Safe Rate Rankings

Best Jumbo 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.
Total Lenders15
Total Loans348,941
Median Rate Spread0.32%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Wells Fargo Bank, National AssociationBank
Exceptional
Exceptional
Exceptional
Strong
Exceptional
$2,092Fees
0.102%Above
2,264
2
Bank of America, National AssociationBank
Exceptional
Exceptional
Exceptional
Strong
Exceptional
$1,765Fees
0.085%Below
2,075
3
U.S. Bank National AssociationBank
Exceptional
Exceptional
Exceptional
Strong
Strong
$1,142Fees
0.051%Below
1,555
4
Frost BankBank
Exceptional
Exceptional
Strong
Strong
Exceptional
$219Credit
0.379%Below
703
5
Amarillo National BankBank
Exceptional
Strong
Sound
Exceptional
Exceptional
$1,156Fees
0.154%Above
838
6
JPMorgan Chase Bank, National AssociationBank
Exceptional
Sound
Exceptional
Strong
Exceptional
$2,537Fees
0.100%Above
8,821
7
CORNERSTONE CAPITAL BANK, SSBBank
Strong
Acceptable
Exceptional
Strong
Exceptional
$3,496Fees
0.105%Above
2,043
8
First United Bank and Trust CompanyBank
Strong
Acceptable
Exceptional
Sound
Exceptional
$2,333Fees
0.331%Above
2,233
9
Prosperity BankBank
Strong
Acceptable
Exceptional
Sound
Exceptional
$995Fees
0.619%Above
1,353
10
NexBankBank
Strong
Acceptable
Exceptional
Strong
Strong
$2,910Fees
0.271%Above
1,150
11
Cadence BankBank
Strong
Mediocre
Exceptional
Strong
Exceptional
$2,402Fees
0.045%Above
2,034
12
Flagstar Bank, N.A.Bank
Strong
Mediocre
Exceptional
Sound
Exceptional
$2,696Fees
0.252%Above
2,694
13
First Financial Bank, National AssociationBank
Strong
Mediocre
Strong
Strong
Exceptional
$1,387Fees
0.482%Above
2,119
14
City BankBank
Sound
Mediocre
Strong
Sound
Exceptional
$2,430Fees
0.357%Above
855
15
Gateway First BankBank
Sound
Mediocre
Sound
Acceptable
Exceptional
$3,700Fees
0.465%Above
2,008

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.