Safe Rate Rankings

Best Jumbo Mortgage Bank Lenders in Austin

Updated May 30, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,582Fees	0.076%Below	193
2	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,640Fees	0.155%Below	185
3	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$595Fees	0.106%Below	183
4	Frost BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$311Credit	0.471%Below	91
5	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,355Fees	0.003%Below	784
6	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,080Fees	0.591%Above	140
7	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,900Fees	0.237%Above	525
8	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,623Fees	0.162%Above	235
9	NexBankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,812Fees	0.151%Above	182
10	Prosperity BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$1,416Fees	0.340%Above	86
11	Cadence BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$2,309Fees	0.119%Below	208
12	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$2,371Fees	0.171%Above	198

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.