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Safe Rate's TrueRank Guarantee
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 Conventional Mortgage Company Lenders in Killeen
Updated February 5, 2026
Market Overview
31
Total Lenders
6,513
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,703 | +0.584% | 358 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,736 | -0.336% | 324 | |
3 | FIRST CONTINENTAL MORTGAGE, LTD. | Strong | Exceptional | Acceptable | Sound | Strong | $494 | -1.041% | 108 | |
4 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,684 | +0.056% | 70 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,271 | +0.227% | 58 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,827 | +0.518% | 54 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,541 | +0.334% | 963 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218 | +0.100% | 242 | |
9 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,232 | -0.054% | 233 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,350 | +0.371% | 44 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,502 | +0.626% | 84 | |
12 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,135 | +0.496% | 82 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,624 | +0.002% | 65 | |
14 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,332 | +0.495% | 57 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,149 | -0.359% | 44 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $810 | +0.326% | 603 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,084 | +0.422% | 42 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,369 | -0.378% | 33 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,307 | +0.380% | 27 | |
20 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,334 | -0.015% | 21 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,321 | +0.087% | 44 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,789 | +0.448% | 43 | |
23 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,128 | +0.179% | 26 | |
24 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,144 | +0.362% | 26 | |
25 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,627 | +0.277% | 26 | |
26 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Sound | Strong | $2,300 | +0.382% | 67 | |
27 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $3,225 | +1.943% | 39 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $2,659 | +0.346% | 20 | |
29 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Sound | $4,011 | +0.224% | 21 | |
30 | SENTE MORTGAGE, INC. | Sound | Mediocre | Sound | Sound | Sound | $4,218 | +0.527% | 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.
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