# Best Bank Mortgage Lenders in Dallas

**As of:** 2026-05-25

Compare the top banks offering mortgages in Dallas. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/dallas/best-mortgage-lenders/banks


> **📋 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:** 327
- **Total Loans:** 73,925
- **Median Rate Spread:** 0.2932879746835443%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Bank of America, National Association | 80 | 73 | 75 | 677 | Bank |
| 2 | U.S. Bank National Association | 80 | 75 | 71 | 631 | Bank |
| 3 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 1,968 | Bank |
| 4 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 461 | Bank |
| 5 | NexBank | 73 | 41 | 66 | 403 | Bank |
| 6 | Cadence Bank | 73 | 47 | 73 | 345 | Bank |
| 7 | First Horizon Bank | 73 | 49 | 68 | 290 | Bank |
| 8 | First United Bank and Trust Company | 68 | 36 | 72 | 584 | Bank |
| 9 | Independent Bank | 68 | 35 | 64 | 301 | Bank |
| 10 | First Financial Bank, National Association | 68 | 39 | 87 | 283 | Bank |
| 11 | CORNERSTONE CAPITAL BANK, SSB | 63 | 23 | 79 | 470 | Bank |
| 12 | Flagstar Bank, N.A. | 63 | 40 | 76 | 323 | Bank |
| 13 | Gateway First Bank | 63 | 29 | 79 | 251 | Bank |
| 14 | First Bank | 63 | 25 | 69 | 230 | Bank |
| 15 | Plains Commerce Bank | 63 | 37 | 67 | 170 | Bank |
| 16 | Sunflower Bank, National Association | 63 | 35 | 71 | 167 | Bank |
| 17 | Prosperity Bank | 58 | 42 | 37 | 275 | Bank |
| 18 | The American National Bank of Texas | 58 | 30 | 52 | 246 | Bank |
| 19 | TexasBank | 54 | 9 | 66 | 440 | 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 Dallas.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.