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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 USDA Mortgage Company Lenders in Texas
Updated February 6, 2026
Market Overview
37
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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,122 | -0.789% | 2,479 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,559 | +0.137% | 28,295 | |
3 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,886 | +0.086% | 4,738 | |
5 | LENDLO MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
6 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,724 | +0.385% | 1,993 | |
7 | V.I.P. MORTGAGE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,277 | +0.177% | 1,083 | |
8 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
9 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
10 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
11 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,478 | +0.430% | 1,649 | |
12 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Sound | Exceptional | $1,574 | +0.762% | 1,364 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,048 | +0.203% | 5,576 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
19 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164 | +0.308% | 1,549 | |
20 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,856 | +0.392% | 1,478 | |
21 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,220 | +0.003% | 7,812 | |
22 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.818% | 1,273 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,480 | +0.437% | 6,671 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
25 | SFMC, LP | Strong | Acceptable | — | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,644 | +0.572% | 2,793 | |
27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,575 | +0.480% | 2,580 | |
28 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,195 | +0.523% | 2,241 | |
29 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,289 | +0.772% | 1,525 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,461 | +0.470% | 1,170 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,802 | +0.476% | 1,056 | |
32 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,044 | +0.427% | 718 | |
33 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $5,798 | +1.743% | 1,284 | |
34 | Synergy One Lending, Inc. | Sound | Acceptable | Sound | Sound | Strong | $4,517 | +0.428% | 721 | |
35 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | Strong | $4,752 | +0.738% | 813 | |
36 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Sound | Acceptable | Exceptional | $4,859 | +0.776% | 1,203 |
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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