Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Corpus Christi

Updated February 5, 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 Lenders12
Total Loans4,055
Median Rate Spread0.30%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
U.S. Bank National AssociationBank
Exceptional
Strong
Exceptional
Strong
Sound
$10Credit
0.118%Above
22
2
Bank of America, National AssociationBank
Exceptional
Strong
Exceptional
Strong
Sound
$2,825Fees
0.129%Above
22
3
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Strong
$3,181Fees
0.129%Above
114
4
Wells Fargo Bank, National AssociationBank
Strong
Strong
Exceptional
Sound
Sound
$2,537Fees
0.156%Below
33
5
Frost BankBank
Strong
Exceptional
Sound
Sound
Sound
$239Fees
0.335%Below
22
6
Extraco Banks, National AssociationBank
Strong
Sound
Strong
Strong
Strong
$1,999Fees
0.188%Above
37
7
Gateway First BankBank
Strong
Acceptable
Exceptional
Strong
Strong
$3,755Fees
0.452%Above
54
8
Prosperity BankBank
Strong
Sound
Strong
Sound
Strong
$1,192Fees
0.251%Above
46
9
Flagstar Bank, N.A.Bank
Strong
Acceptable
Exceptional
Strong
Sound
$2,865Fees
0.461%Above
17
10
USAA Federal Savings BankBank
Strong
Sound
Strong
Acceptable
Sound
$2,040Fees
0.171%Below
32
11
CORNERSTONE CAPITAL BANK, SSBBank
Sound
Mediocre
Exceptional
Strong
Sound
$4,166Fees
0.042%Above
12
12
First National Bank TexasBank
Sound
Acceptable
Sound
Sound
Sound
$1,943Fees
0.256%Above
21

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.