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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 Mortgage Lenders in Texas
Updated February 6, 2026
Market Overview
575
Total Lenders
348,941
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,122 | -0.789% | 2,479 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $445 | +0.281% | 2,390 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $731 | -0.467% | 1,237 | |
4 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,177 | +0.165% | 832 | |
5 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | $1,005 | -0.135% | 743 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $796 | -0.194% | 2,761 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $943 | -0.492% | 2,420 | |
8 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Exceptional | $989 | -0.581% | 1,062 | |
9 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | -$320 | +0.052% | 849 | |
10 | Amarillo National Bank | Exceptional | Strong | Exceptional | Exceptional | $1,156 | +0.154% | 838 | |
11 | Texas Tech Federal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $1,615 | +0.232% | 812 | |
12 | RALLY CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $798 | +0.354% | 797 | |
13 | First National Bank Texas | Exceptional | Strong | Exceptional | Exceptional | $1,886 | +0.002% | 750 | |
14 | Frost Bank | Exceptional | Exceptional | Sound | Exceptional | -$219 | -0.379% | 703 | |
15 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,765 | -0.085% | 2,075 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,886 | +0.086% | 4,738 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $2,092 | +0.102% | 2,264 | |
19 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,142 | -0.051% | 1,555 | |
20 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
21 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,640 | -0.126% | 945 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,537 | +0.100% | 8,821 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
27 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,402 | +0.045% | 2,034 | |
28 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
29 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Exceptional | $3,378 | +0.070% | 1,015 | |
30 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
31 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Exceptional | $1,799 | +0.095% | 781 | |
32 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,069 | +0.479% | 761 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,066 | +0.215% | 7,909 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,075 | +0.465% | 5,244 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $3,840 | +0.504% | 2,225 | |
39 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | $1,387 | +0.482% | 2,119 | |
40 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
41 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
42 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Exceptional | $2,069 | +0.174% | 1,207 | |
43 | NexBank | Strong | Sound | Strong | Strong | $2,910 | +0.271% | 1,150 | |
44 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,659 | +0.171% | 823 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,304 | +0.538% | 5,495 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
47 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
48 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $2,696 | +0.252% | 2,694 | |
50 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $2,333 | +0.331% | 2,233 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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