rocket Mortgage, LLC | 2,022 | 6.375% | $275,000 | 16.7% |
| Broker Solutions, Inc. | 1,320 | 6.500% | $225,000 | 5.4% |
| JPMorgan Chase Bank, National Association | 1,263 | 6.375% | $305,000 | 14.2% |
| CMG MORTGAGE, INC. | 1,199 | 6.500% | $275,000 | 5.7% |
| DHI MORTGAGE COMPANY, LTD. | 1,059 | 4.875% | $285,000 | 18.7% |
| Cadence Bank | 917 | 6.125% | $375,000 | 7.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 626 | 6.575% | $265,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 597 | 6.500% | $275,000 | 5.1% |
| Loandepot.Com, LLC | 551 | 5.875% | $295,000 | 13.3% |
| Taylor Morrison Home Funding, Inc. | 545 | 4.990% | $355,000 | 16.2% |
| KIND LENDING, LLC | 537 | 6.500% | $275,000 | 25.9% |
| Fairway Independent Mortgage Corporation | 508 | 6.625% | $315,000 | 4.5% |
| Bank of America, National Association | 464 | 6.000% | $275,000 | 27.2% |
| Paramount Residential Mortgage Group, Inc. | 432 | 6.375% | $320,000 | 5.1% |
| THE LOAN STORE, INC. | 432 | 6.625% | $255,000 | 8.6% |
| Mortgage Research Center, LLC | 426 | 6.250% | $305,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 424 | 6.625% | $275,000 | 7.3% |
| NETWORK FUNDING, L.P. | 412 | 6.433% | $330,000 | 5.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 388 | 6.250% | $315,000 | 5.6% |
| GUARANTEED RATE, INC. | 368 | 6.500% | $315,000 | 7.3% |
| CLM MORTGAGE, INC. | 358 | 5.490% | $345,000 | 0.8% |
| CORNERSTONE CAPITAL BANK, SSB | 340 | 6.250% | $355,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 334 | 6.490% | $335,000 | 18.6% |
| PLAZA HOME MORTGAGE, INC. | 297 | 6.500% | $265,000 | 24.1% |
| AMWEST FUNDING CORP. | 284 | 6.875% | $225,000 | 5.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 284 | 5.875% | $325,000 | 5.0% |
| NFM, INC. | 280 | 6.750% | $255,000 | 4.4% |
| KBHS HOME LOANS, LLC | 276 | 6.500% | $275,000 | 17.5% |
| Navy Federal Credit Union | 267 | 6.250% | $335,000 | 24.1% |
| Prosperity Bank | 264 | 7.063% | $405,000 | 20.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 262 | 5.663% | $315,000 | 6.0% |
| NEWREZ LLC | 254 | 6.500% | $275,000 | 13.9% |
| EVERETT FINANCIAL, INC. | 251 | 6.625% | $275,000 | 10.6% |
| TOWNE MORTGAGE COMPANY | 249 | 5.875% | $275,000 | 2.5% |
| FREEDOM MORTGAGE CORPORATION | 238 | 6.000% | $315,000 | 20.3% |
| VELOCIO MORTGAGE L.L.C. | 224 | 4.990% | $285,000 | 4.3% |
| LEGEND LENDING CORPORATION | 223 | 6.625% | $275,000 | 0.4% |
| Click n' Close, Inc. | 222 | 6.625% | $275,000 | 5.1% |
| MOVEMENT MORTGAGE, LLC | 220 | 6.625% | $295,000 | 4.9% |
| GUARANTEED RATE AFFINITY, LLC | 219 | 6.500% | $375,000 | 3.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 212 | 6.375% | $315,000 | 6.2% |
| First Horizon Bank | 210 | 6.250% | $405,000 | 11.0% |
| CHEVRON Federal Credit Union | 210 | 5.750% | $430,000 | 3.2% |
| Wells Fargo Bank, National Association | 209 | 6.375% | $265,000 | 30.0% |
| PULTE MORTGAGE LLC | 209 | 4.990% | $285,000 | 29.0% |
| GRACE HOME LENDING, LLC | 207 | 5.875% | $375,000 | 0.5% |
| BRIGHTLAND MORTGAGE SERVICES, LTD. | 196 | 6.125% | $345,000 | 0.5% |
| SECURITYNATIONAL MORTGAGE COMPANY | 190 | 6.750% | $265,000 | 14.4% |
| OCMBC, INC. | 190 | 7.063% | $235,000 | 11.7% |
| First Financial Bank | 188 | 6.900% | $235,000 | 6.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 185 | 10.990% | $85,000 | 84.2% |
| JET HOMELOANS, LP | 182 | 5.563% | $375,000 | 7.5% |
| ZILLOW HOME LOANS, LLC | 179 | 6.625% | $255,000 | 12.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 177 | 6.500% | $325,000 | 5.3% |
| V.I.P. MORTGAGE, INC. | 176 | 6.188% | $325,000 | 4.9% |
| Gateway First Bank | 174 | 6.375% | $270,000 | 2.2% |
| U.S. Bank National Association | 173 | 6.250% | $335,000 | 17.4% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 171 | 6.750% | $285,000 | 7.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 170 | 6.625% | $285,000 | 4.3% |
| A&D Mortgage LLC | 167 | 6.750% | $245,000 | 11.5% |
| FIRST COMMUNITY CREDIT UNION | 165 | 6.000% | $335,000 | 4.1% |
| Regions Bank | 163 | 6.125% | $695,000 | 18.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 160 | 6.375% | $285,000 | 11.1% |
| Trustmark National Bank | 159 | 5.875% | $615,000 | 38.2% |
| M/I FINANCIAL, LLC | 159 | 4.875% | $325,000 | 3.8% |
| Frost Bank | 153 | 6.500% | $245,000 | 25.1% |
| 21st Mortgage Corporation | 152 | 10.565% | $95,000 | 83.4% |
| Zions Bancorporation, N.A. | 152 | 6.125% | $415,000 | 16.6% |
| CHAMPIONS FUNDING, LLC | 152 | 7.375% | $245,000 | 21.1% |
| AML FUNDING LLC | 148 | 6.625% | $245,000 | 5.7% |
| Kiavi Funding, Inc. | 147 | 10.450% | $205,000 | 11.4% |
| Nations Lending Corporation | 146 | 6.500% | $255,000 | 3.1% |
| CRESTMARK MORTGAGE COMPANY, LTD. | 143 | 6.375% | $455,000 | 0.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 137 | 5.500% | $335,000 | 33.5% |
| Synergy One Lending, Inc. | 137 | 6.500% | $285,000 | 11.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 136 | 6.750% | $255,000 | 22.3% |
| 254900J2RKTTDJSUWD76 | 133 | 6.875% | $275,000 | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 127 | 5.750% | $295,000 | 36.3% |
| Flagstar Bank, N.A. | 127 | 6.500% | $295,000 | 30.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 127 | 7.000% | $305,000 | 4.6% |
| INSPIRE HOME LOANS INC. | 124 | 4.875% | $275,000 | 14.5% |
| COLINA MORTGAGE GROUP, LLC | 122 | 4.990% | $295,000 | 12.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 121 | 6.375% | $255,000 | 2.4% |
| HOMETRUST MORTGAGE COMPANY | 116 | 6.688% | $300,000 | 9.4% |
| PNC Bank, National Association | 108 | 6.250% | $405,000 | 29.4% |
| Hometown Equity Mortgage, LLC | 107 | 7.625% | $245,000 | 32.3% |
| Citibank, National Association | 107 | 5.875% | $805,000 | 4.4% |
| Citadel Servicing Corporation | 106 | 7.563% | $240,000 | 1.5% |
| Equity Prime Mortgage LLC | 104 | 6.625% | $280,000 | 18.6% |
| JSC Federal Credit Union | 104 | 6.250% | $230,000 | 20.9% |
| PARKSTONE MORTGAGE, LLC | 101 | 6.500% | $385,000 | 0.0% |
| SFMC, LP | 100 | 6.625% | $295,000 | 10.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 99 | 6.250% | $295,000 | 15.5% |
| Truist Bank | 97 | 6.375% | $445,000 | 13.9% |
| REPUBLIC STATE MORTGAGE CO. | 94 | 6.375% | $345,000 | 2.1% |
| NexBank | 94 | 6.500% | $320,000 | 10.2% |
| USAA Federal Savings Bank | 93 | 6.250% | $345,000 | 36.4% |
| Stellar Bank | 92 | 6.985% | $370,000 | 16.3% |
| SWBC MORTGAGE CORPORATION | 91 | 6.625% | $275,000 | 4.2% |
| 254900YZ174H294JW398 | 90 | 6.125% | $350,000 | 3.5% |
| Plains Commerce Bank | 86 | 6.625% | $280,000 | 14.0% |
| Morgan Stanley Private Bank, National Association | 86 | 5.888% | $945,000 | 2.1% |
| DAS Acquisition Company, LLC | 86 | 6.500% | $265,000 | 1.1% |
| NextMortgage, LLC | 84 | 6.750% | $240,000 | 8.5% |
| HANCOCK WHITNEY BANK | 83 | 6.250% | $255,000 | 9.8% |
| East West Bank | 82 | 6.000% | $225,000 | 6.7% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | 82 | 6.625% | $280,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 81 | 6.375% | $285,000 | 7.9% |
| BOKF, National Association | 81 | 6.125% | $295,000 | 8.9% |
| RESICENTRAL, LLC | 81 | 6.490% | $275,000 | 4.6% |
| International Bank of Commerce | 79 | 6.250% | $215,000 | 20.2% |
| Commerce Home Mortgage, Inc. | 79 | 7.250% | $255,000 | 14.9% |
| NATIONSTAR MORTGAGE LLC | 78 | 6.625% | $310,000 | 5.9% |
| AMERICAN FINANCIAL RESOURCES, INC. | 76 | 6.375% | $265,000 | 2.6% |
| TRIAD FINANCIAL SERVICES, INC. | 75 | 9.660% | $95,000 | 58.1% |
| Tomo Mortgage, LLC | 75 | 6.250% | $315,000 | 12.5% |
| ENVOY MORTGAGE, LTD | 75 | 6.500% | $275,000 | 3.9% |
| BETTER MORTGAGE CORPORATION | 71 | 6.250% | $445,000 | 26.0% |
| CORNERSTONE MORTGAGE PROVIDERS, LLC | 71 | 6.490% | $475,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 71 | 6.625% | $285,000 | 0.0% |
| RIGHT START MORTGAGE, INC. | 69 | 6.875% | $295,000 | 15.7% |
| NEXERA HOLDING LLC | 67 | 7.375% | $375,000 | 9.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 67 | 6.500% | $315,000 | 2.6% |
| 212 LOANS, LLC. | 66 | 11.990% | $195,000 | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 64 | 6.875% | $300,000 | 4.4% |
| ENCOMPASS LENDING GROUP, LP | 64 | 6.750% | $340,000 | 4.5% |
| SHELL FEDERAL CREDIT UNION | 63 | 6.500% | $215,000 | 4.3% |
| GENWAY HOME MORTGAGE, INC. | 62 | 7.375% | $230,000 | 31.9% |
| HOMEXPRESS MORTGAGE CORP. | 60 | 7.375% | $270,000 | 44.4% |
| LoanUnited.com, LLC | 60 | 6.125% | $295,000 | 7.6% |
| T2 FINANCIAL LLC | 60 | 6.688% | $300,000 | 7.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 59 | 6.375% | $375,000 | 10.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 55 | 6.375% | $325,000 | 5.1% |
| Luminate Bank | 54 | 6.750% | $265,000 | 5.3% |
| Integrity Home Mortgage Corporation | 54 | 6.750% | $290,000 | 9.2% |
| First United Bank and Trust Company | 54 | 6.750% | $355,000 | 6.9% |
| PILGRIM MORTGAGE LLC | 54 | 6.625% | $280,000 | 5.3% |
| NBKC BANK | 53 | 6.125% | $315,000 | 10.2% |
| MidFirst Bank | 53 | 6.000% | $355,000 | 8.6% |
| TEXAS BAY | 51 | 5.875% | $295,000 | 3.6% |
| GUIDANCE RESIDENTIAL, LLC | 50 | 6.625% | $300,000 | 2.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 48 | 7.249% | $260,000 | 11.1% |
| LOANPEOPLE, LLC | 48 | 6.750% | $305,000 | 11.1% |
| NATIONS DIRECT MORTGAGE, LLC | 48 | 6.433% | $350,000 | 7.7% |
| Filo Mortgage, L.L.C. | 47 | 6.250% | $295,000 | 5.7% |
| DEEPHAVEN MORTGAGE LLC | 47 | 6.990% | $235,000 | 33.8% |
| NEW WAVE LENDING GROUP INC | 47 | 7.125% | $265,000 | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 47 | 5.990% | $435,000 | 2.0% |
| FlexPoint, Inc. | 46 | 7.250% | $235,000 | 3.4% |
| First National Bank of America | 46 | 8.995% | $195,000 | 9.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 46 | 9.750% | $245,000 | 0.0% |
| LENDLO MORTGAGE, LLC | 45 | 6.125% | $225,000 | 2.2% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 45 | 6.625% | $315,000 | 6.3% |
| Charles Schwab Bank, SSB | 45 | 5.550% | $945,000 | 0.0% |
| STONE MEADOW LENDING, LLC | 44 | 5.750% | $310,000 | 2.2% |
| LENDSURE MORTGAGE CORP. | 43 | 7.375% | $255,000 | 2.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 42 | 6.625% | $285,000 | 24.1% |
| FocusOne Mortgage, LLC | 42 | 6.375% | $215,000 | 17.0% |
| FIRST SERVICE Credit Union | 42 | 6.125% | $285,000 | 6.4% |
| Loan Funder LLC | 41 | 10.750% | $245,000 | 46.8% |
| JMAC LENDING, INC. | 41 | 6.375% | $295,000 | 14.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 41 | 6.500% | $265,000 | 2.4% |
| General Mortgage Capital Corporation | 41 | 6.750% | $245,000 | 2.4% |
| SouthState Bank, National Association | 41 | 7.250% | $675,000 | 4.6% |
| BAY EQUITY LLC | 40 | 6.688% | $250,000 | 4.8% |
| EMET LENDING GROUP, INC. | 40 | 6.875% | $285,000 | 0.0% |
| GEO-CORP, INC. | 39 | 6.750% | $285,000 | 7.1% |
| SENTE MORTGAGE, INC. | 39 | 6.875% | $355,000 | 0.0% |
| 2549004YKXDDHUWUOH37 | 39 | 4.990% | $365,000 | 0.0% |
| LOWER, LLC | 38 | 6.500% | $280,000 | 20.8% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 38 | 6.750% | $260,000 | 9.5% |
| PLANET HOME LENDING, LLC | 38 | 6.250% | $265,000 | 9.5% |
| HIGHLAND HOMELOANS, LLC | 38 | 5.740% | $455,000 | 4.7% |
| PANORAMA MORTGAGE GROUP, LLC | 37 | 6.625% | $195,000 | 0.0% |
| AMOCO | 37 | 6.125% | $305,000 | 8.2% |
| OriginPoint, LLC | 36 | 6.813% | $420,000 | 7.7% |
| UNIVERSITY Federal Credit Union | 36 | 6.563% | $415,000 | 5.3% |
| CHURCHILL MORTGAGE CORPORATION | 35 | 6.625% | $265,000 | 2.3% |
| Sunflower Bank, National Association | 35 | 6.625% | $305,000 | 0.0% |
| ALLIANT CREDIT UNION | 35 | 6.250% | $395,000 | 2.8% |
| NMSI, INC. | 35 | 6.625% | $305,000 | 0.0% |
| COMMUNITY RESOURCE CREDIT UNION | 34 | 6.438% | $245,000 | 50.0% |
| Constant Investments, Inc. | 34 | 6.500% | $205,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 33 | 6.120% | $395,000 | 19.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 33 | 6.750% | $305,000 | 12.8% |
| GENEVA FINANCIAL, LLC | 33 | 6.750% | $255,000 | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 33 | 6.500% | $305,000 | 2.9% |
| 254900K39SBWA2QOUF69 | 33 | 6.490% | $345,000 | 0.0% |
| CERTIFIED FUNDING, L.P. | 32 | 7.500% | $155,000 | 40.7% |
| UIF CORPORATION | 32 | 6.813% | $275,000 | 5.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 32 | 6.250% | $235,000 | 26.7% |
| DIRECTIONS EQUITY, LLC | 31 | 6.188% | $295,000 | 8.1% |
| DIRECT MORTGAGE, CORP. | 31 | 6.625% | $415,000 | 27.9% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 31 | 6.625% | $275,000 | 3.1% |
| City Bank | 31 | 7.750% | $185,000 | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 30 | 6.875% | $315,000 | 2.9% |
| SCHLUMBERGER EMPLOYEES CREDIT UNION | 29 | 6.250% | $405,000 | 0.0% |
| JNC MORTGAGE COMPANY, INC. | 29 | 5.250% | $315,000 | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 592 lenders each made 29 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.