Best mortgage & home loan officers in Dallas
These are the 15 highest-scoring mortgage and home loan specialists in Dallas, based on our methodology, which weighs review volume, rating, recency and sentiment together. Every business here has mortgage or home lending as a primary service, not a side offering.
Looking for a broader pick across all loan types, including business and personal lending? See our best loan agencies overall list. This page focuses specifically on mortgage and home loan specialists.
Picks are ranked by score and relevance to mortgage & home loans, so a lower overall score can rank higher here.
At a glance
| # | Business | Score | Rating | From | Best for |
|---|---|---|---|---|---|
| 1 | Planet Home Lending, LLC. - Brooks Kelly | 91 | 5 (110) | — | Complex loans, fast closings |
| 2 | Ricardo Ornelas - Bilingual Mortgage Loan Officer - HomeTown Lending. (Todo el proceso en español) | 87 | 5 (105) | — | Bilingual & first-time buyers |
| 3 | Hurst Lending | 88 | 4.9 (81) | — | Buy-before-you-sell & bridge loans |
| 4 | HiFi Hard Money | 87 | 5 (55) | — | Real estate investors, hard money |
| 5 | JD Hager, Mortgage Loan Officer - First Horizon Bank | 84 | 5 (57) | — | Hands-on availability, competitive rates |
| 6 | Maria Leach | First United Mortgage Group | 84 | 5 (36) | — | First-time buyers wanting plain-language guidance |
| 7 | Stonebriar Mortgage | 83 | 4.8 (73) | — | Self-employed & complex credit profiles |
| 8 | Supreme Lending Dallas - Tomlinson Team | 82 | 4.8 (52) | — | Realtor-trusted, fast turnarounds |
| 9 | Tatom Lending LLC | 69 | 5 (43) | — | Refinances with steady, patient guidance |
| 10 | Source Capital Funding, Inc. | 66 | 5 (2) | — | Hard money with transparent underwriting |
| 11 | DFW Specialty Hard Money Lenders | 56 | 5 (16) | — | Painless hard money experience |
| 12 | Guild Mortgage Company | 51 | 1 (3) | — | Borrowers who verify service quality first |
| 13 | Pius Capital Group | 53 | 5 (2) | — | Clients wanting a dedicated small team |
| 14 | Business & Community Lenders (BCL) of Texas- Dallas | 49 | 3.4 (10) | — | Fair-rate programs, if you confirm current service |
| 15 | Texas Farm Credit | 48 | 3 (6) | — | Rural & agricultural lending |
Ranked picks
Planet Home Lending, LLC. - Brooks Kelly
Why it ranks first
Brooks Kelly's team pulls the top spot on the strength of 110 reviews at a perfect 5.0, with reviewers repeatedly citing closings under three weeks and skilled handling of FHA, VA, construction, Jumbo and Non-QM loans. Out-of-state and first-time buyers describe feeling guided rather than overwhelmed, with proactive texts and portal updates throughout.
Pros
- Expert handling of non-standard loan structures
- Closings reported in under 21 days
- No hidden fees mentioned across reviews
- Proactive communication via text and portal
Services: mortgage loans
Ricardo Ornelas - Bilingual Mortgage Loan Officer - HomeTown Lending. (Todo el proceso en español)
Why it ranks second
Ricardo Ornelas has a perfect 5.0 across 105 reviews, with a track record of closing loans in under a month and approving buyers who were denied elsewhere. His team runs the full process in Spanish or English, which stands out for Dallas buyers who want it handled either way.
Pros
- 100% five-star rating across 105 reviews
- Loans closed in under a month
- Success with previously denied applicants
- Full bilingual service in Spanish and English
Services: mortgage loans, spanish speaking
Hurst Lending
Why it ranks third
Hurst Lending is the name to know for bridge financing, with named officers Jay, Brandon, Bill and Bart praised for letting buyers move before their current home sells. Reviewers point to competitive rates and low closing fees on top of that specialty.
Pros
- Buy-before-you-sell program cited for best terms
- Bridge loan expertise
- Named loan officers respond quickly
- Low fees noted at closing
Services: mortgage loans
HiFi Hard Money
Why it ranks fourth
HiFi Hard Money serves repeat investors who need speed, with closings measured in days and draw requests funded same-day. Eugene, Jay and Chu are described as partners who vet a deal's numbers upfront rather than just processing paperwork.
Pros
- Closings in days rather than weeks
- Deals analyzed against market comps before funding
- Same-day draw processing
- Long-term repeat relationships with investors
Services: mortgage loans
JD Hager, Mortgage Loan Officer - First Horizon Bank
Why it ranks fifth
JD Hager at First Horizon Bank holds a perfect 5.0 over 57 reviews, with clients and even fellow realtors and title agents noting he answers calls early mornings, nights and weekends. Reviewers mention a three-week close and rates that beat other lenders they compared.
Pros
- Available outside normal business hours
- Proactive updates without prompting
- Explains mortgage terms in plain language
- Competitive rates versus other lenders
Services: mortgage loans
Maria Leach | First United Mortgage Group
Why it ranks sixth
Maria Leach and her team, including Jordan, turn what's normally confusing paperwork into a clear process, with reviewers specifically praising how closing costs and rate options get explained without jargon. The 5.0 rating across 36 reviews leans heavily on patience with first-timers and refinancers alike.
Pros
- Clear explanations for first-time buyers
- Responsive communication and transparency
- Proactive with rate updates and preapprovals
- Detail-oriented through closing
Services: mortgage loans
Stonebriar Mortgage
Why it ranks seventh
Mike Owen's team at Stonebriar Mortgage is known for closing deals that bigger lenders can't, particularly for self-employed borrowers and unconventional credit histories, often faster than larger competitors. The 4.8 rating over 73 reviews reflects mostly strong outcomes, though it's worth reading the caveat below.
Pros
- Handles self-employed and complex credit cases
- Closes faster than major lenders
- Transparent rate comparisons
- Multi-year repeat clients
Watch out: One reviewer described missed pre-approval deadlines and an unprofessional tone after a deal fell through.
Services: mortgage loans
Supreme Lending Dallas - Tomlinson Team
Why it ranks eighth
The Tomlinson Team at Supreme Lending Dallas earns steady praise from realtors across DFW for on-time closings, often in 3-4 weeks, across conventional, VA, FHA, Jumbo and refinance loans. Zack Bishop and Jerry Tomlinson are named repeatedly as accessible and knowledgeable.
Pros
- Closings reported in 3-4 weeks
- Loan officers personally accessible
- Bilingual communication available
- Strong referral network among DFW realtors
Watch out: A couple of reviewers mentioned unsolicited follow-up calls and communication gaps from support staff.
Services: mortgage loans
Tatom Lending LLC
Why it ranks ninth
Tatom Lending holds a perfect 5.0 across 43 reviews, with Taylor Young, Kirk and Tom Waters singled out for walking clients through mortgages and refinances at a comfortable pace. The team's online application system and after-hours availability come up often in feedback.
Pros
- Decades of combined staff experience
- Online application speeds up processing
- Staff available outside regular hours
- Options tailored to each client's situation
Watch out: Review volume and recency are lower than the top-ranked names here, so treat this as a promising but smaller sample.
Services: mortgage loans, bad credit friendly
Source Capital Funding, Inc.
Why it ranks tenth
Source Capital Funding's two reviews both point to Sacha and William delivering straightforward communication and quick funding once documents are in, avoiding the delays reviewers associate with other hard-money lenders. It's an honest inclusion given the small sample.
Pros
- Transparent underwriting process
- Quick funding once docs are ready
Watch out: Only two reviews on record, so this is a promising but unproven track record so far.
Services: mortgage loans, personal loans, business loans
DFW Specialty Hard Money Lenders
Why it ranks #11
DFW Specialty Hard Money Lenders has a perfect 5.0 across 16 reviews spanning six years, with Cookie, Lonnie and Mireya consistently named for fast funding and terms that are actually explained upfront. It's a smaller pool of reviews but a consistent one over time.
Pros
- All five-star reviews over 6 years
- Transparent process and terms
- Fast, reliable funding
- Same staff named consistently across reviews
Watch out: Review volume is modest relative to the higher-ranked names on this list.
Services: mortgage loans
Guild Mortgage Company
Why it ranks #12
Guild Mortgage offers multiple loan programs and multi-state licensing, but the review record here is thin and weighted negative, including an acknowledged ACH processing error that the company declined to remedy. Worth a direct conversation about recent service before committing.
Pros
- Multiple loan programs available
- Licensed across multiple states
Watch out: An ACH error drained one customer's account for days and the company declined a goodwill remedy; another reviewer cited slow response times.
Services: mortgage loans
Pius Capital Group
Why it ranks #13
Pius Capital Group's two reviews, spread over three years, describe Kingsley and the team as professional and genuinely invested in outcomes. The sample is small, so this is more a name to ask around about than a data-backed lock.
Pros
- Dedicated, hands-on team
- Client-focused approach
Watch out: Only two reviews on file, both dated, so recent service quality is hard to confirm.
Services: mortgage loans
Business & Community Lenders (BCL) of Texas- Dallas
Why it ranks #14
BCL of Texas Dallas has a base of repeat customers who cite straightforward applications and fair rates, plus informative workshops. Recent reviews describe slower follow-up and delayed certificate delivery, so current wait times are worth confirming directly.
Pros
- Easy application process
- Reasonable interest rates
- Long-term customer relationships
- Informative workshops offered
Watch out: Recent reviews cite poor follow-up, long wait times and delayed certificate delivery.
Services: mortgage loans, business loans
Texas Farm Credit
Why it ranks #15
Texas Farm Credit fits buyers in rural or agricultural property, with Ryan Martin drawing specific praise for hands-on closing help and competitive rates with bonus dividends. Reviews are split, though, with some describing weeks of unresponsiveness from other staff.
Pros
- Ryan Martin's hands-on closing guidance
- Competitive rates with bonus dividends
Watch out: Several reviewers reported two-week response delays and confusion over which services are offered.
Services: mortgage loans