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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 Company Lenders in Texas
Updated February 6, 2026
Market Overview
50
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $796 | -0.194% | 2,761 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $731 | -0.467% | 1,237 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $989 | -0.581% | 1,062 | |
4 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,005 | -0.135% | 743 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,886 | +0.086% | 4,738 | |
7 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,122 | -0.789% | 2,479 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,030 | -0.034% | 2,630 | |
11 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,069 | +0.174% | 1,207 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,659 | +0.171% | 823 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480 | +0.437% | 6,671 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,048 | +0.203% | 5,576 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,439 | +0.092% | 3,217 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
21 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,575 | +0.480% | 2,580 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.430% | 2,173 | |
26 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164 | +0.308% | 1,549 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,856 | +0.392% | 1,478 | |
28 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,277 | +0.177% | 1,083 | |
29 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,640 | -0.126% | 945 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,644 | +0.572% | 2,793 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,594 | +0.377% | 1,898 | |
32 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,219 | -0.277% | 1,888 | |
33 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,478 | +0.430% | 1,649 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
35 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
36 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
37 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,802 | +0.476% | 1,056 | |
39 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,038 | +0.158% | 900 | |
40 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,958 | +0.340% | 796 | |
41 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,044 | +0.427% | 718 | |
42 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,728 | +0.318% | 701 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,304 | +0.538% | 5,495 | |
44 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $4,195 | +0.523% | 2,241 | |
45 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,724 | +0.385% | 1,993 | |
46 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,655 | +0.453% | 1,954 | |
47 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,859 | +0.153% | 1,554 | |
48 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,565 | +0.232% | 1,443 | |
49 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,242 | +0.541% | 763 | |
50 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,517 | +0.428% | 721 |
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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