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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 Dallas
Updated February 5, 2026
Market Overview
327
Total Lenders
73,925
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,639 | -0.113% | 677 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,279 | -0.072% | 631 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,125 | +0.097% | 461 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015 | -0.517% | 397 | |
6 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $422 | -0.117% | 175 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,732 | +0.065% | 6,943 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,973 | +0.327% | 4,582 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176 | +0.050% | 1,968 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,727 | -0.062% | 1,526 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
12 | TEXAS MORTGAGE LENDING, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,086 | +0.150% | 265 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,721 | +0.006% | 628 | |
14 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,250 | +0.306% | 283 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.379% | 1,139 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,916 | +0.440% | 368 | |
18 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,908 | +0.268% | 237 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,393 | +0.388% | 910 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,364 | +0.163% | 669 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
22 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,376 | +0.363% | 584 | |
23 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $2,916 | -0.050% | 470 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
25 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,630 | +0.268% | 403 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
27 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.151% | 290 | |
28 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,623 | +0.356% | 193 | |
29 | SFMC, LP | Strong | Acceptable | Strong | Sound | Exceptional | $4,450 | +0.340% | 1,257 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,270 | +0.236% | 1,138 | |
31 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,695 | +0.445% | 1,083 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Exceptional | $4,872 | +0.320% | 837 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,612 | +0.542% | 386 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,164 | +0.350% | 288 | |
35 | Prosperity Bank | Strong | Acceptable | Exceptional | Sound | Strong | $984 | +1.093% | 275 | |
36 | First Bank | Strong | Acceptable | Strong | Strong | Strong | $3,821 | +0.255% | 230 | |
37 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,714 | +0.203% | 180 | |
38 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,376 | +0.453% | 1,549 | |
39 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,583 | +0.134% | 345 | |
40 | The American National Bank of Texas | Strong | Acceptable | Strong | Sound | Strong | $4,264 | +0.158% | 246 | |
41 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Strong | $3,163 | +0.276% | 167 | |
42 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,486 | +0.156% | 323 | |
43 | First Financial Bank, National Association | Sound | Mediocre | Strong | Strong | Strong | $1,354 | +0.586% | 283 | |
44 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | Strong | $4,964 | +0.571% | 173 |
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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