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%Start 10 Best Dallas-Fort Worth Mortgage Lenders of 2022 - NerdWallet Advertiser disclosure
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Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.
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10 Best Dallas-Fort Worth Mortgage Lenders of 2022
These are highly rated Dallas mortgage lenders in various lending categories. You can’t shop hundreds of lenders, but now you can certainly find three.NerdWallet Jan 6, 2022 Many or all of the products featured here are from our partners who compensate us.
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This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
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Our opinions are our own. Here is a list of our partners and here's how we make money.
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The over 9,000 square miles of the Dallas-Fort Worth metroplex — the second-largest land area of the top 20 most-populated cities in the U.S. — is home to hundreds of banks, credit unions, mortgage lenders and savings institutions. To get the best terms on a home loan, NerdWallet recommends you shop at least three.
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To get the Texas-sized financial marketplace of DFW a bit more manageable, we’ve herded the best mortgage lenders by category, then corralled the results by national and local lenders. The over 9,000 square miles of the Dallas-Fort Worth metroplex — the second-largest land area of the top 20 most-populated cities in the U.S. — is home to hundreds of banks, credit unions, mortgage lenders and savings institutions.
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To get the best terms on a home loan, NerdWallet recommends you shop at least three. To get the Texas-sized financial marketplace of DFW a bit more manageable, we’ve herded the best mortgage lenders by category, then corralled the results by national and local lenders.
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Best Dallas-Fort Worth Mortgage Lenders
LenderNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Min. credit score Minimum credit score on top loans; other loan types or factors may selectively influence minimum credit score standardsMin.
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down paymentLearn more
Rocket Mortgage LLC NMLS#3030Learn more
at Rocket Mortgage, LLC
4.0/5
Best for online convenience620
VA:580JUMBO:N/AFHA:580CONVENTIONAL:6203%Rocket Mortgage offers conventional mortgages with as little as 3% down.Learn more
at Rocket Mortgage, LLC
Fairway Independent Mortgage NMLS#2289Learn more
at Fairway Independent Mortgage
3.5/5
Best for customer service620
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:6403%Fairway Independent Mortgage offers conventional mortgages with flexible terms and mortgage insurance options on down payments less than 20%.Learn more
at Fairway Independent Mortgage
Bank of America NMLS#399802Read review
4.5/5
Best for traditional banks660
CONVENTIONAL:660FHA:600JUMBO:720VA:6205%Bank of America offers down payments as low as 3% through its Affordable Loan Solution mortgage program.Read review
loanDepot NMLS#174457Read review
4.0/5
Best for online convenience620
JUMBO:N/AVA:620FHA:580CONVENTIONAL:6205%LoanDepot offers conventional loans with as little as 5% down.Read review
PrimeLending NMLS#13649Read review
3.5/5
Best for customer service620
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:5803%PrimeLending offers conventional loans with down payments as low as 3%.Read review
Guild Mortgage NMLS#3274Read review
3.5/5
Best for first-time home buyers620
VA:N/AUSDA:N/AJUMBO:N/AFHA:N/ACONVENTIONAL:6203%Guild Mortgage offers conventional loans with as little as 3% down.Read review
Flagstar NMLS#417490Read review
5.0/5
Best for first-time home buyers620
USDA:660VA:660JUMBO:N/AFHA:640CONVENTIONAL:6203%Flagstar offers 3% down payments on conventional loans for first-time home buyers.Read review
Homebridge NMLS#6521Read review
3.5/5
Best for government-backed loans620
FHA:550USDA:550CONVENTIONAL:620JUMBO:N/AVA:5503%Homebridge offers conventional loans for as little as 3% down.Read review
USAA NMLS#8722Read review
4.0/5
Best for government-backed loans620
VA:640JUMBO:N/ACONVENTIONAL:6203%USAA offers conventional loans with as little as 3% down.Read review
Chase NMLS#399798Read review
4.5/5
Best for traditional banks620
CONVENTIONAL:620FHA:620JUMBO:N/AUSDA:N/AVA:6203%Chase's DreaMaker mortgage allows down payments as low as 3%.Read reviewLearn more
at Rocket Mortgage, LLC
Rocket Mortgage LLC NMLS#3030
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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credit score620
VA:580JUMBO:N/AFHA:580CONVENTIONAL:620
Min. down payment3%
Rocket Mortgage offers conventional mortgages with as little as 3% down. View details Learn moreat Rocket Mortgage, LLC
View details Why we like it
Good for: borrowers who appreciate convenience online and on the go for a fully digital home loan experience with consistently acclaimed customer service.
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Pros
Caters to self-service users who want to apply for a home loan online and talk to a human only as necessary. Estimates the loan amount you’ll qualify for within minutes.
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Streamlines the online process with document and asset retrieval capabilities, including the ability to edit your preapproval letter. Cons
Getting a customized interest rate requires a credit check, which can affect your credit score. Doesn't offer home equity loans or lines of credit.
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Lender fees are on the high side and the fees aren't offset by particularly low mortgage rates, according to the latest data.Read Full ReviewLearn more
at Fairway Independent Mortgage
Fairway Independent Mortgage NMLS#2289
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620 CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:640 Min.
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down payment3%
Fairway Independent Mortgage offers conventional mortgages with flexible terms and mortgage insurance options on down payments less than 20%. View details Learn moreat Fairway Independent Mortgage
View details Why we like it
Good for: borrowers who want access to a wide variety of mortgages, including renovation loans and ITIN loans. Pros
Offers a robust suite of loan products, including ITIN loans for borrowers without Social Security numbers, renovation loans, government-backed mortgages and loans for self-employed borrowers.
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Receives high marks for customer satisfaction, according to J.D. Power and Zillow. Cons
Mortgage rates for different types of loans aren't posted online.
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Origination fees are on the high side compared with other lenders, according to the latest federal data.Read Full ReviewRead review
Bank of America NMLS#399802
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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credit score660
CONVENTIONAL:660FHA:600JUMBO:720VA:620
Min. down payment5%
Bank of America offers down payments as low as 3% through its Affordable Loan Solution mortgage program. National / regionalNational
View details Read reviewView details National / regional
National
Why we like it
Good for: first-time home buyers looking for low- or no-down-payment options and homeowners interested in a home equity line of credit.
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Pros
Offers down payment and closing cost assistance programs. May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
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Receives high marks for customer satisfaction, according to J.D. Power and Zillow. Cons
Doesn't offer renovation loans that roll costs into a mortgage.Read Full ReviewRead review
loanDepot NMLS#174457
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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18 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
JUMBO:N/AVA:620FHA:580CONVENTIONAL:620
Min. down payment5%
LoanDepot offers conventional loans with as little as 5% down.
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View details Read reviewView details Why we like it
Good for: borrowers who want an easy online application and a variety of loan types to explore. Pros
Has branches across the country for customers who prefer face-to-face service. Receives high marks for customer satisfaction, according to J.D.
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Power and Zillow. Mortgage interest rates tend to be on the lower end, according to the latest federal data.
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Cons
Mortgage rates aren't available online; you'll need to contact a loan officer. Doesn't offer home equity loans or lines of credit.Read Full ReviewRead review
PrimeLending NMLS#13649
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
CONVENTIONAL:620FHA:580JUMBO:N/AUSDA:620VA:580
Min. down payment3%
PrimeLending offers conventional loans with down payments as low as 3%.
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View details Read reviewView details Why we like it
Good for: borrowers looking for closing cost assistance, as well as those seeking to renovate or to build a new home. Pros
Full online application includes document uploads and automated loan updates. Offers a "float-down" interest rate lock.
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Offers government-backed mortgage and refinance options, including FHA, USDA and VA loans. Cons
No online mortgage rates — you have to contact the lender for info. Doesn't offer home equity products.Read Full ReviewRead review
Guild Mortgage NMLS#3274
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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16 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
VA:N/AUSDA:N/AJUMBO:N/AFHA:N/ACONVENTIONAL:620
Min.
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down payment3%
Guild Mortgage offers conventional loans with as little as 3% down. View details Read reviewView details Why we like it
Good for: borrowers who value customer service, and first-time home buyers and others who may need the flexibility of a low-down-payment loan program. Pros
Offers a wide variety of loan products, including home improvement loans and mortgages for manufactured homes.
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21 likes
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Has retail branches in most states. Receives high marks for customer satisfaction, according to J.D.
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37 likes
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Power and Zillow. Cons
Does not offer home equity loan products. Origination fees tend to be higher, according to the latest federal data.Read Full ReviewRead review
Flagstar NMLS#417490
5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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16 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
USDA:660VA:660JUMBO:N/AFHA:640CONVENTIONAL:620
Min.
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26 likes
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down payment3%
Flagstar offers 3% down payments on conventional loans for first-time home buyers. View details Read reviewView details Why we like it
Good for: borrowers who want a wide range of choices — not only among mortgage products, but also in the channel they prefer, whether a branch, online or on the phone.
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Pros
Offers a wide range of loan types and products, including FHA, VA and USDA. Has a full suite of online conveniences.
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Offers customized online rate quotes with monthly payment estimates, including mortgage insurance, when applicable. Cons
Home equity loans are geographically limited.Read Full ReviewRead review
Homebridge NMLS#6521
3.5NerdWallet rating NerdWallet's ratings are determined by our editorial team.
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29 likes
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The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620
FHA:550USDA:550CONVENTIONAL:620JUMBO:N/AVA:550
Min. down payment3%
Homebridge offers conventional loans for as little as 3% down.
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36 likes
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View details Read reviewView details Why we like it
Good for borrowers who want a loan officer's help, in person or on the phone, when deciding among the wide range of available mortgage options — including loans to buy and renovate. Pros
Offers a full array of mortgage products, including government and renovation loans.
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35 likes
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Online portal keeps borrowers up to date on the loan application's progress. Offers home equity lines of credit, or HELOCs. Cons
Doesn't post interest rates on its site.
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50 likes
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Lender fees are on the high side, according to the latest federal data.Read Full ReviewRead review
USAA NMLS#8722
4.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min. credit score620 VA:640JUMBO:N/ACONVENTIONAL:620 Min.
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10 likes
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down payment3%
USAA offers conventional loans with as little as 3% down. View details Read reviewView details Why we like it
USAA specializes in VA loans and offers a variety of online conveniences, but its website doesn’t offer customized rate quotes. Pros
VA loans are the bulk of USAA’s business, so it knows the ins and outs of eligibility.
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Lots of experience assisting first-time home buyers. You can submit loan documents online. Cons
Doesn’t offer FHA or USDA loans, or second mortgages.
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Limited mortgage rate information is on the USAA website, none of it customized. You'll have to call.Read Full ReviewRead review
Chase NMLS#399798
4.5NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account loan types and loan products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available HMDA data.Min.
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15 likes
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credit score620
CONVENTIONAL:620FHA:620JUMBO:N/AUSDA:N/AVA:620
Min. down payment3%
Chase's DreaMaker mortgage allows down payments as low as 3%. View details Read reviewView details Why we like it
Good for: borrowers who want a wide selection of loan products, an in-person experience and comparatively low interest rates.
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Pros
Carries a wide variety of mortgage types and products, including DreaMaker and Standard Agency mortgages, with down payments as low as 3%. Offers low rates compared with other lenders, according to the latest federal data.
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23 likes
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Offers a customizable mortgage calculator for personalized rate and payment estimates. Cons
Doesn't offer home improvement loans, such as FHA 203(k) and HomeStyle.
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You have to speak with a home loan adviser to complete the application. Home equity lines of credit (HELOC) are currently unavailable.Read Full Review
Local mortgage lenders in Dallas-Fort Worth
If you want to include a local lender or two in your search for the best mortgage, these Dallas-Fort Worth lenders are among the highest-volume mortgage makers in the city. The following lenders have not been reviewed by NerdWallet.
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12 likes
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Supreme Lending
The application process can begin online. Works to earn referrals from previous customers and local real estate professionals. Offers conventional, government-backed and jumbo loans.
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4 likes
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First United Mortgage Group
Finances condominiums (non-warrantable) that don’t meet the standards of Fannie Mae or Freddie Mac. A complete line of mortgage loans, including for vacation homes as well as construction and renovation.
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33 likes
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Also offers loans for investment properties. DHI Mortgage
If you’ve been denied a mortgage, credit consultants will analyze your credit report and help identify ways to improve your creditworthiness. Online pre-qualification form gets the homebuying process started.
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39 likes
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Staffed to serve Spanish-speaking customers. Cendera Funding
Founded in Fort Worth in 1998.
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42 likes
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Underwrites, processes and services all loans in-house. Offers an online application.
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45 likes
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More from NerdWallet
How much house can you afford? Compare Texas mortgage rates
Calculate your Texas mortgage payment
Last updated on January 6, 2022
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage.
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The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team. To recap our selections...
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NerdWallet' s Best Dallas-Fort Worth Mortgage Lenders of 2022
Rocket Mortgage, LLC: Best for online convenienceFairway Independent Mortgage: Best for customer serviceBank of America: Best for traditional banksloanDepot: Best for online conveniencePrimeLending: Best for customer serviceGuild Mortgage: Best for first-time home buyersFlagstar: Best for first-time home buyersHomebridge: Best for government-backed loansUSAA: Best for government-backed loansChase: Best for traditional banksAbout the author
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