# Best Conventional Mortgage Lenders in College Station

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in College Station. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/college-station/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 50
- **Total Loans:** 2,059
- **Median Rate Spread:** 0.24180851063829786%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 266 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 133 | Independent Mortgage Company |
| 3 | First Financial Bank, National Association | 80 | 35 | 83 | 89 | Bank |
| 4 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 73 | Bank |
| 5 | Extraco Banks, National Association | 79 | 55 | 66 | 60 | Bank |
| 6 | Truist Bank | 79 | 71 | 69 | 17 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 25 | Credit Union |
| 8 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 54 | Independent Mortgage Company |
| 9 | VeraBank, National Association | 74 | 43 | 74 | 39 | Bank |
| 10 | Amarillo National Bank | 74 | 70 | 77 | 15 | Bank |
| 11 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 24 | Bank |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 12 | Independent Mortgage Company |
| 13 | PILGRIM MORTGAGE LLC | 71 | 22 | 69 | 132 | Independent Mortgage Company |
| 14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 79 | Independent Mortgage Company |
| 15 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 73 | Independent Mortgage Company |
| 16 | NEW FED MORTGAGE, CORP. | 71 | 30 | 67 | 64 | Independent Mortgage Company |
| 17 | Flagstar Bank, N.A. | 71 | 34 | 72 | 50 | Bank |
| 18 | Prosperity Bank | 69 | 45 | 57 | 26 | Bank |
| 19 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 15 | Independent Mortgage Company |
| 20 | City Bank | 66 | 31 | 57 | 69 | Bank |
| 21 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 26 | Independent Mortgage Company |
| 22 | THE LOAN STORE, INC. | 66 | 39 | 71 | 21 | Independent Mortgage Company |
| 23 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 20 | Independent Mortgage Company |
| 24 | SWBC MORTGAGE CORPORATION | 66 | 33 | 78 | 18 | Independent Mortgage Company |
| 25 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 16 | Independent Mortgage Company |
| 26 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 14 | Independent Mortgage Company |
| 27 | Paramount Residential Mortgage Group, Inc. | 66 | 24 | 60 | 13 | Independent Mortgage Company |
| 28 | Gateway First Bank | 66 | 27 | 75 | 13 | Bank |
| 29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 12 | Independent Mortgage Company |
| 30 | KIND LENDING, LLC | 66 | 31 | 66 | 11 | Independent Mortgage Company |
| 31 | NEWREZ LLC | 62 | 31 | 58 | 16 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 15 | Independent Mortgage Company |
| 33 | Guaranty Bank & Trust, N.A. | 60 | 51 | 60 | 17 | Bank |
| 34 | T2 FINANCIAL LLC | 60 | 26 | 77 | 10 | Independent Mortgage Company |
| 35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 60 | 26 | 76 | 10 | Independent Mortgage Company |
| 36 | GREATER TEXAS FEDERAL CREDIT UNION | 58 | 58 | 35 | 26 | Credit Union |
| 37 | USAA Federal Savings Bank | 58 | 53 | 27 | 16 | Bank |
| 38 | Wallick & Volk, Inc. | 57 | 16 | 76 | 43 | Independent Mortgage Company |
| 39 | GARDNER FINANCIAL SERVICES, LTD. | 53 | 14 | 65 | 16 | Independent Mortgage Company |
| 40 | CORNERSTONE CAPITAL BANK, SSB | 50 | 20 | 74 | 10 | Bank |
| 41 | NETWORK FUNDING, L.P. | 49 | N/A | 40 | 16 | Independent Mortgage Company |
| 42 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 12 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within College Station.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.