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.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
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.
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.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Best Dallas-Fort Worth Mortgage Lenders
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
 Bank of America: NMLS#399802 LEARN MORE on NerdWallet | 660 | 5% | LEARN MORE on NerdWallet | |
 loanDepot: NMLS#174457 LEARN MORE on NerdWallet | 620 | 5% | LEARN MORE on NerdWallet | |
 PrimeLending: NMLS#13649 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Guild Mortgage: NMLS#3274 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Flagstar: NMLS#417490 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Homebridge: NMLS#6521 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 USAA: NMLS#8722 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Chase: NMLS#399798 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet |
Rocket Mortgage, LLC: NMLS#3030
620
1%
- Streamlined online process with document and asset retrieval capabilities, as well as the ability to edit your preapproval letter.
- Offers the option to work with loan officers by phone if desired.
- Largest FHA lender in the nation.
- Getting a customized interest rate requires a credit check, which can affect your credit score.
- Origination fees are on the high side compared with other lenders, according to the latest federal data.
- Doesn't offer home equity lines of credit.
Fairway Independent Mortgage: NMLS#2289
620
3%
- 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.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Mortgage rates for different types of loans aren't posted online.
- Origination fees and mortgage rates are on the high side compared with other lenders, according to the latest federal data.
Bank of America: NMLS#399802
660
5%
National
- Offers down payment and closing cost assistance programs.
- May give existing customers a discount on mortgage lender origination fees and HELOC interest rates.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Doesn't offer renovation or construction-to-permanent mortgage loans.
- Must enroll in online banking to access Home Loan Navigator.
- Fined $12 million for reporting inaccurate mortgage applicant info to the federal government.
- Offers a variety of repayment terms.
- Online loan calculator lets borrowers compare monthly payments and lifetime interest.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- No sample interest rates are provided.
- Origination fees are on the higher end, according to the latest federal data.
- Lender’s website does not have a live chat feature.
PrimeLending: NMLS#13649
620
3%
- Offers a broad selection of renovation loans to finance cosmetic upgrades or structural repairs.
- Issues loan approval letters within 24 hours to borrowers who qualify.
- Offers resources to connect eligible borrowers with closing cost and down payment assistance programs.
- No online mortgage rates — you have to contact the lender for information.
- Rates and fees are on the high side, according to the latest federal data.
- Doesn't offer home equity loans or lines of credit.
Guild Mortgage: NMLS#3274
620
3%
- Offers a wide variety of loan options, including home improvement loans and mortgages for manufactured homes.
- Has branches in most states.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Origination fees and mortgage rates tend to be on the high side, according to the latest federal data.
- Mortgage rates are not published online.
- Mobile app receives mostly negative reviews from users.
- Multiple loans for those who are renovating or building a home, including loans with interest-only payments during construction.
- Offers home equity loans and lines of credit.
- Offers down payment assistance and loans for underserved borrowers, including ITIN loans and loans with flexible qualifications in certain communities.
- Interest rates are on the low side relative to other lenders, according to the latest federal data.
- Borrowers can enter their information (including their desired loan amount, down payment and zip code) into the lender’s Mortgage Quote Comparison tool and receive a customized rate quote.
- Home equity loans are not available in all locations served by Flagstar.
- In 2022, the lender was fined for violating laws regarding properties in flood zones.
- Offers a full array of mortgage products, including government and renovation loans.
- Online portal keeps borrowers up to date on the loan application's progress.
- Offers home equity lines of credit, or HELOCs.
- Doesn't post interest rates on its site.
- Lender fees are on the high side, according to the latest federal data.
- VA loans are the bulk of USAA's business, so its loan officers know the ins and outs of eligibility and the application process.
- Offers HomeReady loans, a conventional mortgage with flexible down payment options for low- and moderate- income buyers.
- Has a highly rated mobile app.
- Offers a limited selection of loans apart from VA, including no FHA or USDA loans.
- Doesn’t offer home equity loans or lines of credit.
- Only sample mortgage rate information is on the USAA website. For customized rates, you have to make contact.
- Offers two proprietary loans with low down payment requirements.
- Provides customizable sample rates.
- Receives high marks for customer satisfaction, according to JD Power and Zillow.
- Borrowers must apply for prequalification before accessing a full online application.
- Origination fees are higher than average, according to the latest federal data.
- Borrowers may be frustrated with the lender’s website experience.
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.
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.
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.
Also offers loans for investment properties.
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.
Staffed to serve Spanish-speaking customers.
Founded in Fort Worth in 1998.
Underwrites, processes and services all loans in-house.
Offers an online application.
More from NerdWallet
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. 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.
NerdWallet's Best Dallas-Fort Worth Mortgage Lenders of 2022
- Rocket Mortgage, LLC: Best for online convenience
- Fairway Independent Mortgage: Best for customer service
- Bank of America: Best for traditional banks
- loanDepot: Best for online convenience
- PrimeLending: Best for customer service
- Guild Mortgage: Best for first-time home buyers
- Flagstar: Best for first-time home buyers
- Homebridge: Best for government-backed loans
- USAA: Best for government-backed loans
- Chase: Best for traditional banks
