Texas borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Texas look different than in neighboring states. We route Texas applications only to lenders and brokers licensed by the Texas Office of Consumer Credit Commissioner, so the offers you see are ones you can actually take.
How lending in Texas is different
Texas's median household income is $73,035 — in line with the national household-income median — and the typical home price of $330,000 sits below the $350,000 national midpoint. On our platform, the average funded loan in Texas runs about $19,800, with mortgage loans as the most requested product across Houston, San Antonio, and the rest of the state.
Default 6%; contracted 10%; licensed consumer lenders use tiered Texas Finance Code rates. The Texas Office of Consumer Credit Commissioner (OCCC) supervises consumer lenders operating in Texas, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Texas offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Houston or San Antonio, ask about local down-payment assistance — Texas programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Texas at a glance
Local market data we use to calibrate matches for borrowers in Texas.
What a real Texas offer looks like
Illustrative math using Texas's median home price, our average funded loan size in TX, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Houston at $330,000
A 20% down, 30-year fixed at ~6.75% APR on the Texas median home price puts principal & interest around $1,712/mo. Local TX down-payment assistance can stack on top.
See Texas mortgage offersTypical $19,800 funded loan in TX
Our average funded personal loan for a Texas borrower runs about $19,800 over 4 years. At 11.9% APR that's roughly $520/mo — with rate ceilings enforced by the OCCC.
Check my Texas rateConsolidating ~$21,911 of high-rate debt
Rolling roughly 30% of the Texas median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $460/mo — a common TX refinance path.
Match a Texas lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Texas are supervised by the Texas Office of Consumer Credit Commissioner.
Every loan type available in Texas
Our marketplace covers every major loan product for Texas residents. Each match is from a lender licensed by the OCCC to operate in TX.
See your real Texas offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the OCCC — with APR, monthly payment, and fees shown upfront.
- Texas-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to TX market
Lending rules in Texas
Texas consumer lenders are supervised by the Texas Office of Consumer Credit Commissioner. Every match we send you comes with the lender's active TX license number.
Default 6%; contracted 10%; licensed consumer lenders use tiered Texas Finance Code rates.
- Pre-qualification uses a soft credit pull — your TX credit file is not affected.
- We never sell Texas borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Texas DTI norms and the local $330,000 home-price market.
Informational only — not legal or financial advice. TX rate caps and regulations change; confirm details with the Texas Office of Consumer Credit Commissioner.
Top Texas cities we serve
Don't see your city? We serve every ZIP code in Texas.
Questions Texas borrowers ask
+What loan types are available in Texas?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Texas residents. Every match is routed to a lender licensed by the Texas Office of Consumer Credit Commissioner.
+Are the lenders on this site licensed in Texas?
Yes. We only forward your request to partners that hold an active TX license with the Texas Office of Consumer Credit Commissioner (OCCC). Their NMLS or state license number appears with every offer.
+What are the Texas interest-rate rules I should know about?
Default 6%; contracted 10%; licensed consumer lenders use tiered Texas Finance Code rates. This affects what a lender can legally charge you in TX on non-bank consumer loans.
+Does checking rates affect my credit score in Texas?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Texas lender you choose to move forward with will run a hard pull.
+How much do borrowers in Texas typically request?
The average funded consumer loan on our platform in Texas is about $19,800. Popular products in TX are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$330,000 median home price.
+Do you serve borrowers outside of Houston?
Yes — every ZIP code in Texas is covered. Whether you're in Houston or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Texas rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in TX — never a mystery list.
- Match to a Texas-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees