10 Best Dallas-Fort Worth Mortgage Lenders of 2022
These are highly rated Dallas mortgage lenders in various lending categories. You can’t shop hundreds of lenders, but now you can certainly find three.
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The over 9,000 square miles of the Dallas-Fort Worth metroplex — the second-largest land area of the top 20 most-populated cities in the U.S. — is home to hundreds of banks, credit unions, mortgage lenders and savings institutions. To get the best terms on a home loan, NerdWallet recommends you shop at least three.
To get the Texas-sized financial marketplace of DFW a bit more manageable, we’ve herded the best mortgage lenders by category, then corralled the results by national and local lenders.
- 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.
- 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.
10 Best Dallas-Fort Worth Mortgage Lenders of 2022
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Lender ▾ ▾ | NerdWallet Rating ▾ ▾ | Min. credit score ▾ ▾ | Min. down payment ▾ ▾ | Learn more |
|---|---|---|---|---|
620 | 1% | Learn more at Rocket Mortgage, LLC | ||
 Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | 620 | 3% | Learn more at Fairway Independent Mortgage | |
 Bank of America: NMLS#399802 LEARN MORE on NerdWallet | 660 | 5% | LEARN MORE on NerdWallet | |
 loanDepot: NMLS#174457 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 PrimeLending: NMLS#13649 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Guild Mortgage: NMLS#3274 LEARN MORE on NerdWallet | N/A | 3% | LEARN MORE on NerdWallet | |
 Flagstar: NMLS#417490 LEARN MORE on NerdWallet | N/A | 5% | LEARN MORE on NerdWallet | |
 Homebridge: NMLS#6521 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 USAA: NMLS#8722 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet | |
 Chase: NMLS#399798 LEARN MORE on NerdWallet | 620 | 3% | LEARN MORE on NerdWallet |
Rocket Mortgage, LLC: NMLS#3030
620
1%
- Reported average time to close is 15 days faster than industry average.
- FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
- Borrowers can apply via mobile app.
- Origination fees are on the higher end, according to the latest federal data.
- No construction or renovation loans.
- Physical branches are only available in Detroit, Cleveland, and Phoenix.
Fairway Independent Mortgage: NMLS#2289
620
3%
- Loan options include government-backed mortgages and physician loans.
- Offers first-time home buyer grants to buyers in eligible locations.
- Highest scoring mortgage lender for customer satisfaction, according to J.D. Power.
- Mortgage rates aren't posted online.
- Online customer service requires contact information and phone is for existing customers only.
- Home equity loans and HELOCs are not available.
- Has been penalized for redlining.
Bank of America: NMLS#399802
660
5%
National
- Interest rates are lower than most lenders, according to the latest federal data.
- Offers up to $10,000 in down payment assistance to qualified borrowers.
- Banking customers can get discounted interest rates or fees.
- Mortgage origination fees are on the high side, according to the latest federal data.
- Rate estimator tool doesn’t personalize by credit score.
- Fined $12 million for reporting inaccurate mortgage applicant info to the federal government.
- Offers a variety of repayment terms for fixed-rate loans.
- Does a substantial amount of business in FHA lending.
- mello smartloan product can streamline mortgage application, appraisal and title search.
- Interest rates are not available on the website.
- Origination fees are on the higher end, according to the latest federal data.
PrimeLending: NMLS#13649
620
3%
- Offers closing cost assistance.
- Wide variety of loan types, including non-QM loans.
- Mortgages are available for manufactured homes, including 3D-printed houses.
- Loans are not available in all states.
- Rates are not posted online.
- Does not have a mobile app.
Guild Mortgage: NMLS#3274
N/A
3%
- Offers several programs to make homeownership more accessible.
- Offers loans for manufactured homes.
- Renovation loan options are available.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
- Conventional loan terms extend to 40 years, which is unusually flexible.
- Offers options for high-balance mortgages.
- Offers specialized mortgages for professionals, such as doctors and lawyers, starting their careers.
- Reported average time to close (20-30 days) is faster than industry standard.
- The lender’s mobile app is focused on banking, not mortgages.
- Conventional fixed-rate mortgages require a 5% minimum down payment, higher than some competitors.
- Offers a full array of mortgage products, including government and renovation loans.
- Online portal keeps borrowers up to date on the loan application's progress.
- Offers home equity lines of credit, or HELOCs.
- Doesn't post interest rates on its site.
- Lender fees are on the high side, according to the latest federal data.
- Wide range of VA options, including jumbo loans and refinancing.
- Offers a low-down payment loan for first-time home buyers.
- Offers 10-, 15-, 20- and 30-year repayment terms, which is unusually flexible.
- Average VA loan interest rates are less competitive than some other top VA lenders, according to the latest data.
- Does not offer home equity loans or HELOCs.
- Offers two loans with 3% down payment minimums.
- Home buyer grants up to $7,500 may apply for qualifying borrowers.
- Receives high marks for customer satisfaction, according to J.D. Power and Zillow.
- Borrowers must speak with a home loan expert before completing an online application.
- No online live chat feature, and in-person services vary by branch location.
Local mortgage lenders in Dallas-Fort Worth
If you want to include a local lender or two in your search for the best mortgage, these Dallas-Fort Worth lenders are among the highest-volume mortgage makers in the city. The following lenders have not been reviewed by NerdWallet.
The application process can begin online.
Works to earn referrals from previous customers and local real estate professionals.
Offers conventional, government-backed and jumbo loans.
Finances condominiums (non-warrantable) that don’t meet the standards of Fannie Mae or Freddie Mac.
A complete line of mortgage loans, including for vacation homes as well as construction and renovation.
Also offers loans for investment properties.
If you’ve been denied a mortgage, credit consultants will analyze your credit report and help identify ways to improve your creditworthiness.
Online pre-qualification form gets the homebuying process started.
Staffed to serve Spanish-speaking customers.
Founded in Fort Worth in 1998.
Underwrites, processes and services all loans in-house.
Offers an online application.
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.
NerdWallet's Best Dallas-Fort Worth Mortgage Lenders of 2022
- Rocket Mortgage, LLC: Best for online convenience
- Fairway Independent Mortgage: Best for customer service
- Bank of America: Best for traditional banks
- loanDepot: Best for online convenience
- PrimeLending: Best for customer service
- Guild Mortgage: Best for first-time home buyers
- Flagstar: Best for first-time home buyers
- Homebridge: Best for government-backed loans
- USAA: Best for government-backed loans
- Chase: Best for traditional banks
