Safe Rate Rankings

Best All Lender Mortgage Lenders in Beaumont

Updated May 22, 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 Lenders50

Total Loans2,561

Median Rate Spread0.45%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$280Fees	0.295%Below	35
2	MCT CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$877Fees	0.034%Below	54
3	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$6,082Fees	0.600%Above	65
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,987Fees	0.485%Above	319
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,860Fees	0.571%Above	237
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,637Fees	0.576%Above	184
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,004Fees	0.641%Above	109
8	Neches Federal Credit UnionCredit Union	Strong	Sound	Sound	Exceptional	$2,345Fees	0.067%Above	83
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,495Fees	0.408%Above	49
10	RAVE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Strong	$1,545Fees	0.151%Above	44
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,591Fees	0.202%Above	43
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,199Fees	0.157%Above	23
13	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,199Fees	0.840%Above	142
14	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$4,592Fees	0.554%Above	106
15	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Strong	$1,797Fees	0.496%Above	78
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,031Fees	0.408%Above	85
17	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,195Fees	0.885%Above	76
18	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,156Fees	0.747%Above	44
19	Gateway First BankBank	Strong	Acceptable	Strong	Strong	$4,234Fees	0.437%Above	40
20	City BankBank	Strong	Acceptable	Strong	Strong	$4,152Fees	0.500%Above	31
21	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$5,454Fees	0.101%Above	24
22	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,970Fees	0.446%Above	24
23	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,587Fees	0.772%Above	73
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,295Fees	0.517%Above	25
25	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,503Fees	1.207%Above	24
26	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,269Fees	0.762%Above	20
27	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,575Fees	0.649%Above	71
28	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,756Fees	0.850%Above	39
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,335Fees	1.030%Above	25

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.