Safe Rate Rankings

Best Conventional Mortgage Bank 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 Loans348,941

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,765Fees	0.085%Below	2,075
2	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,092Fees	0.102%Above	2,264
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,142Fees	0.051%Below	1,555
4	Amarillo National BankBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,156Fees	0.154%Above	838
5	Frost BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$219Credit	0.379%Below	703
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,537Fees	0.100%Above	8,821
7	Cadence BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,402Fees	0.045%Above	2,034
8	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,387Fees	0.482%Above	2,119
9	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,696Fees	0.252%Above	2,694
10	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,333Fees	0.331%Above	2,233
11	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,700Fees	0.465%Above	2,008
12	Prosperity BankBank	Strong	Sound	Strong	Sound	Exceptional	$995Fees	0.619%Above	1,353
13	NexBankBank	Strong	Sound	Strong	Strong	Strong	$2,910Fees	0.271%Above	1,150
14	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,903Fees	0.292%Above	927
15	CORNERSTONE CAPITAL BANK, SSBBank	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,496Fees	0.105%Above	2,043
16	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,839Fees	0.126%Below	1,164
17	City BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$2,430Fees	0.357%Above	855
18	First National Bank TexasBank	Strong	Acceptable	Sound	Sound	Exceptional	$1,886Fees	0.002%Above	750
19	TexasBankBank	Sound	Mediocre	Strong	Sound	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.