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.

Last updated on January 6, 2022
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NerdWallet
NerdWallet
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10 Best Dallas-Fort Worth Mortgage Lenders of 2022

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Lender
NerdWallet Rating
Min. credit score
Min. down payment
Learn more
Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

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at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
Home loans overall
Best for online convenience

620

1%

Learn more
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
Fairway Independent Mortgage

Fairway Independent Mortgage: NMLS#2289

Learn more
at Fairway Independent Mortgage
at Fairway Independent Mortgage
2.5
/5
Home loans overall
Best for customer service

620

3%

Learn more
at Fairway Independent Mortgage
at Fairway Independent Mortgage
Bank of America

Bank of America: NMLS#399802

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on NerdWallet
4.0
/5
Home loans overall
Best for traditional banks

660

5%

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on NerdWallet
loanDepot

loanDepot: NMLS#174457

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on NerdWallet
4.0
/5
Home loans overall
Best for online convenience

620

3%

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on NerdWallet
PrimeLending

PrimeLending: NMLS#13649

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on NerdWallet
4.0
/5
Home loans overall
Best for customer service

620

3%

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on NerdWallet
Guild Mortgage

Guild Mortgage: NMLS#3274

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on NerdWallet
4.0
/5
Home loans overall
Best for first-time home buyers

N/A

3%

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on NerdWallet
Flagstar

Flagstar: NMLS#417490

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on NerdWallet
5.0
/5
Home loans overall
Best for first-time home buyers

N/A

5%

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on NerdWallet
Homebridge

Homebridge: NMLS#6521

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on NerdWallet
3.5
/5
Home loans overall
Best for government-backed loans

620

3%

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on NerdWallet
USAA

USAA: NMLS#8722

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on NerdWallet
4.0
/5
Home loans overall
Best for government-backed loans

620

3%

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on NerdWallet
Chase

Chase: NMLS#399798

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on NerdWallet
4.0
/5
Home loans overall
Best for traditional banks

620

3%

LEARN MORE
on NerdWallet
Rocket Mortgage, LLC
Learn more
at Rocket Mortgage, LLC
at Rocket Mortgage, LLC
Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

4.5
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

1%

Why We Like ItRocket Mortgage is the largest mortgage lender by volume, standing out for its range of affordable borrowing options, down payment assistance and closing cost credits.
Pros
  • 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.
Cons
  • 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.
Read Full Review
Fairway Independent Mortgage
Learn more
at Fairway Independent Mortgage
at Fairway Independent Mortgage
Fairway Independent Mortgage

Fairway Independent Mortgage: NMLS#2289

2.5
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItFairway Independent Mortgage Corporation has many brick-and-mortar branches and a reputation for top-notch customer service, but it was recently penalized for redlining.
Pros
  • 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.
Cons
  • 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
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on NerdWallet
Bank of America

Bank of America: NMLS#399802

4.0
Home loans overall
NerdWallet rating
Min. credit score

660

Min. down payment

5%

National / regional

National

Why We Like ItBank of America offers low interest rates, in-person service and plenty of loan options, but it was fined by regulators for reporting inaccurate mortgage data.
Pros
  • 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.
Cons
  • 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.
loanDepot
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on NerdWallet
loanDepot

loanDepot: NMLS#174457

4.0
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItLoanDepot is a large nonbank lender that offers the potential for a streamlined mortgage process and cash back, but to start an application or get a rate quote you must work with a loan officer over the phone.
Pros
  • 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.
Cons
  • Interest rates are not available on the website.
  • Origination fees are on the higher end, according to the latest federal data.
PrimeLending
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on NerdWallet
PrimeLending

PrimeLending: NMLS#13649

4.0
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItPrimeLending stands out for its wide variety of loan types, including non-QM loans and renovation and construction options, but lacks some technical features like online rates or a mobile app.
Pros
  • Offers closing cost assistance.
  • Wide variety of loan types, including non-QM loans.
  • Mortgages are available for manufactured homes, including 3D-printed houses.
Cons
  • Loans are not available in all states.
  • Rates are not posted online.
  • Does not have a mobile app.
Guild Mortgage
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on NerdWallet
Guild Mortgage

Guild Mortgage: NMLS#3274

4.0
Home loans overall
NerdWallet rating
Min. credit score

N/A

Min. down payment

3%

Why We Like ItGuild offers a number of loans and programs that stand out, including renovation loans and home equity products. However, Guild does not have a mobile app, and interest rates aren’t published online.
Pros
  • Offers several programs to make homeownership more accessible.
  • Offers loans for manufactured homes.
  • Renovation loan options are available.
Cons
  • Does not publish interest rates online.
  • No mortgage mobile app.
  • Loans are not available in every state.
Flagstar
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on NerdWallet
Flagstar

Flagstar: NMLS#417490

5.0
Home loans overall
NerdWallet rating
Min. credit score

N/A

Min. down payment

5%

Why We Like ItFlagstar Bank stands out for its range of accessible loans and programs, including loans with flexible requirements and down payment grant options. Its mortgage operations will be acquired by Mr. Cooper in 2024.
Pros
  • 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.
Cons
  • 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.
Homebridge
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on NerdWallet
Homebridge

Homebridge: NMLS#6521

3.5
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItGood for borrowers who want a loan officer's help, in person or on the phone, when deciding among the wide range of available mortgage options — including loans to buy and renovate.
Pros
  • 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.
Cons
  • Doesn't post interest rates on its site.
  • Lender fees are on the high side, according to the latest federal data.
USAA
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on NerdWallet
USAA

USAA: NMLS#8722

4.0
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItUSAA is among the top five VA loan lenders by volume, though conventional loans are available, too. USAA membership is open only to current and former military and eligible family members.
Pros
  • 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.
Cons
  • 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.
Chase
LEARN MORE
on NerdWallet
Chase

Chase: NMLS#399798

4.0
Home loans overall
NerdWallet rating
Min. credit score

620

Min. down payment

3%

Why We Like ItChase offers a good variety of loan types, including programs for first-time buyers, but it doesn't offer home equity options or stand out for competitive average rates and fees.
Pros
  • 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.
Cons
  • 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.

To recap our selections...

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
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