Safe Rate Rankings

Best Conventional Mortgage 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.

Market

Total Lenders64

Total Loans4,055

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	RALLY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$818Fees	0.333%Above	376
2	RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	Strong	$974Fees	0.079%Above	71
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$430Fees	0.452%Below	103
4	SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$719Fees	0.083%Below	39
5	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$4,138Fees	0.168%Below	12
6	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$10Credit	0.118%Above	22
7	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,825Fees	0.129%Above	22
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,128Fees	0.187%Above	308
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,822Fees	0.434%Above	280
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$3,181Fees	0.129%Above	114
11	GULF COAST FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Exceptional	Strong	$1,690Fees	0.233%Above	45
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,537Fees	0.156%Below	33
13	Frost BankBank	Strong	Exceptional	Sound	Sound	Sound	$239Fees	0.335%Below	22
14	Extraco Banks, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$1,999Fees	0.188%Above	37
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,225Fees	0.468%Above	30
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,526Fees	0.779%Above	158
17	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,624Fees	0.909%Above	111
18	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,162Fees	0.090%Below	95
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,223Fees	0.259%Above	70
20	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,004Fees	0.313%Above	66
21	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,259Fees	0.717%Above	60
22	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$3,755Fees	0.452%Above	54
23	Prosperity BankBank	Strong	Sound	Strong	Sound	Strong	$1,192Fees	0.251%Above	46
24	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,956Fees	0.165%Above	33
25	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$3,050Fees	0.177%Above	10
26	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,457Fees	0.586%Above	51
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,695Fees	0.681%Above	41
28	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,384Fees	0.603%Above	38
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,440Fees	0.555%Above	36
30	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,117Fees	0.508%Above	31
31	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,720Fees	0.429%Above	28
32	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,978Fees	0.596%Above	26
33	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$2,865Fees	0.461%Above	17
34	UNIVERSITY Federal Credit UnionCredit Union	Strong	Sound	Strong	Sound	Sound	$3,053Fees	0.518%Above	13
35	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,845Fees	0.427%Above	11
36	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,319Fees	0.051%Above	11
37	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,819Fees	0.311%Above	11
38	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,730Fees	0.507%Above	138
39	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$5,205Fees	0.648%Above	136
40	WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,738Fees	0.543%Above	97
41	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,040Fees	0.171%Below	32
42	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,591Fees	0.332%Above	30
43	LEGEND LENDING CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	Strong	$1,800Fees	0.526%Above	54
44	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,893Fees	1.137%Above	41
45	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,068Fees	0.419%Above	15
46	LOANPEOPLE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$4,851Fees	0.445%Above	13
47	CORNERSTONE CAPITAL BANK, SSBBank	Sound	Mediocre	Exceptional	Strong	Sound	$4,166Fees	0.042%Above	12
48	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)

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.