Mortgage Lenders and Brokers in South Houston, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
South Houston, Texas mortgage lenders include PNC Bank N.A.PNC Bank N.A.1218 Spencer Hwy, South Houston, TX 77587A+5.0 ★Texas Ratio: 4.24%, Shell Federal Credit UnionShell Federal Credit Union7235 John Martin Road, Baytown, TX 77521A+5.0 ★Texas Ratio: 3.66%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, Jsc FCUJsc FCU877 E Highway 6, Alvin, TX 77511A+5.0 ★Texas Ratio: 5.77%, Regions BankRegions Bank1337 W Mcdermott Dr, Allen, TX 75013A+5.0 ★Texas Ratio: 4.37%, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union6360 Garth Rd Ste 140, Baytown, TX 77521 5105A+5.0 ★Texas Ratio: 3.85%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, First Service Credit UnionFirst Service Credit Union3923 5th St, Brookshire, TX 77423A+5.0 ★Texas Ratio: 4.24%, and Texas Bay Area Credit UnionTexas Bay Area Credit UnionHouston, TX. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in South Houston, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in South Houston are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in South Houston, Texas
Market share is the lender's share of all home loans closed in South Houston, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 1.7 stars, 3 reviews 1 office in South Houston 1218 Spencer Hwy, South Houston, TX 77587 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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7235 John Martin Road, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 7 | 14% | 46.7% | $130,714 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 4% | 100% | $75,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 2 | 4% | 100% | $135,000 | View |
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877 E Highway 6, Alvin, TX 77511 A+5.0 ★Texas Ratio: 5.77% |
Conventional | 1 | 2% | 50% | $205,000 | View |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 2% | 50% | $25,000 | View |
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6360 Garth Rd Ste 140, Baytown, TX 77521 5105 A+5.0 ★Texas Ratio: 3.85% |
Conventional | 1 | 2% | 100% | $55,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 2% | 100% | $75,000 | View |
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3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 2% | 33.3% | $95,000 | View |
Texas Bay Area Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
2% | 50% | $155,000 | |
Associated Credit Union of Tx
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Conventional | 1 | 2% | 100% | $95,000 | |
Network Funding, L.P.
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FHA | 1 | 2% | 100% | $235,000 | |
United Wholesale Mortgage
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Conventional, FHA | 5 | 10% | 83.3% | $271,000 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 6% | 100% | $181,666 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 6% | 100% | $171,666 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 4% | 100% | $220,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional, FHA | 2 | 4% | 100% | $210,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 4% | 100% | $210,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 1 | 2% | 100% | $175,000 | View |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 2% | 100% | $225,000 | |
Newrez LLC
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Conventional | 1 | 2% | 100% | $215,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 2% | 100% | $185,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 2% | 100% | $65,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 2% | 100% | $155,000 | |
loanDepot.com LLC
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Conventional | 1 | 2% | 100% | $225,000 | |
Cmg Mortgage Inc
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FHA | 1 | 2% | 100% | $205,000 | |
Discover Bank
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Conventional | 1 | 2% | 25% | $45,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 2% | 100% | $355,000 | View |
21St Mortgage
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Conventional | 1 | 2% | 100% | $55,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 2% | 100% | $445,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 2% | 75% | $85,000 | |
Cake Mortgage Corp.
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Conventional | 1 | 2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
South Houston Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in South Houston, Texas
Looking for mortgage lenders near me or mortgage brokers near me in South Houston? The list below shows the banks, credit unions and mortgage brokers that closed home loans in South Houston in 2025, with lenders based there listed first.
Types of Mortgage Lenders in South Houston, TX
Use these to narrow the list above. Each category shows how many South Houston, TX lenders fit and what that kind of lender is usually best for.
Who Lends in South Houston, TX
Independent mortgage companies closed 54 percent of home loans in South Houston, Texas in 2025, banks 18 percent and credit unions 28 percent. Network Funding, L.P. was the largest mortgage company, PNC Bank N.A. the largest bank and Shell Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Shell Federal Credit Union led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in South Houston, TX
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in South Houston, Texas with 0 loans, about 0 percent of the market. The largest lender headquartered in Texas was Shell Federal Credit Union with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in South Houston, Texas in 2025, led by United Wholesale Mortgage with 4. 0 lenders closed VA loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 9 banks and 7 credit unions closed home loans in South Houston, Texas in 2025, alongside 18 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in South Houston, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in South Houston, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up South Houston. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
