Refinancing lenders in Harris County
6,590 refinancing mortgages were made in Harris County, Texas, in 2025, by 538 lenders. The median rate their borrowers got was 6.250% on a median loan of $285,000. Of 10,951 decisions, 3,465 were denials — 31.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,227 | 5.999% | $345,000 | 18.8% |
| Rocket Mortgage, LLC | 685 | 5.990% | $255,000 | 32.5% |
| FREEDOM MORTGAGE CORPORATION | 261 | 6.250% | $345,000 | 9.1% |
| PENNYMAC LOAN SERVICES, LLC | 187 | 5.990% | $325,000 | 21.0% |
| JPMorgan Chase Bank, National Association | 177 | 6.125% | $345,000 | 13.6% |
| Bank of America, National Association | 111 | 5.990% | $205,000 | 48.2% |
| Zions Bancorporation, N.A. | 110 | 6.890% | $205,000 | 31.5% |
| ROYAL UNITED MORTGAGE LLC | 103 | 7.000% | $135,000 | 37.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 102 | 6.313% | $305,000 | 15.3% |
| NEWREZ LLC | 90 | 5.990% | $325,000 | 54.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 90 | 5.990% | $325,000 | 10.6% |
| PNC Bank, National Association | 89 | 7.490% | $205,000 | 41.0% |
| Frost Bank | 78 | 6.820% | $205,000 | 41.2% |
| PLANET HOME LENDING, LLC | 74 | 5.750% | $305,000 | 22.2% |
| LAKEVIEW LOAN SERVICING, LLC | 72 | 6.250% | $315,000 | 66.1% |
| NATIONSTAR MORTGAGE LLC | 71 | 6.125% | $295,000 | 27.0% |
| Comerica Bank | 68 | 6.183% | $145,000 | 49.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 65 | 6.125% | $345,000 | 10.3% |
| CMG MORTGAGE, INC. | 54 | 6.375% | $325,000 | 10.1% |
| CHAMPIONS FUNDING, LLC | 54 | 7.375% | $250,000 | 46.0% |
| Emporium TPO LLC | 53 | 7.250% | $195,000 | 6.6% |
| Loandepot.Com, LLC | 51 | 5.875% | $315,000 | 33.8% |
| Paramount Residential Mortgage Group, Inc. | 49 | 6.500% | $325,000 | 2.0% |
| Mortgage Research Center, LLC | 45 | 5.875% | $355,000 | 74.9% |
| Regions Bank | 44 | 5.478% | $155,000 | 51.5% |
| Cadence Bank | 43 | 6.500% | $615,000 | 32.4% |
| Kiavi Funding, Inc. | 40 | 7.250% | $185,000 | 23.2% |
| PHH Mortgage Corporation | 38 | 5.933% | $295,000 | 27.8% |
| JSC Federal Credit Union | 37 | 6.900% | $105,000 | 18.4% |
| GUARANTEED RATE, INC. | 36 | 6.250% | $375,000 | 12.2% |
| FINANCE OF AMERICA REVERSE LLC | 36 | 6.063% | $175,000 | 20.8% |
| PRIMEWAY FEDERAL CREDIT UNION | 36 | 7.875% | $120,000 | 26.4% |
| OCMBC, INC. | 35 | 6.999% | $245,000 | 8.1% |
| KIND LENDING, LLC | 35 | 6.625% | $305,000 | 45.7% |
| Fairway Independent Mortgage Corporation | 35 | 6.125% | $355,000 | 7.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 35 | 6.000% | $135,000 | 28.0% |
| Broker Solutions, Inc. | 34 | 6.625% | $245,000 | 40.4% |
| GUILD MORTGAGE COMPANY | 34 | 6.125% | $360,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 33 | 5.990% | $365,000 | 7.9% |
| Hometown Equity Mortgage, LLC | 31 | 7.250% | $235,000 | 61.9% |
| AML FUNDING LLC | 31 | 6.625% | $205,000 | 25.0% |
| NETWORK FUNDING, L.P. | 30 | 6.063% | $395,000 | 29.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 30 | 5.562% | $340,000 | 12.5% |
| THE LOAN STORE, INC. | 29 | 6.990% | $265,000 | 26.0% |
| Navy Federal Credit Union | 27 | 5.750% | $325,000 | 62.5% |
| Commerce Home Mortgage, Inc. | 26 | 8.125% | $310,000 | 13.3% |
| Wells Fargo Bank, National Association | 24 | 5.750% | $295,000 | 54.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 6.250% | $280,000 | 11.8% |
| VISTA POINT MORTGAGE, LLC | 24 | 7.500% | $305,000 | 26.5% |
| PENTAGON FEDERAL CREDIT UNION | 23 | 7.625% | $185,000 | 37.8% |
| 254900CTT87ZKAUTIJ37 | 23 | 7.625% | $175,000 | 4.0% |
| Truist Bank | 22 | 5.975% | $270,000 | 45.8% |
| A&D Mortgage LLC | 22 | 6.490% | $310,000 | 25.8% |
| BPL MORTGAGE TRUST, LLC | 22 | 7.063% | $310,000 | 10.0% |
| BOKF, National Association | 22 | 7.188% | $230,000 | 33.3% |
| SHELL FEDERAL CREDIT UNION | 21 | 6.375% | $135,000 | 78.2% |
| Prosperity Bank | 21 | 7.000% | $245,000 | 60.0% |
| SOUTH RIVER MORTGAGE, LLC | 21 | 8.990% | $95,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 21 | 6.000% | $125,000 | 13.8% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.000% | $345,000 | 22.2% |
| First Horizon Bank | 20 | 6.375% | $515,000 | 39.4% |
| FIRST COMMUNITY CREDIT UNION | 20 | 5.875% | $280,000 | 25.9% |
| NFM, INC. | 20 | 6.875% | $185,000 | 4.8% |
| Discover Bank | 19 | 7.250% | $135,000 | 81.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 19 | 9.500% | $195,000 | 5.0% |
| DUGOOD FEDERAL CREDIT UNION | 19 | Not published | $175,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 18 | 7.375% | $205,000 | 18.4% |
| PLAZA HOME MORTGAGE, INC. | 18 | 5.990% | $250,000 | 55.0% |
| U.S. Bank National Association | 17 | 5.990% | $615,000 | 14.3% |
| NBKC BANK | 17 | 5.875% | $385,000 | 19.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 6.850% | $195,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.000% | $245,000 | 66.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 16 | 6.813% | $260,000 | 48.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 16 | 6.000% | $320,000 | 5.3% |
| NexBank | 16 | 6.563% | $235,000 | 19.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 6.125% | $385,000 | 16.7% |
| Citadel Servicing Corporation | 15 | 8.125% | $225,000 | 0.0% |
| Lendage, LLC | 15 | 11.500% | $115,000 | 26.1% |
| CORNERSTONE CAPITAL BANK, SSB | 15 | 6.125% | $535,000 | 6.3% |
| Loan Funder LLC | 14 | 7.190% | $225,000 | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 14 | 7.625% | $250,000 | 59.5% |
| TEXAS BAY | 14 | 5.995% | $145,000 | 53.3% |
| Trustmark National Bank | 14 | 6.975% | $165,000 | 23.8% |
| BETTER MORTGAGE CORPORATION | 13 | 5.875% | $365,000 | 46.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.875% | $415,000 | 20.0% |
| Flagstar Bank, N.A. | 13 | 6.125% | $285,000 | 30.0% |
| LEGEND LENDING CORPORATION | 13 | 6.000% | $285,000 | 0.0% |
| Nations Lending Corporation | 13 | 6.125% | $355,000 | 6.7% |
| DEEPHAVEN MORTGAGE LLC | 12 | 7.000% | $200,000 | 45.5% |
| RESICENTRAL, LLC | 12 | 5.875% | $275,000 | 14.3% |
| SENTE MORTGAGE, INC. | 12 | 5.808% | $365,000 | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 12 | 5.350% | $7,905,000 | 14.3% |
| EVERETT FINANCIAL, INC. | 11 | 6.125% | $325,000 | 14.3% |
| NEXERA HOLDING LLC | 11 | 7.750% | $285,000 | 14.3% |
| LIMA ONE CAPITAL, LLC | 11 | 10.450% | $235,000 | 35.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 5.624% | $355,000 | 8.3% |
| GUIDANCE RESIDENTIAL, LLC | 11 | 6.625% | $345,000 | 0.0% |
| Filo Mortgage, L.L.C. | 11 | 6.875% | $305,000 | 8.3% |
| LENDINGONE, LLC | 10 | 6.735% | $215,000 | 44.4% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.058% | $325,000 | 0.0% |
| MidFirst Bank | 10 | 5.813% | $600,000 | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | 7.063% | $205,000 | 0.0% |
| WALKER & DUNLOP, LLC | 10 | 5.185% | $5,615,000 | 28.6% |
| East West Bank | 10 | 6.188% | $145,000 | 16.7% |
| Charles Schwab Bank, SSB | 10 | 5.663% | $930,000 | 0.0% |
| CAPITAL CONCEPTS, INC. | 10 | 6.933% | $190,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| T2 FINANCIAL LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LADERA LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| INTELLILOAN, INC. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 21.1% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Stellar Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| SMART FINANCIAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| ASSOCIATED CREDIT UNION OF TEXAS | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Capital Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| b1BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Citibank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGE FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CLEARPATH LENDING | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CALCON MUTUAL MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Origin Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| First National Bank of America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SECURITYNATIONAL MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 62.5% |
| COMMUNITY RESOURCE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 76.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Wolfe Financial, Inc | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cornerstone First Mortgage, Inc | 6 | Under 10 loans | Under 10 loans | 33.3% |
| First Financial Bank | 6 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST COLONY MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 27.3% |
| LOANPEOPLE, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIVEPOINT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SIERRA LENDING GROUP, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CONTINENTAL MORTGAGE, LTD. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 55.6% |
| SWBC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 22.2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 50.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHEVRON Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOWNE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LUMENT REAL ESTATE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Southwestern National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Texas Gulf Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Veritex Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Amplify | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| NextMortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GREATER TEXAS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUMMIT FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 549300N7MKAZNGCKT625 | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CHARTWAY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ENCOMPASS LENDING GROUP, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RIGHT START MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SFMC, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Susser Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Moody National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 338 lenders each made 4 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.