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Best Houston Mortgage Lenders of 2019

April 4, 2019
Finding the Right Mortgage, Mortgages
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money.

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

NerdWallet’s best Houston mortgage lenders

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at Quicken Loans

Min. credit score

620

Min. down payment

3%

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.

 

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at Chase

Min. credit score

620

Min. down payment

3%

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.

 

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at Flagstar

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.

 

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at Bank of America

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.

 

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at LoanDepot

Min. credit score

620

Min. down payment

3.5%

Why we like it

Ideal for borrowers looking for a loan selection that nearly rivals banks. LoanDepot has affiliated locations nationwide and is well-rated for low customer complaint volume.

 

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at Caliber Home

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.

 

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at PrimeLending

Min. credit score

620

Min. down payment

3%

Why we like it

Ideal for borrowers looking for help with closing costs: PrimeLending's proprietary program, NeighborhoodEdge, helps qualified low- to moderate-income borrowers with up to $2,000 in closing cost credits (certain restrictions are based on income and location).

 

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at USAA

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.

 

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at Fairway

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.

 

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at Homebridge

Min. credit score

550

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.

 

» 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.

Best Houston mortgage lenders: Summary

More from NerdWallet

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.