Best of

Best Houston Mortgage Lenders of 2019

NerdWalletJuly 2, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Houston mortgage lenders serve a wide range of borrowers. Here are the highest-rated, NerdWallet-reviewed lenders as well as top-producing local firms.

Summary of Best Houston Mortgage Lenders of 2019

LenderBest For

Minimum Credit Score

Minimum Down PaymentLearn More
Quicken Loans

Quicken Loans

at Quicken Loans

customer service

620

3%

at Quicken Loans

Chase

Chase

at Chase

in-person service

620

3%

at Chase

Flagstar

Flagstar

full-service experience

620

3%

Read review
Bank of America

Bank of America

in-person service

620

3%

Read review
loanDepot

loanDepot

at loanDepot

customer service

620

3.5%

at loanDepot

Caliber

Caliber

VA borrowers

620

3%

Read review
PrimeLending

PrimeLending

closing costs assistance

620

3%

Read review
USAA

USAA

VA borrowers

620

3%

Read review
Fairway

Fairway

mobile experience

N/A

3%

Read review
HomeBridge

HomeBridge

wide selection of loan products

620

3%

Read review
LenderBest For

Minimum Credit Score

Minimum Down PaymentLearn More
Quicken Loans

Quicken Loans

at Quicken Loans

customer service

620

3%

at Quicken Loans

Chase

Chase

at Chase

in-person service

620

3%

at Chase

Flagstar

Flagstar

full-service experience

620

3%

Read review
Bank of America

Bank of America

in-person service

620

3%

Read review
loanDepot

loanDepot

at loanDepot

customer service

620

3.5%

at loanDepot

Caliber

Caliber

VA borrowers

620

3%

Read review
PrimeLending

PrimeLending

closing costs assistance

620

3%

Read review
USAA

USAA

VA borrowers

620

3%

Read review
Fairway

Fairway

mobile experience

N/A

3%

Read review
HomeBridge

HomeBridge

wide selection of loan products

620

3%

Read review
Logo

at Quicken Loans

Quicken Loans

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 

at Quicken Loans


Why we like it

Ideal choice for convenience and quick-response customer service. Quicken Loans provides just about all the services your neighborhood lender does — with online convenience.

Rating and Review

Pros

  • Quicken Loans couples a fully online application with available mortgage advisors for those who want a human touch.

  • Instantly verifies employment and income for more than 60% of working Americans.

  • Offers custom fixed-rate loan terms that are between eight and 30 years.

  • Provides FHA-backed loans, USDA loans as well as products offered by Freddie Mac and Fannie Mae that require down payments as low as 3%.

Cons

  • Doesn't offer home equity loans or HELOCs.

  • If you’re a “look me in the eye” type of customer, you’re out of luck.

  • Doesn’t consider alternative credit data. It just looks at credit scores and debt-to-income ratios, the way most mortgage lenders always have.

Read Full Review
Logo

at Chase

Min. Credit Score 
620 

Min. Down Payment 
3% 

at Chase


Why we like it

Ideal for first-time home buyers who want to talk to a loan officer in person or on the phone, and for homeowners who want to refinance their mortgages in 60 days or less. Chase offers a full line of mortgage products and account management tools.

Rating and Review

Pros

  • Allows electronic submission and tracking of documents.

  • Existing Chase customers can get discounts.

  • Offers a wide selection of purchase and refinance mortgages.

Cons

  • Charges rate lock, origination and underwriting fees.

  • You have to speak with a mortgage banker to get complete info on products and requirements.

Read Full Review

Flagstar

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for those who appreciate the full-service experience of a leading regional bank. Flagstar offers a full menu of fixed and adjustable home loans and mortgage refinancing, as well as jumbo loans and home equity financing.

Rating and Review

Pros

  • Embraces FHA-backed home loans.

  • Offers several types of construction and renovation mortgages.

  • A professional loan package is tailored for the needs of doctors, lawyers, nurse practitioners, airline pilots and certified public accountants.

  • Flagstar reps are familiar with low-down-payment state bond programs for first-time home buyers and income-limited households, as well as the areas that qualify for USDA loans.

  • Offers home equity loans and home equity lines of credit.

Cons

  • Charges an average $1,295 in underwriting and processing fees.

Read Full Review

Bank of America

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for borrowers who prefer a traditional bank. Bank of America offers a wide array of mortgages and online account management tools. It also has first-time home buyer loans with low down payments and no mandatory mortgage insurance.

Rating and Review

Pros

  • Allows borrowers to apply entirely online.

  • Offers down payment and closing cost assistance programs.

  • Accepts alternative credit data for some loan types.

  • May give existing customers a discount on mortgage lender origination fees.

Cons

  • Charges an application fee of $1,170, on average.

  • Has a high volume of consumer complaints, even for a big national bank.

Read Full Review
Logo

at loanDepot

loanDepot

Logo
Min. Credit Score 
620 

Min. Down Payment 
3.5% 

at loanDepot


Why we like it

Ideal for borrowers looking to get a mortgage with help from a loan officer. Digital back-office operations are said to add efficiency to the loan process.

Rating and Review

Pros

  • Offers digital income, asset and employment verification.

  • Has over 150 affiliated loan stores nationwide for customers who prefer face-to-face service.

  • One of the nation’s most active lenders of FHA and VA loans.

Cons

  • Published mortgage rates include up to three points of prepaid interest and fees.

  • Does not offer home equity loans or lines of credit.

Read Full Review

Caliber

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for first-time home buyers, veterans and those who may have credit challenges to overcome.

Rating and Review

Pros

  • Participates in some state down payment assistance programs.

  • Offers educational resources for military borrowers.

  • Provides digital tools for a streamlined application process.

Cons

  • No mortgage rates displayed online.

  • Must work with a loan officer for pre-qualification and preapproval.

Read Full Review

PrimeLending

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for borrowers with past credit issues and those looking for down payment and closing cost assistance programs.

Rating and Review

Pros

  • Low rate of consumer complaints filed with the Consumer Financial Protection Bureau.

  • Offers a "float-down" interest rate lock.

  • Offers a proprietary closing-cost assistance program.

Cons

  • No online mortgage rates.

  • Charges an origination fee.

  • Doesn't offer home equity products.

Read Full Review
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for military members and their relatives who are interested in a VA loan.

Rating and Review

Pros

  • VA loans are the bulk of USAA’s business, so it knows the ins and outs of eligibility.

  • Lots of experience assisting first-time home buyers.

  • Offers online pre-qualification.

Cons

  • Doesn’t offer FHA or USDA loans.

  • Alternative credit is not considered.

Read Full Review

Fairway

Logo
National / Regional 
National 

Min. Down Payment 
3% 


Why we like it

Ideal for borrowers who want lots of options and a quick turn time. Fairway Independent Mortgage offers a full selection of home loans along with a comprehensive mobile app for a fast and easy application process.

Rating and Review

Pros

  • A robust suite of loan products.

  • Licensed in all 50 states.

  • Close in as little as 10 days using the Fairway app.

Cons

  • Limited branch locations.

  • Mortgage rates not posted on website.

Read Full Review

HomeBridge

Logo
Min. Credit Score 
620 

Min. Down Payment 
3% 


Why we like it

Ideal for borrowers who prefer an online experience. Homebridge offers a variety of home loan options and an online application.

Rating and Review

Pros

  • A wide variety of loan types.

  • Low credit score requirements for government-backed loans.

  • A wealth of educational material on its website.

  • Licensed in all 50 states.

Cons

  • Mortgage application can't be tracked online.

  • Charges origination fees on some loans.

  • Limited branch locations.

Read Full Review

» MORE: Compare Houston mortgage rates

Local mortgage lenders in Houston

If you want to include a local lender or two in your search for the best mortgage, these Houston lenders are among the highest-volume mortgage providers in the city, though they have not been reviewed by NerdWallet.

Cornerstone Home Lending

  • About a dozen offices in the Houston metro area.
  • Complete an online form to pre-qualify.
  • An app allows you to upload documents, check your loan status and even search for homes.

Zions Bank

  • Specializes in jumbo loans in the Houston area.
  • A large selection of home loans, including construction and agriculture mortgages.
  • Offers home equity lines of credit and loans.

AmCap Home Loans

  • Texas-born in 2002, with headquarters in Houston and offices in more than 30 states.
  • Online, you can choose a "Quick Start" option or take about 15 minutes to complete a full pre-qualification.
  • A no-credit-score mortgage option is available, as well as bank statement programs and government-backed loans.

Eagle Home Mortgage

  • Nearly 20 loan officers in its north Houston office.
  • A digital mortgage gateway allows you to complete pre-qual information in as little as 10 minutes.
  • The broad selection of loans includes conventional, government-backed, renovation and even reverse mortgages.

More from NerdWallet

Last updated on July 2, 2019

Methodology

NerdWallet's selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.

To recap our selections...

NerdWallet's Best Houston Mortgage Lenders of 2019