Safe Rate Rankings

Best Conventional Mortgage Lenders in Brownsville

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 Lenders57

Total Loans2,577

Median Rate Spread0.48%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	RALLY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$832Fees	0.294%Above	92
2	COMMUNITY DEVELOPMENT CORPORATION OF BROWNSVILLEIndependent Mortgage Company	Exceptional	Exceptional	Sound	Exceptional	Exceptional	$1,496Fees	0.090%Above	52
3	RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,397Fees	0.096%Above	11
4	SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$464Credit	0.105%Above	46
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$509Fees	0.322%Below	22
6	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,404Fees	0.008%Below	15
7	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,430Fees	0.116%Above	145
8	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,578Fees	0.010%Below	32
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,145Fees	0.248%Above	205
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,659Fees	0.570%Above	179
11	Bank of America, National AssociationBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,857Fees	0.041%Below	10
12	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,439Fees	0.418%Above	135
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,619Fees	0.741%Above	99
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,557Fees	0.446%Above	86
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,024Fees	0.816%Above	22
16	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,917Fees	0.038%Above	16
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$4,347Fees	0.002%Above	65
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,323Fees	0.860%Above	56
19	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,856Fees	0.147%Above	50
20	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,219Fees	0.589%Above	48
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,672Fees	0.505%Above	43
22	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,466Fees	0.432%Above	37
23	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,411Fees	0.440%Above	34
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,592Fees	0.035%Above	22
25	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,207Fees	0.864%Above	21
26	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$3,927Fees	0.247%Above	12
27	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,428Fees	0.671%Above	126
28	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,447Fees	0.351%Above	24
29	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$4,224Fees	0.715%Above	23
30	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,188Fees	0.729%Above	18
31	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,267Fees	0.706%Above	17
32	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,996Fees	0.441%Above	15
33	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,846Fees	1.048%Above	15
34	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,782Fees	0.218%Above	14
35	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,397Fees	1.079%Above	12
36	WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,929Fees	0.377%Above	50
37	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,973Fees	0.532%Above	47
38	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,594Fees	0.261%Above	37
39	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,894Fees	0.838%Above	19
40	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,833Fees	0.609%Above	16
41	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Exceptional	$4,808Fees	0.856%Above	126
42	STONEWOOD HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	Exceptional	$4,966Fees	0.299%Above	53
43	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$5,064Fees	0.847%Above	46
44	SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,998Fees	0.762%Above	23
45	Synergy One Lending, Inc.Independent Mortgage Company	Sound	Acceptable	Strong	Strong	Acceptable	$2,821Fees	0.414%Above	10
46	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,201Fees	1.445%Above	19
47	International Bank of CommerceBank	Sound	Acceptable	Sound	Sound	Sound	$1,021Fees	0.692%Above	12
48	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Acceptable	$3,710Fees	0.600%Above	10
49	DIRECTIONS EQUITY, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$1,559Fees	0.321%Above	47
50	Lone Star National BankBank	Sound	Mediocre	Sound	Sound	Strong	$4,028Fees	0.561%Above	31

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.