# Best Conventional Mortgage Lenders in Dallas

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

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

> **Canonical URL:** https://saferate.com/dallas/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:** 327
- **Total Loans:** 73,925
- **Median Rate Spread:** 0.2932879746835443%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | 89 | 83 | 63 | 175 | Credit Union |
| 2 | PROVIDENT FUNDING ASSOCIATES, L.P. | 88 | 83 | 55 | 1,233 | Independent Mortgage Company |
| 3 | Bank of America, National Association | 85 | 71 | 67 | 677 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 631 | Bank |
| 5 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 1,968 | Bank |
| 6 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 1,855 | Independent Mortgage Company |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 40 | 74 | 1,138 | Independent Mortgage Company |
| 8 | PRIORITY HOME MORTGAGE, L.P. | 83 | 92 | 50 | 591 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 397 | Credit Union |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 6,943 | Independent Mortgage Company |
| 11 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 4,582 | Independent Mortgage Company |
| 12 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 461 | Bank |
| 13 | Cadence Bank | 79 | 48 | 71 | 345 | Bank |
| 14 | First Horizon Bank | 79 | 57 | 65 | 290 | Bank |
| 15 | BAY EQUITY LLC | 79 | 46 | 65 | 233 | Independent Mortgage Company |
| 16 | PLAZA HOME MORTGAGE, INC. | 79 | 43 | 63 | 163 | Independent Mortgage Company |
| 17 | BHOME MORTGAGE, LLC | 77 | 85 | 43 | 643 | Independent Mortgage Company |
| 18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 1,526 | Independent Mortgage Company |
| 19 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 1,326 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 1,267 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 1,139 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 75 | 39 | 65 | 979 | Independent Mortgage Company |
| 23 | LOWER, LLC | 75 | 33 | 66 | 910 | Independent Mortgage Company |
| 24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 75 | 20 | 68 | 837 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 75 | 24 | 60 | 669 | Independent Mortgage Company |
| 26 | First United Bank and Trust Company | 75 | 38 | 64 | 584 | Bank |
| 27 | First Financial Bank, National Association | 75 | 35 | 83 | 283 | Bank |
| 28 | VELOCIO MORTGAGE L.L.C. | 74 | 77 | 57 | 462 | Independent Mortgage Company |
| 29 | NexBank | 74 | 43 | 66 | 403 | Bank |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 360 | Independent Mortgage Company |
| 31 | JET HOMELOANS, LP | 74 | 53 | 65 | 300 | Independent Mortgage Company |
| 32 | HIGHLAND HOMELOANS, LLC | 74 | 42 | 65 | 231 | Independent Mortgage Company |
| 33 | MATTAMY HOME FUNDING, LLC | 74 | 55 | 63 | 184 | Independent Mortgage Company |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 167 | Independent Mortgage Company |
| 35 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 628 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 657 | Independent Mortgage Company |
| 37 | M/I FINANCIAL, LLC | 71 | 35 | 62 | 642 | Independent Mortgage Company |
| 38 | THE LOAN STORE, INC. | 71 | 39 | 71 | 417 | Independent Mortgage Company |
| 39 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 395 | Independent Mortgage Company |
| 40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 71 | 20 | 78 | 368 | Independent Mortgage Company |
| 41 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 355 | Independent Mortgage Company |
| 42 | Flagstar Bank, N.A. | 71 | 34 | 72 | 323 | Bank |
| 43 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 294 | Independent Mortgage Company |
| 44 | KIND LENDING, LLC | 71 | 31 | 66 | 288 | Independent Mortgage Company |
| 45 | SWBC MORTGAGE CORPORATION | 71 | 33 | 78 | 283 | Independent Mortgage Company |
| 46 | Gateway First Bank | 71 | 27 | 75 | 251 | Bank |
| 47 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 190 | Independent Mortgage Company |
| 48 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 70 | 175 | Independent Mortgage Company |
| 49 | Plains Commerce Bank | 71 | 35 | 64 | 170 | Bank |
| 50 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 156 | Independent Mortgage Company |

## 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. **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.