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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 VA Mortgage Company Lenders in Killeen
Updated February 5, 2026
Market Overview
34
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,736 | -0.336% | 324 | |
2 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $494 | -1.041% | 108 | |
3 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,218 | +0.100% | 242 | |
4 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,232 | -0.054% | 233 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,624 | +0.002% | 65 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,271 | +0.227% | 58 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,149 | -0.359% | 44 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,369 | -0.378% | 33 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,128 | +0.179% | 26 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,541 | +0.334% | 963 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,703 | +0.584% | 358 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,684 | +0.056% | 70 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,827 | +0.518% | 54 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,307 | +0.380% | 27 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $810 | +0.326% | 603 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $1,321 | +0.087% | 44 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,350 | +0.371% | 44 | |
18 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,760 | +0.668% | 129 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,502 | +0.626% | 84 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,135 | +0.496% | 82 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,332 | +0.495% | 57 | |
22 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,144 | +0.362% | 26 | |
23 | LoanUnited.com, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,513 | -0.183% | 15 | |
24 | Wolfe Financial, Inc | Strong | Acceptable | Strong | Strong | Strong | $2,300 | +0.382% | 67 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,084 | +0.422% | 42 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,688 | +0.179% | 20 | |
27 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,556 | +0.361% | 30 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $2,627 | +0.277% | 26 | |
29 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,659 | +0.346% | 20 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,806 | +0.349% | 33 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,789 | +0.448% | 43 | |
32 | SENTE MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,218 | +0.527% | 21 | |
33 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | 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 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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