Best FHA Lenders in Texas 2026: Top 7 Ranked & Reviewed
Sarah Mitchell
Texas Mortgage Specialist | 12+ Years Experience
January 22, 2026
Looking for the best FHA lenders in Texas? Texas has 2,847 FHA-approved lenders, but only 7 consistently deliver the best rates, fastest approvals, and lowest fees.
6.125%
Average FHA Rate
$303,000
Median Home Price
23.4%
FHA Market Share
21 days
Avg Approval
🏆 Top 7 FHA Lenders in Texas (2026 Rankings)
Rocket Mortgage - Best Overall FHA Lender Texas
12,847 loans funded
Why #1:
- 🚀 Fastest online application (8 minutes)
- 💰 Competitive rates: 6.05%-6.25% APR
- ⚡ Close in 21 days average
- 📱 Best mobile app for Texas borrowers
- 🏆 #1 FHA lender in Houston metro
Best For:
Tech-savvy Texas buyers who want speed + convenience
Better.com - Lowest FHA Rates Texas
8,234 loans funded
Why #2:
- 💰 Lowest rates: 5.95%-6.15% APR
- 🎯 $0 origination fees
- 💻 100% online process
- 📊 Transparent pricing
Best For:
Rate-sensitive Texas buyers with straightforward finances
📊 FHA Loan Limits Texas 2026 by County
| County | Major City | 2026 FHA Limit |
|---|---|---|
| Harris | Houston | $498,257 |
| Dallas | Dallas | $498,257 |
| Travis | Austin | $644,000 ⭐ |
| Bexar | San Antonio | $498,257 |
✅ Texas FHA Loan Requirements 2026
Minimum Credit Score
Down Payment: 3.5% Minimum
❓ FAQ: FHA Lenders Texas 2026
What credit score do I need for FHA in Texas?
Minimum: 580 for 3.5% down. Most Texas FHA lenders prefer 620+ for best rates.
Texas Average: 652 credit score (2025 data)
How much down payment for FHA loan Texas?
Minimum: 3.5% of purchase price.
Sources: Personal savings, gift funds, down payment assistance (47 Texas programs), 401(k) loan, seller concessions (up to 6%)
What are FHA loan limits in Texas 2026?
Standard: $498,257 (most Texas counties)
High-Cost: $644,000 (Austin area: Travis, Williamson, Hays counties)