Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,344Fees	0.408%Below	25
2	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,063Fees	0.075%Above	17
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,128Fees	0.015%Above	266
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,998Fees	0.511%Above	133
5	First Financial Bank, National AssociationBank	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,256Fees	0.430%Above	89
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,128Fees	0.096%Above	73
7	Extraco Banks, National AssociationBank	Strong	Sound	Strong	Strong	Exceptional	$1,518Fees	0.028%Below	60
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,387Fees	0.138%Above	24
9	Amarillo National BankBank	Strong	Strong	Strong	Strong	Sound	$690Fees	0.197%Above	15
10	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,785Fees	0.187%Above	54
11	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,149Fees	0.245%Above	39
12	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,695Fees	0.317%Above	12
13	PILGRIM MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,729Fees	0.342%Above	132
14	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,607Fees	0.479%Above	79
15	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,949Fees	0.287%Above	73
16	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$3,870Fees	0.319%Above	64
17	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,860Fees	0.229%Above	50
18	Prosperity BankBank	Strong	Sound	Strong	Sound	Strong	$1,082Fees	0.280%Above	26
19	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,971Fees	0.176%Above	15
20	City BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$2,431Fees	0.489%Above	69
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,672Fees	0.317%Above	26
22	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,006Fees	0.213%Above	21
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,208Fees	0.286%Above	20
24	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,027Fees	0.293%Above	18
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,986Fees	0.445%Above	16
26	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,642Fees	0.371%Above	14
27	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,592Fees	0.269%Above	13
28	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,103Fees	0.628%Above	13
29	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,855Fees	0.260%Above	12
30	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,044Fees	0.488%Above	11
31	GREATER TEXAS FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Acceptable	Strong	$932Fees	0.036%Above	26
32	Guaranty Bank & Trust, N.A.Bank	Strong	Sound	Sound	Sound	Sound	$1,927Fees	0.274%Above	17
33	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,596Fees	0.399%Above	16
34	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,775Fees	0.064%Above	16
35	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,650Fees	0.534%Above	15
36	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$1,690Credit	0.489%Above	10
37	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,916Fees	0.580%Above	10
38	Wallick & Volk, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$3,005Fees	0.544%Above	43
39	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$5,487Fees	0.539%Above	16
40	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Acceptable	$3,862Fees	0.718%Above	10
41	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$6,898Fees	0.582%Above	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)

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.