Safe Rate Rankings

Best All Lender Mortgage Lenders in College Station

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 Loans2,059

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,128Fees	0.015%Above	266
2	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$1,344Fees	0.408%Below	25
3	Extraco Banks, National AssociationBank	Strong	Sound	Strong	Exceptional	$1,518Fees	0.028%Below	60
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,998Fees	0.511%Above	133
5	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	$1,256Fees	0.430%Above	89
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,128Fees	0.096%Above	73
7	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	$1,149Fees	0.245%Above	39
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,387Fees	0.138%Above	24
9	PILGRIM MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,729Fees	0.342%Above	132
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,607Fees	0.479%Above	79
11	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,949Fees	0.287%Above	73
12	City BankBank	Strong	Acceptable	Strong	Exceptional	$2,431Fees	0.489%Above	69
13	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,870Fees	0.319%Above	64
14	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,785Fees	0.187%Above	54
15	Wallick & Volk, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,005Fees	0.544%Above	43
16	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$1,860Fees	0.229%Above	50
17	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,672Fees	0.317%Above	26
18	Prosperity BankBank	Strong	Sound	Acceptable	Strong	$1,082Fees	0.280%Above	26
19	GREATER TEXAS FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Acceptable	Strong	$932Fees	0.036%Above	26
20	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,006Fees	0.213%Above	21
21	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,208Fees	0.286%Above	20

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.