Safe Rate Rankings

Best Conventional 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.

Market

Total Lenders30

Total Loans1,664

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$692Fees	0.336%Below	15
2	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,248Fees	0.254%Above	440
3	ABILENE TEACHERS Federal Credit UnionCredit Union	Strong	Strong	Sound	Strong	Strong	$456Fees	0.763%Above	76
4	Citizens Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,440Fees	0.169%Above	18
5	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,631Fees	0.257%Above	230
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,558Fees	0.017%Above	81
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,551Fees	0.471%Above	78
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,163Fees	0.538%Above	32
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,738Fees	0.102%Below	11
10	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,585Fees	0.335%Above	51
11	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,079Fees	0.625%Above	69
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,077Fees	0.677%Above	35
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,205Fees	0.553%Above	21
14	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,634Fees	0.366%Above	20
15	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,527Fees	0.563%Above	15
16	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,637Fees	0.606%Above	11
17	City BankBank	Strong	Acceptable	Strong	Sound	Strong	$1,553Fees	0.485%Above	80
18	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,254Fees	0.057%Below	19
19	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,624Fees	0.659%Above	34
20	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,893Fees	0.451%Above	22
21	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,579Fees	0.955%Above	14
22	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$3,721Fees	0.749%Above	60

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.