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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $445 | +0.281% | 2,390 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $796 | -0.194% | 2,761 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943 | -0.492% | 2,420 | |
4 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,177 | +0.165% | 832 | |
5 | RALLY CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $798 | +0.354% | 797 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,765 | -0.085% | 2,075 | |
7 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $731 | -0.467% | 1,237 | |
8 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | -$320 | +0.052% | 849 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,092 | +0.102% | 2,264 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,142 | -0.051% | 1,555 | |
11 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $989 | -0.581% | 1,062 | |
12 | Amarillo National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,156 | +0.154% | 838 | |
13 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,005 | -0.135% | 743 | |
14 | Frost Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | -$219 | -0.379% | 703 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,537 | +0.100% | 8,821 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,886 | +0.086% | 4,738 | |
18 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,122 | -0.789% | 2,479 | |
19 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,402 | +0.045% | 2,034 | |
20 | Texas Tech Federal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,615 | +0.232% | 812 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,030 | -0.034% | 2,630 | |
24 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,387 | +0.482% | 2,119 | |
25 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,069 | +0.174% | 1,207 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
27 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,659 | +0.171% | 823 | |
28 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,069 | +0.479% | 761 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480 | +0.437% | 6,671 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,048 | +0.203% | 5,576 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,439 | +0.092% | 3,217 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
37 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,696 | +0.252% | 2,694 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,575 | +0.480% | 2,580 | |
39 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,333 | +0.331% | 2,233 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.430% | 2,173 | |
43 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,700 | +0.465% | 2,008 | |
44 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164 | +0.308% | 1,549 | |
45 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,856 | +0.392% | 1,478 | |
46 | Prosperity Bank | Strong | Sound | Strong | Sound | Exceptional | $995 | +0.619% | 1,353 | |
47 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,910 | +0.271% | 1,150 | |
48 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,277 | +0.177% | 1,083 | |
49 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $3,378 | +0.070% | 1,015 | |
50 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,640 | -0.126% | 945 |
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.
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