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Texas Mortgage Lending

Independent Mortgage Company•Austin, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Texas Mortgage Lending — 487 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Single State · 6 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

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Report Card

Texas Mortgage Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.5 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume402
Mix82.5%
Spread
+0.217%Above
Fees
$2,078Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume42
Mix8.6%
Spread
+0.434%Above
Fees
$2,027Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume38
Mix7.8%
Spread
-0.188%Below
Fees
$2,514Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Acceptable
Volume331
Mix68.0%
Spread
+0.183%Above
Fees
$1,954Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume156
Mix32.0%
Spread
+0.252%Above
Fees
$2,411Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
487
Applications
1,032
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.205%
vs. market APOR
Avg Net Fees
$2,095
Origination − Credits
Pullthrough Rate
47.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$387,464
Avg Borrower Income
$175,994
Avg Property Value
$513,789

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
TX

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 265Mix 54.41% of portfolio
80/100
Strong
2© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 71Mix 14.58% of portfolio
67/100
Strong
3© Billy Hathorn · CC BY-SA 3.0
Longview, TXMetro
Volume 24Mix 4.93% of portfolio
60/100
Sound
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 35Mix 7.19% of portfolio
57/100
Sound
5© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 18Mix 3.70% of portfolio
45/100
Sound
6© Billy Hathorn · CC BY-SA 3.0
Tyler, TXMetro
Volume 10Mix 2.05% of portfolio
43/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 487Mix 100.00% of portfolio
78/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.