Safe Rate Rankings

Best Jumbo Mortgage Bank Lenders in Dallas

Updated February 5, 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 Lenders15

Total Loans73,925

Median Rate Spread0.29%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,639Fees	0.113%Below	677
2	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,279Fees	0.072%Below	631
3	Wells Fargo Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$2,125Fees	0.097%Above	461
4	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,176Fees	0.050%Above	1,968
5	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Sound	Exceptional	$2,376Fees	0.363%Above	584
6	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,916Fees	0.050%Below	470
7	NexBankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,630Fees	0.268%Above	403
8	First Horizon BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,527Fees	0.151%Above	290
9	Prosperity BankBank	Strong	Acceptable	Exceptional	Sound	Strong	$984Fees	1.093%Above	275
10	First BankBank	Strong	Acceptable	Strong	Strong	Strong	$3,821Fees	0.255%Above	230
11	Cadence BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$2,583Fees	0.134%Above	345
12	The American National Bank of TexasBank	Strong	Acceptable	Strong	Sound	Strong	$4,264Fees	0.158%Above	246
13	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Sound	Strong	$3,163Fees	0.276%Above	167
14	Flagstar Bank, N.A.Bank	Sound	Mediocre	Exceptional	Sound	Strong	$2,486Fees	0.156%Above	323
15	First Financial Bank, National AssociationBank	Sound	Mediocre	Strong	Strong	Strong	$1,354Fees	0.586%Above	283

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.