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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 VA 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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,122 | -0.789% | 2,479 | |
2 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,859 | +0.153% | 1,554 | |
3 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,640 | -0.126% | 945 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
6 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
7 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $731 | -0.467% | 1,237 | |
8 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
9 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $989 | -0.581% | 1,062 | |
10 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005 | -0.135% | 743 | |
11 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
13 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
15 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
16 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
17 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799 | +0.095% | 781 | |
18 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,066 | +0.215% | 7,909 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,886 | +0.086% | 4,738 | |
21 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,219 | -0.277% | 1,888 | |
22 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
23 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
24 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,868 | +0.068% | 897 | |
25 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
26 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
27 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,594 | +0.377% | 1,898 | |
28 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728 | +0.318% | 701 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,724 | +0.385% | 1,993 | |
32 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,304 | +0.538% | 5,495 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501 | +0.575% | 5,161 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,575 | +0.480% | 2,580 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.430% | 2,173 | |
42 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,478 | +0.430% | 1,649 | |
43 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,195 | +0.523% | 2,241 | |
44 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,655 | +0.453% | 1,954 | |
45 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,277 | +0.177% | 1,083 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,802 | +0.476% | 1,056 | |
47 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,659 | +0.171% | 823 | |
48 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,958 | +0.340% | 796 | |
49 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,268 | +0.650% | 762 | |
50 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,044 | +0.427% | 718 |
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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