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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 Conventional Mortgage Company Lenders in Austin
Updated February 5, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $379 | -0.220% | 287 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,381 | -1.022% | 265 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $1,346 | -0.730% | 276 | |
4 | AAXY L.L.C. | Exceptional | Exceptional | Sound | Strong | Strong | -$449 | -0.504% | 139 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
6 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $969 | -0.871% | 625 | |
7 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | Sound | Strong | Exceptional | $2,474 | -0.579% | 432 | |
8 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Sound | Sound | Strong | $1,084 | -0.380% | 135 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
12 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536 | +0.270% | 783 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,569 | -0.064% | 398 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
18 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $3,057 | -0.114% | 198 | |
19 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,748 | +0.170% | 169 | |
20 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
21 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Strong | Strong | Strong | $3,467 | -0.372% | 79 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
23 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $6,023 | -0.186% | 310 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,513 | +0.079% | 203 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.268% | 179 | |
30 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
33 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.098% | 124 | |
34 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,362 | +0.090% | 699 | |
35 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,109 | +0.219% | 298 | |
36 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,041 | +0.627% | 288 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,893 | +0.190% | 224 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,468 | +0.419% | 173 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,847 | +0.058% | 88 | |
40 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,133 | -0.587% | 80 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,886 | +0.536% | 242 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,864 | +0.490% | 102 | |
43 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,617 | -0.604% | 102 | |
44 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,109 | +0.172% | 101 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,199 | +0.289% | 93 | |
46 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,401 | +0.380% | 92 | |
47 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Acceptable | Strong | $2,474 | +0.248% | 71 | |
48 | CRESTMARK MORTGAGE COMPANY, LTD. | Sound | Acceptable | Sound | Sound | Strong | $3,915 | -0.504% | 121 | |
49 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $4,349 | +0.355% | 83 |
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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