# Best Conventional Mortgage Bank Lenders in Austin

**As of:** 2026-05-24

Compare the top banks for Conventional loans in Austin.

> **Canonical URL:** https://saferate.com/austin/best-mortgage-lenders/banks/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 235
- **Total Loans:** 34,396
- **Median Rate Spread:** 0.20629955947136563%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Bank of America, National Association | 85 | 71 | 67 | 185 | Bank |
| 2 | U.S. Bank National Association | 85 | 75 | 69 | 183 | Bank |
| 3 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 784 | Bank |
| 4 | Cadence Bank | 79 | 48 | 71 | 208 | Bank |
| 5 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 193 | Bank |
| 6 | NBKC BANK | 79 | 90 | 49 | 84 | Bank |
| 7 | First United Bank and Trust Company | 75 | 38 | 64 | 525 | Bank |
| 8 | NexBank | 74 | 43 | 66 | 182 | Bank |
| 9 | VeraBank, National Association | 74 | 43 | 74 | 140 | Bank |
| 10 | Frost Bank | 73 | 91 | 43 | 91 | Bank |
| 11 | Flagstar Bank, N.A. | 71 | 34 | 72 | 198 | Bank |
| 12 | Plains Commerce Bank | 71 | 35 | 64 | 95 | Bank |
| 13 | Florida Capital Bank, National Association | 69 | 46 | 59 | 143 | Bank |
| 14 | Prosperity Bank | 69 | 45 | 57 | 86 | Bank |
| 15 | First Bank | 67 | 22 | 68 | 146 | Bank |
| 16 | USAA Federal Savings Bank | 63 | 53 | 27 | 94 | Bank |
| 17 | CORNERSTONE CAPITAL BANK, SSB | 60 | 20 | 74 | 235 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Austin.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.