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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in College Station
Updated February 5, 2026
Market Overview
50
Total Lenders
2,059
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,344 | -0.408% | 25 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,063 | +0.075% | 17 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,128 | +0.015% | 266 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,998 | +0.511% | 133 | |
5 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,256 | +0.430% | 89 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,128 | +0.096% | 73 | |
7 | Extraco Banks, National Association | Strong | Sound | Strong | Strong | Exceptional | $1,518 | -0.028% | 60 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,387 | +0.138% | 24 | |
9 | Amarillo National Bank | Strong | Strong | Strong | Strong | Sound | $690 | +0.197% | 15 | |
10 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,785 | +0.187% | 54 | |
11 | VeraBank, National Association | Strong | Sound | Strong | Strong | Strong | $1,149 | +0.245% | 39 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,695 | +0.317% | 12 | |
13 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,729 | +0.342% | 132 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,607 | +0.479% | 79 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,949 | +0.287% | 73 | |
16 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Exceptional | $3,870 | +0.319% | 64 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,860 | +0.229% | 50 | |
18 | Prosperity Bank | Strong | Sound | Strong | Sound | Strong | $1,082 | +0.280% | 26 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,971 | +0.176% | 15 | |
20 | City Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,431 | +0.489% | 69 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,672 | +0.317% | 26 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,006 | +0.213% | 21 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,208 | +0.286% | 20 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,027 | +0.293% | 18 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,986 | +0.445% | 16 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,642 | +0.371% | 14 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,592 | +0.269% | 13 | |
28 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,103 | +0.628% | 13 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,855 | +0.260% | 12 | |
30 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,044 | +0.488% | 11 | |
31 | GREATER TEXAS FEDERAL CREDIT UNION | Strong | Sound | Sound | Acceptable | Strong | $932 | +0.036% | 26 | |
32 | Guaranty Bank & Trust, N.A. | Strong | Sound | Sound | Sound | Sound | $1,927 | +0.274% | 17 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,596 | +0.399% | 16 | |
34 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,775 | +0.064% | 16 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,650 | +0.534% | 15 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,916 | +0.580% | 10 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | -$1,690 | +0.489% | 10 | |
38 | Wallick & Volk, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,005 | +0.544% | 43 | |
39 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Sound | $5,487 | +0.539% | 16 | |
40 | CORNERSTONE CAPITAL BANK, SSB | Sound | Mediocre | Exceptional | Strong | Acceptable | $3,862 | +0.718% | 10 | |
41 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $6,898 | +0.582% | 12 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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