BEST OF
9 Best Texas Mortgage Lenders in 2021
If you’re looking to buy or refinance a home in Texas in 2021, NerdWallet can help you choose from some of the best mortgage lenders in the state.
As you shop around for your perfect home in Texas, you'll find countless options, from countertops to closets to crown moulding. But the process of selecting a mortgage loan comes with many options, too: Do you want a fully digital experience, or is it important for you to meet with a loan officer face to face? Do you need a lender that's more lenient with credit? Do you a prefer a lender that offers down payment assistance or closing cost assistance programs?
To help guide you toward the best mortgage lender in Texas for your unique needs, NerdWallet has reviewed and picked some of the best lenders in a variety of categories.
As you shop around for your perfect home in Texas, you'll find countless options, from countertops to closets to crown moulding. But the process of selecting a mortgage loan comes with many options, too: Do you want a fully digital experience, or is it important for you to meet with a loan officer face to face? Do you need a lender that's more lenient with credit? Do you a prefer a lender that offers down payment assistance or closing cost assistance programs?
To help guide you toward the best mortgage lender in Texas for your unique needs, NerdWallet has reviewed and picked some of the best lenders in a variety of categories.
Summary of Best Texas Mortgage Lenders in 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for first-time home buyers + online experience | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for online experience | 620 | 3% | at Guaranteed Rate | |
Best for refinancing | 620 | 5% | at Reali Loans | |
Best for refinancing | 620 | 3% | at Chase | |
Best for first-time home buyers | 620 | 3% | Read review | |
Best for face-to-face service | 620 | 3% | Read review | |
Best for face-to-face service | 620 | 3% | Read review | |
Best for bad credit | 620 | 3% | Read review | |
Best for bad credit | 620 | 3% | Read review |
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
at Reali Loans
Reali Loans: NMLS#991397
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Min. Credit Score
National / Regional
at Reali Loans
at Chase
Chase: NMLS#399798
Min. Credit Score
National / Regional
at Chase
PrimeLending: NMLS#13649

Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
Wells Fargo: NMLS#399801

Min. Credit Score
Min. Down Payment
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
Alterra: NMLS#133739

Min. Credit Score
Min. Down Payment
Carrington: NMLS#2600

Min. Credit Score
Min. Down Payment
Best Texas mortgage lenders by city
We dug even deeper to find great lenders in major Texas cities. See our picks for best mortgage lenders in your area.
More from NerdWallet
Last updated on January 2, 2021
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.
To recap our selections...
NerdWallet's Best Texas Mortgage Lenders in 2021
- Rocket Mortgage by Quicken Loans: Best for first-time home buyers + online experience
- Guaranteed Rate: Best for online experience
- Reali Loans: Best for refinancing
- Chase: Best for refinancing
- PrimeLending: Best for first-time home buyers
- Wells Fargo: Best for face-to-face service
- Bank of America: Best for face-to-face service
- Alterra: Best for bad credit
- Carrington: Best for bad credit