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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 Lenders in Houston
Updated February 5, 2026
Market Overview
340
Total Lenders
84,242
Total Loans
0.34%
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 | Exceptional | $1,583 | -0.155% | 788 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $904 | -0.429% | 486 | |
3 | GULF COAST EDUCATORS FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,348 | +0.059% | 283 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,680 | -0.112% | 640 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,139 | -0.060% | 361 | |
6 | AMOCO | Exceptional | Exceptional | Sound | Sound | Exceptional | $806 | -0.358% | 294 | |
7 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $753 | -0.011% | 176 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,418 | +0.108% | 2,453 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $830 | -0.371% | 1,489 | |
11 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,407 | -0.043% | 926 | |
12 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,272 | +0.095% | 581 | |
13 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Strong | $851 | -0.244% | 340 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
16 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $983 | +0.448% | 523 | |
17 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,151 | -0.652% | 487 | |
18 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
19 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $1,688 | -0.126% | 277 | |
20 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,813 | +0.149% | 189 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,691 | +0.423% | 1,189 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,699 | +0.236% | 1,051 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,811 | +0.277% | 1,033 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,402 | +0.027% | 704 | |
27 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,256 | +0.148% | 506 | |
28 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,625 | +0.169% | 329 | |
29 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,470 | -0.387% | 307 | |
30 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,208 | +0.694% | 287 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
32 | NexBank | Strong | Sound | Strong | Strong | Strong | $3,419 | +0.305% | 209 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
34 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,166 | -0.193% | 843 | |
35 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,976 | +0.454% | 586 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
39 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,307 | +0.425% | 498 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,629 | +0.413% | 495 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
42 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,374 | +0.467% | 345 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.444% | 297 | |
46 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,756 | +0.287% | 237 | |
47 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,987 | +0.291% | 226 | |
48 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,754 | +0.308% | 212 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,048 | +0.624% | 199 | |
50 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,945 | +0.411% | 184 |
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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