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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Lenders in Austin
Updated February 5, 2026
Market Overview
235
Total Lenders
34,396
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $326 | +0.171% | 418 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,582 | -0.076% | 193 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,640 | -0.155% | 185 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $595 | -0.106% | 183 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $817 | -0.487% | 137 | |
6 | Frost Bank | Exceptional | Exceptional | Strong | Strong | Strong | -$311 | -0.471% | 91 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,008 | -0.010% | 2,666 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,150 | +0.269% | 1,422 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,355 | -0.003% | 784 | |
12 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | — | Strong | Exceptional | $2,474 | -0.579% | 432 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,569 | -0.064% | 398 | |
14 | TEXAS MORTGAGE LENDING, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,474 | +0.248% | 71 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,040 | -0.074% | 270 | |
17 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,562 | +0.098% | 124 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536 | +0.270% | 783 | |
19 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $3,524 | +0.040% | 755 | |
20 | VeraBank, National Association | Strong | Sound | Strong | Strong | Strong | $1,080 | +0.591% | 140 | |
21 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,109 | +0.172% | 101 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,847 | +0.058% | 88 | |
23 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,900 | +0.237% | 525 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
25 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $3,623 | +0.162% | 235 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
27 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,812 | +0.151% | 182 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
29 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,362 | +0.090% | 699 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,665 | +0.355% | 188 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,468 | +0.419% | 173 | |
32 | Prosperity Bank | Strong | Acceptable | Exceptional | Sound | Strong | $1,416 | +0.340% | 86 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $1,639 | +0.080% | 295 | |
34 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,309 | -0.119% | 208 | |
35 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $3,886 | +0.536% | 242 | |
36 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,371 | +0.171% | 198 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $4,864 | +0.490% | 102 | |
38 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,821 | +1.256% | 71 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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