# Best Conventional Mortgage Lenders in Austin

**As of:** 2026-05-20

Compare the top Conventional mortgage lenders in Austin. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/austin/best-mortgage-lenders/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 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | 95 | 83 | 63 | 418 | Credit Union |
| 2 | Bank of America, National Association | 85 | 71 | 67 | 185 | Bank |
| 3 | U.S. Bank National Association | 85 | 75 | 69 | 183 | Bank |
| 4 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 1,028 | Independent Mortgage Company |
| 5 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 784 | Bank |
| 6 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 287 | Independent Mortgage Company |
| 7 | PRIORITY HOME MORTGAGE, L.P. | 83 | 92 | 50 | 265 | Independent Mortgage Company |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 137 | Credit Union |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 2,666 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,422 | Independent Mortgage Company |
| 11 | VELOCIO MORTGAGE L.L.C. | 79 | 77 | 57 | 625 | Independent Mortgage Company |
| 12 | HOME FINANCING UNLIMITED, INC. | 79 | 73 | 70 | 432 | Independent Mortgage Company |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 295 | Independent Mortgage Company |
| 14 | Cadence Bank | 79 | 48 | 71 | 208 | Bank |
| 15 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 193 | Bank |
| 16 | BAY EQUITY LLC | 79 | 46 | 65 | 179 | Independent Mortgage Company |
| 17 | AAXY L.L.C. | 79 | 98 | 67 | 139 | Independent Mortgage Company |
| 18 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 127 | Independent Mortgage Company |
| 19 | NBKC BANK | 79 | 90 | 49 | 84 | Bank |
| 20 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 1,568 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 783 | Independent Mortgage Company |
| 22 | First United Bank and Trust Company | 75 | 38 | 64 | 525 | Bank |
| 23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 398 | Independent Mortgage Company |
| 24 | PARKSTONE MORTGAGE, LLC | 75 | 95 | 38 | 276 | Independent Mortgage Company |
| 25 | V.I.P. MORTGAGE, INC. | 75 | 29 | 82 | 106 | Independent Mortgage Company |
| 26 | JET HOMELOANS, LP | 74 | 53 | 65 | 198 | Independent Mortgage Company |
| 27 | NexBank | 74 | 43 | 66 | 182 | Bank |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 169 | Independent Mortgage Company |
| 29 | VeraBank, National Association | 74 | 43 | 74 | 140 | Bank |
| 30 | HIGHLAND HOMELOANS, LLC | 74 | 42 | 65 | 79 | Independent Mortgage Company |
| 31 | UNIVERSITY Federal Credit Union | 73 | 43 | 57 | 755 | Credit Union |
| 32 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 270 | Independent Mortgage Company |
| 33 | SOUTHERN LENDING SERVICES, LTD. | 73 | 85 | 46 | 135 | Independent Mortgage Company |
| 34 | Frost Bank | 73 | 91 | 43 | 91 | Bank |
| 35 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 328 | Independent Mortgage Company |
| 36 | M/I FINANCIAL, LLC | 71 | 35 | 62 | 310 | Independent Mortgage Company |
| 37 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 286 | Independent Mortgage Company |
| 38 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 216 | Independent Mortgage Company |
| 39 | Flagstar Bank, N.A. | 71 | 34 | 72 | 198 | Bank |
| 40 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 188 | Independent Mortgage Company |
| 41 | LOWER, LLC | 71 | 33 | 66 | 188 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 179 | Independent Mortgage Company |
| 43 | KIND LENDING, LLC | 71 | 31 | 66 | 171 | Independent Mortgage Company |
| 44 | THE LOAN STORE, INC. | 71 | 39 | 71 | 166 | Independent Mortgage Company |
| 45 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 150 | Independent Mortgage Company |
| 46 | SWBC MORTGAGE CORPORATION | 71 | 33 | 78 | 124 | Independent Mortgage Company |
| 47 | Plains Commerce Bank | 71 | 35 | 64 | 95 | Bank |
| 48 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 203 | Independent Mortgage Company |
| 49 | Florida Capital Bank, National Association | 69 | 46 | 59 | 143 | Bank |
| 50 | Prosperity Bank | 69 | 45 | 57 | 86 | 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.