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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 Company Lenders in Texas
Updated February 6, 2026
Market Overview
43
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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,559 | +0.137% | 28,295 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,996 | +0.409% | 21,383 | |
4 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,048 | +0.203% | 5,576 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
7 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,164 | +0.308% | 1,549 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,220 | +0.003% | 7,812 | |
9 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,594 | +0.377% | 1,898 | |
11 | JET HOMELOANS, LP | Strong | Strong | Sound | Strong | Strong | $2,640 | -0.126% | 945 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480 | +0.437% | 6,671 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,868 | +0.068% | 897 | |
16 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Sound | Strong | Exceptional | $1,799 | +0.095% | 781 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,933 | +0.427% | 2,838 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,644 | +0.572% | 2,793 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,338 | +0.302% | 2,180 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
21 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
22 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,517 | +0.428% | 721 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $1,886 | +0.086% | 4,738 | |
24 | SFMC, LP | Strong | Acceptable | Strong | Sound | Exceptional | $4,176 | +0.281% | 3,353 | |
25 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Exceptional | $4,575 | +0.480% | 2,580 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,724 | +0.385% | 1,993 | |
27 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,655 | +0.453% | 1,954 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,619 | +0.337% | 1,517 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,856 | +0.392% | 1,478 | |
30 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,565 | +0.232% | 1,443 | |
31 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,277 | +0.177% | 1,083 | |
32 | PILGRIM MORTGAGE LLC | Strong | Acceptable | — | Strong | Exceptional | $3,958 | +0.340% | 796 | |
33 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,346 | +0.608% | 3,449 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $3,802 | +0.476% | 1,056 | |
35 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $2,659 | +0.171% | 823 | |
36 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | Exceptional | $4,755 | +0.438% | 1,417 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $4,461 | +0.470% | 1,170 | |
38 | WILLOW BEND MORTGAGE COMPANY, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,074 | +0.501% | 802 | |
39 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Acceptable | Exceptional | $4,859 | +0.776% | 1,203 | |
40 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,086 | +0.270% | 1,202 | |
41 | SOUTHWEST FUNDING, LP | Sound | Mediocre | — | Strong | Strong | $4,752 | +0.738% | 813 | |
42 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Sound | Mediocre | Exceptional | $4,195 | +0.523% | 2,241 |
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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