Safe Rate Rankings

Best VA 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.
Total Lenders50
Total Loans2,059
Median Rate Spread0.24%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Exceptional
Strong
Exceptional
Exceptional
Exceptional
$3,128Fees
0.015%Above
266
2
NAVY FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Exceptional
Sound
Sound
$1,344Fees
0.408%Below
25
3
CMG MORTGAGE, INC.Independent Mortgage Company
Exceptional
Sound
Exceptional
Exceptional
Strong
$3,949Fees
0.287%Above
73
4
City BankBank
Exceptional
Sound
Strong
Exceptional
Exceptional
$2,431Fees
0.489%Above
69
5
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Exceptional
Strong
Exceptional
Strong
Sound
$1,957Fees
0.057%Above
19
6
USAA Federal Savings BankBank
Strong
Strong
Exceptional
Sound
Sound
$1,775Fees
0.064%Above
16
7
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
Strong
$2,607Fees
0.479%Above
79
8
NEW FED MORTGAGE, CORP.Independent Mortgage Company
Strong
Acceptable
Strong
Exceptional
Exceptional
$3,870Fees
0.319%Above
64
9
PILGRIM MORTGAGE LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
Exceptional
$3,729Fees
0.342%Above
132
10
GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company
Sound
Mediocre
Strong
Exceptional
Sound
$5,487Fees
0.539%Above
16
11
Equity Prime Mortgage LLCIndependent Mortgage Company
Sound
Acceptable
Exceptional
Sound
Acceptable
$3,387Fees
0.528%Above
10

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.