Top 3 Mortgage Lenders in Houston

Affinity Plus Federal Credit Union stands out as one of Minnesota's most trusted mortgage lenders with deep roots in southeastern Minnesota. While based in St. Paul, their Rochester branch serves the Houston area with exceptional convenience. They consistently receive top marks for personalized service, competitive rates, and their commitment to member education. As a credit union, they operate as a not-for-profit organization, often resulting in lower fees and better terms for borrowers. Their mortgage specialists provide comprehensive guidance through the entire home buying process, making them particularly popular with first-time homebuyers and those seeking USDA rural development loans perfect for the Houston area.

Citizens State Bank of La Crosse has been serving the tri-state area including Houston, Minnesota for over a century. This community-focused bank excels in understanding the unique needs of rural and small-town borrowers in the Driftless Region. They offer highly competitive agricultural and land loans alongside traditional residential mortgages, making them ideal for Houston residents seeking property with acreage or farming opportunities. Their local decision-making process and personalized service have earned them outstanding customer satisfaction ratings. The bank's longevity and stability provide borrowers with confidence in their mortgage partnership.

Altra Federal Credit Union, while headquartered in Onalaska, Wisconsin, has established itself as a premier mortgage lender for the Houston, Minnesota area through their expansive service territory. They offer particularly strong USDA rural housing programs that benefit Houston residents, along with exceptional first-time homebuyer programs and competitive construction lending. Altra's mortgage team receives consistent praise for their responsiveness, transparency throughout the lending process, and ability to secure favorable terms for borrowers. Their digital mortgage application process combines modern convenience with local, personalized service that understands the specific dynamics of the Houston real estate market.