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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 VA Mortgage Lenders in Texas
Updated February 6, 2026
Market Overview
575
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 | First National Bank Texas | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,886 | +0.002% | 750 | |
3 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,859 | +0.153% | 1,554 | |
4 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
5 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,640 | -0.126% | 945 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943 | -0.492% | 2,420 | |
8 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,496 | +0.105% | 2,043 | |
9 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
10 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $731 | -0.467% | 1,237 | |
11 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
12 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $989 | -0.581% | 1,062 | |
13 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005 | -0.135% | 743 | |
14 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
15 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
16 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,030 | -0.034% | 2,630 | |
18 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
19 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
20 | Amarillo National Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,156 | +0.154% | 838 | |
21 | Texas Tech Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,615 | +0.232% | 812 | |
22 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799 | +0.095% | 781 | |
23 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,537 | +0.100% | 8,821 | |
24 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,066 | +0.215% | 7,909 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,886 | +0.086% | 4,738 | |
27 | First Financial Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,387 | +0.482% | 2,119 | |
28 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,219 | -0.277% | 1,888 | |
29 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,142 | -0.051% | 1,555 | |
30 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
31 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
32 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,868 | +0.068% | 897 | |
33 | ALLIANCE CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,177 | +0.165% | 832 | |
34 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
35 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,696 | +0.252% | 2,694 | |
36 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,333 | +0.331% | 2,233 | |
37 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
38 | Gateway First Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,700 | +0.465% | 2,008 | |
39 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,594 | +0.377% | 1,898 | |
40 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,839 | -0.126% | 1,164 | |
41 | City Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,430 | +0.357% | 855 | |
42 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728 | +0.318% | 701 | |
43 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
45 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,402 | +0.045% | 2,034 | |
46 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,724 | +0.385% | 1,993 | |
47 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
50 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Strong | Exceptional | $3,378 | +0.070% | 1,015 |
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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