8 Best Texas Mortgage Lenders in 2022
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.
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Texas mortgage lenders vary by the types of home loans they offer, their credit score and other requirements for borrowers, and how they serve customers. Shopping around is important to find a lender that offers the services and products you need at the lowest rates. To help you find the best mortgage lender in Texas for your situation, NerdWallet has reviewed and picked some of the best lenders in a variety of categories.
Why trust NerdWallet
- 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.
Why trust NerdWallet
- 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.
8 Best Texas Mortgage Lenders in 2022
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | 3% | Learn more at Rate | ||
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 PrimeLending: NMLS#13649 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Alterra: NMLS#133739 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Carrington: NMLS#2600 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Wells Fargo: NMLS#399801 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet | |
 Bank of America: NMLS#399802 Compare More Lenders on NerdWallet | 660 | 5% | Compare More Lenders on NerdWallet | |
 Chase: NMLS#399798 Compare More Lenders on NerdWallet | 620 | 3% | Compare More Lenders on NerdWallet |
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 6, 2022
Frequently asked questions
The best lender depends on your needs. Lenders vary by their borrower qualification requirements as well as the types of home loans they offer. Some lenders offer face-to-face service while others provide a completely online application experience. To find the best Texas mortgage lender, look for companies that offer the type of loan and services you need, and compare their rates and fees.
One isn't necessarily better than another, so don't confine your search to one type of lender. Consider banks, credit unions and mortgage companies that offer the products and services you need, and then compare rates to find the best lender.
The Texas Department of Housing and Community Affairs, or TDHCA, offers programs that provide down payment and closing cost assistance. To qualify for one of these Texas home buyer programs, you'll need to work with a TDHCA-approved lender.
Mortgage rates fluctuate day by day, and vary by lender. Rates also vary according to other factors, including the size of your loan and down payment, credit score and debt-to-income ratio. Keep in mind that the rate you're offered may differ from the average rates a lender posts on its website.
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 Texas Mortgage Lenders in 2022
- Rate: Best for online experience
- Rocket Mortgage, LLC: Best for first-time home buyers and online experience
- PrimeLending: Best for first-time home buyers
- Alterra: Best for bad credit
- Carrington: Best for bad credit
- Wells Fargo: Best for face-to-face service
- Bank of America: Best for face-to-face service
- Chase: Best for refinancing
