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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Killeen

Updated February 5, 2026

Market Overview

Total Lenders

6,513

Total Loans

0.17%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	First National Bank Texas	Exceptional	Strong	Exceptional	Exceptional	$1,495	-0.161%	359
2	FIRST CONTINENTAL MORTGAGE, LTD.	Exceptional	Exceptional	Strong	Strong	$494	-1.041%	108
3	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Sound	Strong	$1,349	-0.602%	129
4	TEXELL Credit Union	Exceptional	Exceptional	Sound	Strong	$1,028	+0.274%	79
5	RANDOLPH-BROOKS FEDERAL CREDIT UNION	Exceptional	Exceptional	Strong	Sound	$871	+0.335%	26
6	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$2,736	-0.336%	324
7	Extraco Banks, National Association	Strong	Sound	Strong	Exceptional	$754	+0.082%	120
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	$1,271	+0.227%	58
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,541	+0.334%	963
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$3,703	+0.584%	358
11	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	$3,218	+0.100%	242
12	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	$2,232	-0.054%	233
13	Cadence Bank	Strong	Sound	Strong	Strong	$2,195	-0.059%	133
14	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Strong	$2,624	+0.002%	65
15	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$2,827	+0.518%	54
16	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$1,924	+0.210%	26
17	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Exceptional	$810	+0.326%	603
18	USAA Federal Savings Bank	Strong	Sound	Sound	Strong	$1,759	-0.278%	59
19	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Sound	$3,149	-0.359%	44
20	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	$1,778	+0.273%	42
21	GUARANTEED RATE, INC.	Strong	Sound	Strong	Sound	$1,369	-0.378%	33
22	UNIVERSITY Federal Credit Union	Strong	Sound	Strong	Sound	$3,185	+0.106%	22
23	MORTGAGE SOLUTIONS OF COLORADO, LLC	Strong	Acceptable	Strong	Strong	$1,760	+0.668%	129
24	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$3,502	+0.626%	84
25	LOWER, LLC	Strong	Acceptable	Strong	Strong	$4,135	+0.496%	82
26	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$2,684	+0.056%	70
27	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Strong	Strong	$3,332	+0.495%	57
28	Gateway First Bank	Strong	Acceptable	Strong	Strong	$3,763	+0.416%	50
29	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Sound	$2,350	+0.371%	44
30	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Sound	$4,084	+0.422%	42
31	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	$3,307	+0.380%	27
32	PENTAGON FEDERAL CREDIT UNION	Strong	Sound	Sound	Sound	$1,827	+0.194%	22
33	GoodLeap, LLC	Strong	Sound	Sound	Sound	$3,334	-0.015%	21
34	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Sound	$3,688	+0.179%	20
35	Flagstar Bank, N.A.	Sound	Acceptable	Strong	Sound	$1,690	+0.036%	42
36	Equity Prime Mortgage LLC	Sound	Acceptable	Strong	Sound	$2,556	+0.361%	30
37	CORNERSTONE CAPITAL BANK, SSB	Sound	Acceptable	Strong	Sound	$4,638	+0.253%	28
38	BOKF, National Association	Sound	Acceptable	Strong	Sound	$3,134	+0.342%	27
39	GUARANTEED RATE AFFINITY, LLC	Sound	Acceptable	Strong	Sound	$1,128	+0.179%	26
40	Primis Mortgage Company	Sound	Acceptable	Strong	Sound	$4,144	+0.362%	26
41	AMERICAN PORTFOLIO MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	$2,627	+0.277%	26
42	Plains Commerce Bank	Sound	Acceptable	Strong	Sound	$3,391	+0.093%	24
43	NEWREZ LLC	Sound	Acceptable	Sound	Sound	$1,321	+0.087%	44
44	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Sound	$3,789	+0.448%	43
45	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Sound	$4,806	+0.349%	33
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Sound	Sound	$2,659	+0.346%	20
47	Wolfe Financial, Inc	Sound	Mediocre	Sound	Strong	$2,300	+0.382%	67
48	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	$3,225	+1.943%	39
49	SENTE MORTGAGE, INC.	Sound	Mediocre	Strong	Sound	$4,218	+0.527%	21
50	SECURITYNATIONAL MORTGAGE COMPANY	Sound	Mediocre	Strong	Sound	$4,011	+0.224%	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

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