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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 Mortgage Company Lenders in Texas
Updated February 6, 2026
Market Overview
50
Total Lenders
276,457
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,122 | -0.789% | 2,479 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $731 | -0.467% | 1,237 | |
3 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | $1,005 | -0.135% | 743 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $796 | -0.194% | 2,761 | |
5 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Exceptional | $989 | -0.581% | 1,062 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,886 | +0.086% | 4,738 | |
8 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
9 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,640 | -0.126% | 945 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
14 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
15 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
16 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Exceptional | $1,799 | +0.095% | 781 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,066 | +0.215% | 7,909 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,075 | +0.465% | 5,244 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $3,840 | +0.504% | 2,225 | |
23 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
25 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Exceptional | $2,069 | +0.174% | 1,207 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,659 | +0.171% | 823 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,304 | +0.538% | 5,495 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
29 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
30 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | $3,572 | +0.430% | 2,173 | |
33 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,655 | +0.453% | 1,954 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,594 | +0.377% | 1,898 | |
35 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $5,219 | -0.277% | 1,888 | |
36 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $2,478 | +0.430% | 1,649 | |
37 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $3,859 | +0.153% | 1,554 | |
38 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | $3,565 | +0.232% | 1,443 | |
39 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
40 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
41 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,277 | +0.177% | 1,083 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,802 | +0.476% | 1,056 | |
43 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,038 | +0.158% | 900 | |
44 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | $3,958 | +0.340% | 796 | |
45 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $4,044 | +0.427% | 718 | |
46 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,636 | +0.364% | 1,555 | |
47 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,619 | +0.337% | 1,517 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,376 | +0.818% | 1,273 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,086 | +0.270% | 1,202 | |
50 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,868 | +0.068% | 897 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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