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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 Jumbo 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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,092 | +0.102% | 2,264 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,765 | -0.085% | 2,075 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943 | -0.492% | 2,420 | |
4 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $445 | +0.281% | 2,390 | |
5 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,142 | -0.051% | 1,555 | |
6 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$320 | +0.052% | 849 | |
7 | Frost Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$219 | -0.379% | 703 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
9 | Amarillo National Bank | Exceptional | Strong | Sound | Exceptional | Exceptional | $1,156 | +0.154% | 838 | |
10 | RALLY CREDIT UNION | Exceptional | Exceptional | — | Sound | Exceptional | $798 | +0.354% | 797 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,559 | +0.137% | 28,295 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,996 | +0.409% | 21,383 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,537 | +0.100% | 8,821 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,048 | +0.203% | 5,576 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
17 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,164 | +0.308% | 1,549 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,220 | +0.003% | 7,812 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,594 | +0.377% | 1,898 | |
21 | JET HOMELOANS, LP | Strong | Strong | Sound | Strong | Strong | $2,640 | -0.126% | 945 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480 | +0.437% | 6,671 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
25 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,496 | +0.105% | 2,043 | |
26 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $3,378 | +0.070% | 1,015 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,868 | +0.068% | 897 | |
28 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Sound | Strong | Exceptional | $1,799 | +0.095% | 781 | |
29 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Sound | — | Strong | Exceptional | $1,069 | +0.479% | 761 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,933 | +0.427% | 2,838 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,644 | +0.572% | 2,793 | |
32 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,333 | +0.331% | 2,233 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,338 | +0.302% | 2,180 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
35 | Prosperity Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $995 | +0.619% | 1,353 | |
36 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,910 | +0.271% | 1,150 | |
37 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
38 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,517 | +0.428% | 721 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $1,886 | +0.086% | 4,738 | |
40 | SFMC, LP | Strong | Acceptable | Strong | Sound | Exceptional | $4,176 | +0.281% | 3,353 | |
41 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Exceptional | $4,575 | +0.480% | 2,580 | |
42 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,402 | +0.045% | 2,034 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,724 | +0.385% | 1,993 | |
44 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,655 | +0.453% | 1,954 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,619 | +0.337% | 1,517 | |
46 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,856 | +0.392% | 1,478 | |
47 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,565 | +0.232% | 1,443 | |
48 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,277 | +0.177% | 1,083 | |
49 | PILGRIM MORTGAGE LLC | Strong | Acceptable | — | Strong | Exceptional | $3,958 | +0.340% | 796 | |
50 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $3,802 | +0.476% | 1,056 |
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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