Safe Rate Rankings

Best Bank Mortgage Lenders in Texas

Updated February 6, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders19

Total Loans54,560

Median Rate Spread0.25%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Amarillo National BankBank	Exceptional	Strong	Exceptional	Exceptional	$1,156Fees	0.154%Above	838
2	First National Bank TexasBank	Exceptional	Strong	Exceptional	Exceptional	$1,886Fees	0.002%Above	750
3	Frost BankBank	Exceptional	Exceptional	Sound	Exceptional	$219Credit	0.379%Below	703
4	Bank of America, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,765Fees	0.085%Below	2,075
5	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$2,092Fees	0.102%Above	2,264
6	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$1,142Fees	0.051%Below	1,555
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,537Fees	0.100%Above	8,821
8	Cadence BankBank	Strong	Sound	Strong	Exceptional	$2,402Fees	0.045%Above	2,034
9	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	$1,387Fees	0.482%Above	2,119
10	NexBankBank	Strong	Sound	Strong	Strong	$2,910Fees	0.271%Above	1,150
11	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Exceptional	$2,696Fees	0.252%Above	2,694
12	First United Bank and Trust CompanyBank	Strong	Acceptable	Strong	Exceptional	$2,333Fees	0.331%Above	2,233
13	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Acceptable	Strong	Exceptional	$3,496Fees	0.105%Above	2,043
14	Gateway First BankBank	Strong	Acceptable	Strong	Exceptional	$3,700Fees	0.465%Above	2,008
15	Prosperity BankBank	Strong	Sound	Acceptable	Exceptional	$995Fees	0.619%Above	1,353
16	USAA Federal Savings BankBank	Strong	Sound	Sound	Strong	$1,839Fees	0.126%Below	1,164
17	City BankBank	Strong	Acceptable	Strong	Exceptional	$2,430Fees	0.357%Above	855
18	Plains Commerce BankBank	Strong	Acceptable	Strong	Strong	$2,903Fees	0.292%Above	927
19	TexasBankBank	Sound	Mediocre	Strong	Exceptional	$3,058Fees	1.276%Above	1,050

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.