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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 Company Lenders in Houston
Updated February 5, 2026
Market Overview
24
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,942 | +0.220% | 8,636 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,083 | +0.390% | 5,725 | |
4 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,699 | +0.236% | 1,051 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,402 | +0.027% | 704 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,691 | +0.423% | 1,189 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
10 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,709 | +0.060% | 423 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,186 | +0.453% | 382 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
13 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,841 | +0.606% | 915 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $830 | -0.371% | 1,489 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,307 | +0.425% | 498 | |
18 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,052 | +0.945% | 238 | |
19 | CORNERSTONE MORTGAGE PROVIDERS, LLC | Sound | Acceptable | — | Sound | Strong | $3,094 | +0.517% | 211 | |
20 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,078 | +0.357% | 460 | |
21 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Sound | Acceptable | Strong | $3,586 | +0.413% | 231 | |
22 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Sound | Mediocre | Exceptional | $4,129 | +0.496% | 1,436 |
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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