Best mortgage lenders in Texas in 2026

The second-biggest bank in the country, Bank of America scores highly for availability and borrower experience. The institution offers a Home Grant program that provides up to $7,500 to cover closing costs, and a down payment program that offers 3% of the home’s purchase price or $10,000, whichever is less. Bank of America also earned a second-place ranking in J.D. Power’s 2025 Mortgage Origination Satisfaction study, scoring well for customer communication, reliability and accountability.

• Availability: All U.S. states
• Loans offered: Conventional, jumbo, FHA, VA, refinancing and more
• Credit requirements: Generally, 620 for conventional loans
• Down payment minimum: 3% for the lender’s Affordable Loan Solution mortgages, 3.5% for FHA loans, none for VA loans
• Where to find: Branch locations and online