9 Best Houston Mortgage Lenders of 2022

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

Last updated on January 6, 2022

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Houston mortgage lenders serve a wide range of borrowers: first-time home buyers snagging a condo in the walkable EaDo, commuting suburbanites in The Woodlands or out in Sugar Land or Katy. And H-Town lenders also cater to the pricey ground for sale inside the loop, such as River Oaks.

NerdWallet vetted the capabilities of Houston mortgage companies in various categories. And we found some top-producing local lenders for your consideration.

» MORE: Find out about Texas first-time home buyer programs

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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.

NerdWallet's mortgage content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in home lending. Their work has appeared in The Associated Press, USA Today, The Washington Post, MarketWatch, Newsweek and many other national, regional and local publications. They have been cited in publications including The Wall Street Journal, and appeared on NerdWallet's "Smart Money" podcast as well as local TV and radio.

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.

9 Best Houston Mortgage Lenders of 2022

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Lender ▾ ▾	NerdWallet Rating ▾ ▾	Min. credit score ▾ ▾	National / regional ▾ ▾	Learn more
Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage at Fairway Independent Mortgage	3.0 /5 Refinancing Best for mobile experience	620	National	Learn more at Fairway Independent Mortgage at Fairway Independent Mortgage
loanDepot: NMLS#174457 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for customer service	620	National	Compare More Lenders on NerdWallet
Caliber: NMLS#15622 Compare More Lenders on NerdWallet	3.5 /5 VA loans Best for VA borrowers	580	National	Compare More Lenders on NerdWallet
USAA: NMLS#8722 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for VA borrowers	620	Regional	Compare More Lenders on NerdWallet
PrimeLending: NMLS#13649 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for closing costs assistance	620	National	Compare More Lenders on NerdWallet
Bank of America: NMLS#399802 Compare More Lenders on NerdWallet	4.5 /5 Home loans overall Best for in-person service	660	National	Compare More Lenders on NerdWallet
Flagstar: NMLS#417490 Compare More Lenders on NerdWallet	5.0 /5 Home loans overall Best for full-service experience	N/A	National	Compare More Lenders on NerdWallet
Homebridge: NMLS#6521 Compare More Lenders on NerdWallet	3.5 /5 Home loans overall Best for wide selection of loan products	620	National	Compare More Lenders on NerdWallet
Chase: NMLS#399798 Compare More Lenders on NerdWallet	4.0 /5 Home loans overall Best for in-person service	620	National	Compare More Lenders on NerdWallet

» 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 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.

To recap our selections...

NerdWallet's Best Houston Mortgage Lenders of 2022

Fairway Independent Mortgage: Best for mobile experience
loanDepot: Best for customer service
Caliber: Best for VA borrowers
USAA: Best for VA borrowers
PrimeLending: Best for closing costs assistance
Bank of America: Best for in-person service
Flagstar: Best for full-service experience
Homebridge: Best for wide selection of loan products
Chase: Best for in-person service