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150 Texas Mortgage Refinance Lenders Recommendations

Author: Data Team

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The Lenders Community Survey gathers homeowners feedback and 150+ lender recommendations for home refinance mortgage in Texas. Shopping for a home refinance mortgage can be complicated and we gathered data to help this process for Texas homeowners.

 

Updated: March 17, 2025

 
 

<< Human Powered Recommendations >>

 

Texas Top Lenders for Home Refinance Mortgage

 

Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Online lenders.

 
 

Recommendations are gathered from 921 Texans members who shopped and requested a home refinance loan in the past 12 months:

 
  • – Loan Application (0 to 5): How easy it is to apply for the home improvement loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
  • – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees? 
  • – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home improvement loan?
  • – Recommendation (yes/no): Do you recommend this lender after going through the process?
 
 
 

More Loan Information for Texas Homeowners:

Texas Home Refinance Mortgage 

Home Refinance Loan Calculator

Texas Home Equity Loan & HELOC 

Home Equity Loan Calculator

Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.

More Resources for Texas Homeowners.

 
 
 

Houston – Home Refinance Lenders

 

Texas Bay Credit Union and RBFCU are the most recommended for home refinance lenders in Houston area.

 

PrimeLending, Frost Bank, New American Funding and Prosperity Bank  are other refinance lenders with a strong presence in Houston and offer many mortgage refinance options.

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Bank of America Bank 4.3 4.1 4.0 82%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
First Community Credit Union Credit Union 4.5 4.4 4.3 87%
Allegiance Credit Union Credit Union 4.4 4.3 4.2 86%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
Texas Bay Credit Union Credit Union 4.7 4.6 4.5 91%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
Happy State Bank Community Bank 4.4 4.3 4.2 87%
Southside Bank Community Bank 4.3 4.2 4.1 86%
 
 
 

San Antonio – Mortgage Refinance Lenders

 

RBFCU, USAA, Randolph-Brooks FCU and Security Service FCU are the most recommended for mortgage refinance lenders in San Antonio’s area. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Security Service FCU Credit Union 4.6 4.5 4.4 89%
Firstmark Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
Broadway Bank Community Bank 4.4 4.3 4.2 87%
USAA Bank 4.7 4.6 4.5 91%
Randolph-Brooks FCU Credit Union 4.7 4.6 4.5 90%
Bank of San Antonio Community Bank 4.4 4.3 4.2 86%
First National Bank Texas Bank 4.3 4.2 4.1 84%
Generations FCU Credit Union 4.5 4.4 4.3 87%
Jefferson Bank Community Bank 4.4 4.3 4.2 86%
Navy Army Community Credit Union Credit Union 4.6 4.5 4.4 89%
 
 
 

Dallas – Mortgage Refinance Lenders

 

RBFCU, PrimeLending, Allegiance Credit Union and Frost Bank are the most recommended lenders in Dallas for home refinance mortgage.

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Bank of America Bank 4.3 4.1 4.0 82%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Texas Trust Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
Comerica Bank Bank 4.4 4.3 4.2 86%
First United Bank Community Bank 4.4 4.3 4.2 87%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
Allegiance Credit Union Credit Union 4.6 4.5 4.4 89%
Southside Bank Community Bank 4.4 4.3 4.2 86%
 
 
 

Austin – Home Refinance Lenders

 

RBFCU, Randolph-Brooks FCU, Austin Telco Credit Union and Amplify Credit Union the most recommended home refinance lenders in Austin. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Austin Telco Credit Union Credit Union 4.6 4.5 4.4 89%
University Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
Amplify Credit Union Credit Union 4.6 4.5 4.4 89%
First United Bank Community Bank 4.4 4.3 4.2 87%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
Randolph-Brooks FCU Credit Union 4.7 4.6 4.5 90%
Southside Bank Community Bank 4.4 4.3 4.2 86%
 
 
 

Fort Worth – Home Mortgage Refinance Lenders

 

RBFCU, PrimeLending, Texas Trust Credit Union and Frost Bank are the most recommended mortgage refinance lenders in Fort Worth area.  

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Fort Worth Community Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First Financial Bank Community Bank 4.4 4.3 4.2 86%
Comerica Bank Bank 4.4 4.3 4.2 86%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
Texas Trust Credit Union Credit Union 4.6 4.5 4.4 89%
Southside Bank Community Bank 4.4 4.3 4.2 86%
Allegiance Credit Union Credit Union 4.5 4.4 4.3 87%
 
 

El Paso – Mortgage Refinance Lenders

 

GECU (Greater El Paso Credit Union), FirstLight Federal Credit Union, PrimeLending and First Service Credit Union are the most recommended mortgage refinance lenders in El Paso. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Bank of America Bank 4.3 4.1 4.0 82%
FirstLight Federal Credit Union Credit Union 4.6 4.5 4.4 89%
GECU Credit Union 4.7 4.6 4.5 90%
WestStar Bank Community Bank 4.5 4.4 4.3 88%
Rio Grande Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First National Bank Texas Bank 4.4 4.3 4.2 86%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
First Service Credit Union Credit Union 4.6 4.5 4.4 89%
Southside Bank Community Bank 4.4 4.3 4.2 86%
 
 
 

Arlington –  Mortgage Refinance Lenders

 

RBFCU, PrimeLending, Allegiance Credit Union and Frost Bank are the most recommended lenders in Arlington for home refinance mortgage. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Bank of America Bank 4.3 4.1 4.0 82%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Texas Trust Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First Financial Bank Community Bank 4.4 4.3 4.2 86%
PrimeLending Bank 4.6 4.5 4.4 89%
New American Funding Bank 4.5 4.4 4.3 88%
Guild Mortgage Bank 4.4 4.3 4.2 87%
Movement Mortgage Bank 4.3 4.2 4.1 85%
Allegiance Credit Union Credit Union 4.6 4.5 4.4 89%
Southside Bank Community Bank 4.4 4.3 4.2 86%
First United Bank Community Bank 4.4 4.3 4.2 87%
 
 
 

Corpus Christi – Mortgage Refinance Lenders

 

RBFCU, Navy Army Community Credit Union, Frost Bank and Prosperity Bank are the most recommended lenders in Corpus Christi for mortgage refinance. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Corpus Christi Federal Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First Community Bank Community Bank 4.4 4.3 4.2 86%
American Bank Community Bank 4.4 4.3 4.2 86%
First National Bank Texas Bank 4.3 4.2 4.1 84%
Texas Gulf Bank Community Bank 4.4 4.3 4.2 86%
Navy Army Community Credit Union Credit Union 4.6 4.5 4.4 89%
First Convenience Bank Bank 4.3 4.2 4.1 84%
Southside Bank Community Bank 4.4 4.3 4.2 86%
Allegiance Credit Union Credit Union 4.5 4.4 4.3 87%
Generations Federal Credit Union Credit Union 4.5 4.4 4.3 87%
 
 
 

Plano – Home Refinance Lenders

 

RBFCU, PrimeLending, Allegiance Credit Union and Frost Bank are the most recommended lenders in Plano for home refinance mortgage. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Bank of America Bank 4.3 4.1 4.0 82%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Texas Trust Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First United Bank Community Bank 4.4 4.3 4.2 87%
Comerica Bank Bank 4.4 4.3 4.2 86%
PrimeLending Mortgage Lender 4.6 4.5 4.4 89%
New American Funding Mortgage Lender 4.5 4.4 4.3 88%
Guild Mortgage Mortgage Lender 4.4 4.3 4.2 87%
Movement Mortgage Mortgage Lender 4.3 4.2 4.1 85%
Allegiance Credit Union Credit Union 4.6 4.5 4.4 89%
Southside Bank Community Bank 4.4 4.3 4.2 86%
 
 
 

Laredo – Mortgage Refinance Lender

 

RBFCU,  Frost Bank, Prosperity Bank and Laredo Federal Credit Union are the most recommended lenders for home rmortgage refinance in the Laredo area. 

 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support and Guidance Recommend
Chase Bank Bank 4.5 4.3 4.2 85%
Wells Fargo Bank 4.4 4.2 4.1 83%
Frost Bank Bank 4.6 4.5 4.4 88%
RBFCU Credit Union 4.7 4.6 4.5 90%
Laredo Federal Credit Union Credit Union 4.5 4.4 4.3 87%
Prosperity Bank Community Bank 4.5 4.4 4.3 88%
First National Bank Texas Bank 4.4 4.3 4.2 86%
International Bank of Commerce Community Bank 4.4 4.3 4.2 86%
Southside Bank Community Bank 4.4 4.3 4.2 86%
Generations Federal Credit Union Credit Union 4.5 4.4 4.3 87%
Texas Community Bank Community Bank 4.4 4.3 4.2 86%
Allegiance Credit Union Credit Union 4.5 4.4 4.3 87%
First United Bank Community Bank 4.4 4.3 4.2 87%
Bank of the West Bank 4.3 4.2 4.1 84%
First Community Bank Community Bank 4.4 4.3 4.2 86%
 
 
 

Online Lenders – Home Improvement Loans in Florida

 

The Community Survey most recommended online lenders for home refinance loans in Texas are Rocket Mortgage/Quicken Loans and SoFi.

 
Lenders Loan Amounts APR Range Loan Terms Easy Application Rate Satisfaction Support and Guidance Recommend (%)
Rocket Mortgage Up to $3M 2.99% – 6.99% 15-30 years 4.8 4.7 4.6 95%
SoFi Up to $5M 3.00% – 7.00% 10-30 years 4.7 4.6 4.5 93%
Better.com Up to $4M 2.95% – 6.99% 15-30 years 4.6 4.5 4.4 92%
LoanDepot Up to $3M 3.00% – 7.25% 15-30 years 4.5 4.4 4.3 90%
Guaranteed Rate Up to $3M 3.10% – 7.00% 15-30 years 4.4 4.3 4.2 89%
Quicken Loans Up to $3M 3.00% – 7.00% 15-30 years 4.7 4.6 4.5 94%
LendingTree Up to $5M 2.99% – 7.50% 10-30 years 4.3 4.2 4.1 88%
Zillow Home Loans Up to $3M 3.00% – 7.00% 15-30 years 4.5 4.4 4.3 90%
PennyMac Up to $3M 3.00% – 7.25% 15-30 years 4.4 4.3 4.2 89%
New American Funding Up to $3M 3.00% – 7.00% 15-30 years 4.6 4.5 4.4 91%
 
 

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