Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	MCT CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$877Fees	0.034%Below	54
2	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Strong	$280Fees	0.295%Below	35
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$494Fees	0.417%Below	16
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,987Fees	0.485%Above	319
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,637Fees	0.576%Above	184
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,591Fees	0.202%Above	43
7	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,199Fees	0.157%Above	23
8	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,860Fees	0.571%Above	237
9	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,199Fees	0.840%Above	142
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,004Fees	0.641%Above	109
11	Neches Federal Credit UnionCredit Union	Strong	Sound	Sound	Strong	Exceptional	$2,345Fees	0.067%Above	83
12	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,797Fees	0.496%Above	78
13	RAVE FINANCIAL CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Strong	$1,545Fees	0.151%Above	44
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,074Fees	0.697%Above	18
15	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$4,592Fees	0.554%Above	106
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,031Fees	0.408%Above	85
17	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$4,234Fees	0.437%Above	40
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,081Fees	0.268%Above	14
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,295Fees	0.517%Above	25
20	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,454Fees	0.101%Above	24
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,970Fees	0.446%Above	24
22	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,269Fees	0.762%Above	20
23	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,001Fees	0.248%Above	17
24	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,883Fees	0.349%Above	12
25	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,556Fees	0.596%Above	11
26	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,587Fees	0.772%Above	73
27	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,575Fees	0.649%Above	71
28	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$6,082Fees	0.600%Above	65
29	American Mortgage Bank, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,156Fees	0.747%Above	44
30	City BankBank	Strong	Acceptable	Strong	Sound	Strong	$4,152Fees	0.500%Above	31
31	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,335Fees	1.030%Above	25
32	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,250Fees	0.380%Above	18
33	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$713Fees	0.038%Below	16
34	RADIUS FINANCIAL GROUP INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,341Fees	0.649%Above	14
35	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,456Fees	1.079%Above	16
36	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$9,689Fees	1.065%Above	19
37	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$2,756Fees	0.850%Above	39
38	OPEN MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Acceptable	Sound	$2,620Fees	0.559%Above	17

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.