# Best Mortgage Lenders in Killeen

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

Compare the top mortgage lenders in Killeen. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/killeen/best-mortgage-lenders


> **📋 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:** 77
- **Total Loans:** 6,513
- **Median Rate Spread:** 0.17413698630136987%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First National Bank Texas | 93 | 69 | 91 | 359 | Bank |
| 2 | FIRST CONTINENTAL MORTGAGE, LTD. | 86 | 99 | 79 | 108 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 324 | Independent Mortgage Company |
| 4 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 129 | Credit Union |
| 5 | Extraco Banks, National Association | 78 | 54 | 69 | 120 | Bank |
| 6 | TEXELL Credit Union | 78 | 80 | 41 | 79 | Credit Union |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 58 | Independent Mortgage Company |
| 8 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | 78 | 83 | 62 | 26 | Credit Union |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 963 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 358 | Independent Mortgage Company |
| 11 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 242 | Independent Mortgage Company |
| 12 | SWBC MORTGAGE CORPORATION | 74 | 34 | 86 | 233 | Independent Mortgage Company |
| 13 | Cadence Bank | 73 | 47 | 73 | 133 | Bank |
| 14 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 65 | Independent Mortgage Company |
| 15 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 54 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 68 | 34 | 70 | 603 | Independent Mortgage Company |
| 17 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 44 | Independent Mortgage Company |
| 18 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 42 | Bank |
| 19 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 33 | Independent Mortgage Company |
| 20 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 26 | Bank |
| 21 | UNIVERSITY Federal Credit Union | 66 | 45 | 65 | 22 | Credit Union |
| 22 | USAA Federal Savings Bank | 66 | 54 | 45 | 59 | Bank |
| 23 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 63 | 23 | 74 | 129 | Independent Mortgage Company |
| 24 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 84 | Independent Mortgage Company |
| 25 | LOWER, LLC | 63 | 30 | 71 | 82 | Independent Mortgage Company |
| 26 | PLAZA HOME MORTGAGE, INC. | 63 | 36 | 69 | 70 | Independent Mortgage Company |
| 27 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 57 | Independent Mortgage Company |
| 28 | Gateway First Bank | 63 | 29 | 79 | 50 | Bank |
| 29 | GUILD MORTGAGE COMPANY LLC | 62 | 25 | 83 | 42 | Independent Mortgage Company |
| 30 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 27 | Independent Mortgage Company |
| 31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 62 | 26 | 87 | 20 | Independent Mortgage Company |
| 32 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 44 | Independent Mortgage Company |
| 33 | PENTAGON FEDERAL CREDIT UNION | 60 | 48 | 42 | 22 | Credit Union |
| 34 | GoodLeap, LLC | 60 | 52 | 56 | 21 | Independent Mortgage Company |
| 35 | Flagstar Bank, N.A. | 58 | 40 | 76 | 42 | Bank |
| 36 | Equity Prime Mortgage LLC | 58 | 20 | 66 | 30 | Independent Mortgage Company |
| 37 | CORNERSTONE CAPITAL BANK, SSB | 58 | 23 | 79 | 28 | Bank |
| 38 | BOKF, National Association | 58 | 39 | 71 | 27 | Bank |
| 39 | Primis Mortgage Company | 58 | 32 | 66 | 26 | Independent Mortgage Company |
| 40 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 58 | 25 | 69 | 26 | Independent Mortgage Company |
| 41 | GUARANTEED RATE AFFINITY, LLC | 58 | 33 | 60 | 26 | Independent Mortgage Company |
| 42 | Plains Commerce Bank | 58 | 37 | 67 | 24 | Bank |
| 43 | NEWREZ LLC | 52 | 35 | 59 | 44 | Independent Mortgage Company |
| 44 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 43 | Independent Mortgage Company |
| 45 | CARRINGTON MORTGAGE SERVICES, LLC | 52 | 24 | 41 | 20 | Independent Mortgage Company |
| 46 | AMERICAN PACIFIC MORTGAGE CORPORATION | 49 | 14 | 84 | 33 | Independent Mortgage Company |
| 47 | Wolfe Financial, Inc | 46 | 16 | 49 | 67 | Independent Mortgage Company |
| 48 | ROYAL UNITED MORTGAGE LLC | 46 | 5 | 63 | 39 | Independent Mortgage Company |
| 49 | SECURITYNATIONAL MORTGAGE COMPANY | 46 | 10 | 68 | 21 | Independent Mortgage Company |
| 50 | SENTE MORTGAGE, INC. | 46 | 14 | 69 | 21 | 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 Killeen.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.