These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Texas. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Texas, Largest Multifamily Books First
25 of 166 qualifying banks are headquartered in Texas. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in TX | Contact |
|---|---|---|---|---|---|
| 1 | Sunflower Bank | $2.61bn | 63.3% | 23 | Contact available |
| 2 | Texas Capital Bank | $1.53bn | 38.1% | 10 | Contact available |
| 3 | NexBank | $992m | 67.1% | 2 | Contact available |
| 4 | IBC Bank | $807m | 18.3% | 80 | Contact available |
| 5 | Prosperity Bank | $680m | 8.8% | 388 | Contact available |
| 6 | Southside Bank | $642m | 21.6% | 58 | Contact available |
| 7 | PlainsCapital Bank | $364m | 11.2% | 57 | Contact available |
| 8 | American Momentum Bank | $312m | 33.1% | 20 | Contact available |
| 9 | Texas Bank & Trust | $292m | 17.8% | 22 | Contact available |
| 10 | WestStar Bank | $266m | 18.3% | 13 | Contact available |
| 11 | Frost Bank | $239m | 3.8% | 224 | Contact available |
| 12 | City Bank | $230m | 15.6% | 35 | Contact available |
| 13 | First National Bank Texas | $199m | 20.9% | 298 | Contact available |
| 14 | IBC Bank (Brownsville charter) | $157m | 17.5% | 41 | Contact available |
| 15 | American National Bank of Texas | $148m | 10.6% | 28 | Contact available |
| 16 | TBK Bank (Triumph) | $146m | 21.6% | 3 | Contact available |
| 17 | Pinnacle Bank (Texas) | $142m | 12.9% | 28 | Contact available |
| 18 | Texas Regional Bank | $127m | 14.9% | 39 | Contact available |
| 19 | Falcon International Bank | $120m | 12.8% | 19 | Contact available |
| 20 | Woodforest National Bank | $115m | 5.5% | 214 | Contact available |
| 21 | Titan Bank, N.A. | $111m | 62.5% | 2 | Contact available |
| 22 | Lone Star National Bank | $107m | 11.3% | 36 | Contact available |
| 23 | Moody Bank | $105m | 15.3% | 15 | Contact available |
| 24 | Citizens National Bank of Texas | $96m | 15.9% | 11 | Contact available |
| 25 | American Bank of Commerce | $96m | 14.5% | 11 | Contact available |
Apartment lending is one line of a bank’s CRE book. Which Texas banks added the most to their CRE books in the year to June 2026 — the five largest increases, and the banks excluded for growing by acquisition.
National Lenders With Branches in Texas
25 of 94 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in TX | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 491 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 458 | Contact available |
| 3 | PNC Real Estate | $14.98bn | 40.8% | 326 | Contact available |
| 4 | US Bank | $14.46bn | 34.7% | 3 | Contact available |
| 5 | Truist | $8.65bn | 26.0% | 96 | Contact available |
| 6 | Bank of America | $8.46bn | 15.3% | 313 | Contact available |
| 7 | Capital One, National Association | $6.94bn | 30.3% | 21 | Contact available |
| 8 | Huntington National Bank | $4.88bn | 19.9% | 152 | Contact available |
| 9 | Pinnacle Bank (Tennessee) | $4.86bn | 17.8% | 2 | Contact available |
| 10 | WaFd Bank | $4.65bn | 51.3% | 6 | Contact available |
| 11 | East West Bank | $4.61bn | 25.1% | 12 | Contact available |
| 12 | Fifth Third Bank | $4.14bn | 19.2% | 113 | Contact available |
| 13 | Regions Bank | $3.88bn | 35.6% | 85 | Contact available |
| 14 | First Horizon Bank | $3.72bn | 27.1% | 8 | Contact available |
| 15 | Amegy Bank | $3.56bn | 23.7% | 77 | Contact available |
| 16 | BMO Bank | $3.16bn | 15.3% | 1 | Contact available |
| 17 | First Citizens Bank | $2.97bn | 13.5% | 9 | Contact available |
| 18 | SouthState Bank | $2.72bn | 13.3% | 69 | Contact available |
| 19 | Customers Bank | $2.66bn | 58.3% | 1 | Contact available |
| 20 | Cathay Bank | $2.59bn | 32.6% | 2 | Contact available |
| 21 | Bank OZK | $2.55bn | 14.7% | 38 | Contact available |
| 22 | Associated Bank | $2.46bn | 27.3% | 1 | Contact available |
| 23 | Bank of Albuquerque | $2.05bn | 27.1% | 34 | Contact available |
| 24 | Trustmark National Bank | $1.93bn | 38.3% | 12 | Contact available |
| 25 | UMB Bank | $1.72bn | 16.1% | 21 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 260 banks qualified in Texas. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 247 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Texas. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Texas from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Texas from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.