Safe Rate Rankings

Best All Lender Mortgage Lenders in Austin

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders235

Total Loans34,396

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	VELOCIO MORTGAGE L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Exceptional	$969Fees	0.871%Below	625
2	RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$326Fees	0.171%Above	418
3	PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	$1,381Fees	1.022%Below	265
4	PARKSTONE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Sound	Exceptional	$1,346Fees	0.730%Below	276
5	AAXY L.L.C.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$449Credit	0.504%Below	139
6	SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company	Exceptional	Exceptional	Strong	Strong	$1,084Fees	0.380%Below	135
7	HOME FINANCING UNLIMITED, INC.Independent Mortgage Company	Exceptional	Strong	Strong	Exceptional	$2,474Fees	0.579%Below	432
8	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$379Fees	0.220%Below	287
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$817Fees	0.487%Below	137
10	Frost BankBank	Exceptional	Exceptional	Sound	Strong	$311Credit	0.471%Below	91
11	NBKC BANKBank	Exceptional	Exceptional	Sound	Strong	$824Fees	0.155%Below	84
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,008Fees	0.010%Below	2,666
13	JET HOMELOANS, LPIndependent Mortgage Company	Strong	Strong	Strong	Strong	$3,057Fees	0.114%Below	198
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,640Fees	0.155%Below	185
15	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$595Fees	0.106%Below	183
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,875Fees	0.259%Below	1,028
17	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,355Fees	0.003%Below	784
18	UNIVERSITY Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	$3,524Fees	0.040%Above	755
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,639Fees	0.080%Above	295
20	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Strong	$2,582Fees	0.076%Below	193
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,690Fees	0.155%Below	1,568
22	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,150Fees	0.269%Above	1,422
23	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,536Fees	0.270%Above	783
24	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,569Fees	0.064%Below	398
25	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,041Fees	0.627%Above	288
26	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,040Fees	0.074%Below	270
27	Cadence BankBank	Strong	Sound	Strong	Strong	$2,309Fees	0.119%Below	208
28	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,513Fees	0.079%Above	203
29	NexBankBank	Strong	Sound	Strong	Strong	$2,812Fees	0.151%Above	182
30	BAY EQUITY LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,493Fees	0.098%Above	179
31	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$1,951Fees	0.005%Below	150
32	Florida Capital Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,160Fees	0.024%Above	143
33	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	$1,080Fees	0.591%Above	140
34	LOANPEOPLE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,362Fees	0.090%Above	699
35	First United Bank and Trust CompanyBank	Strong	Acceptable	Strong	Exceptional	$1,900Fees	0.237%Above	525
36	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,230Fees	0.293%Above	328
37	M/I FINANCIAL, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$6,023Fees	0.186%Below	310
38	SFMC, LPIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,400Fees	0.150%Below	304
39	CLM MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,109Fees	0.219%Above	298
40	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,883Fees	0.150%Above	286
41	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,748Fees	0.170%Above	169
42	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,562Fees	0.098%Above	124
43	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,191Fees	0.101%Below	106
44	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,617Fees	0.604%Below	102
45	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$2,597Fees	0.217%Below	94
46	HIGHLAND HOMELOANS, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$3,467Fees	0.372%Below	79
47	AmplifyCredit Union	Strong	Sound	Sound	Strong	$2,358Fees	0.125%Above	75
48	TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$2,474Fees	0.248%Above	71
49	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,300Fees	1.249%Above	266
50	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Strong	$3,623Fees	0.162%Above	235

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.