Safe Rate Rankings

Best Bank Mortgage Lenders in Abilene

Updated February 5, 2026
⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
📊 HMDA 2024Built using publicly available originated loan data from the federal government.
🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.
Total Lenders6
Total Loans1,664
Median Rate Spread0.36%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
First Financial Bank, National AssociationBank
Strong
Acceptable
Exceptional
Exceptional
Exceptional
$1,248Fees
0.254%Above
440
2
Citizens Bank, National AssociationBank
Strong
Strong
Exceptional
Sound
Sound
$1,440Fees
0.169%Above
18
3
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Sound
$1,738Fees
0.102%Below
11
4
Renasant BankBank
Strong
Acceptable
Exceptional
Strong
Sound
$1,637Fees
0.606%Above
11
5
City BankBank
Strong
Acceptable
Strong
Sound
Strong
$1,553Fees
0.485%Above
80
6
USAA Federal Savings BankBank
Strong
Sound
Strong
Acceptable
Sound
$1,254Fees
0.057%Below
19

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 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)

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.