Safe Rate Rankings

Best VA Mortgage Lenders in Killeen

Updated May 22, 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 Lenders77

Total Loans6,513

Median Rate Spread0.17%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First National Bank TexasBank	Exceptional	Exceptional	Exceptional	Exceptional	Exceptional	$1,495Fees	0.161%Below	359
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,736Fees	0.336%Below	324
3	FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company	Exceptional	Exceptional	Strong	Exceptional	Strong	$494Fees	1.041%Below	108
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,349Fees	0.602%Below	129
5	Armed Forces Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$2,032Fees	0.168%Below	19
6	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,218Fees	0.100%Above	242
7	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,232Fees	0.054%Below	233
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,624Fees	0.002%Above	65
9	CORNERSTONE CAPITAL BANK, SSBBank	Exceptional	Strong	Exceptional	Exceptional	Sound	$4,638Fees	0.253%Above	28
10	USAA Federal Savings BankBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,759Fees	0.278%Below	59
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,271Fees	0.227%Above	58
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,149Fees	0.359%Below	44
13	GUARANTEED RATE, INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,369Fees	0.378%Below	33
14	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,128Fees	0.179%Above	26
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,541Fees	0.334%Above	963
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,703Fees	0.584%Above	358
17	Extraco Banks, National AssociationBank	Strong	Sound	Strong	Strong	Exceptional	$754Fees	0.082%Above	120
18	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,684Fees	0.056%Above	70
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,827Fees	0.518%Above	54
20	Gateway First BankBank	Strong	Sound	Exceptional	Strong	Strong	$3,763Fees	0.416%Above	50
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$3,307Fees	0.380%Above	27
22	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Exceptional	Sound	Sound	$1,827Fees	0.194%Above	22
23	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$810Fees	0.326%Above	603
24	Cadence BankBank	Strong	Sound	Strong	Strong	Strong	$2,195Fees	0.059%Below	133
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,350Fees	0.371%Above	44
26	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,321Fees	0.087%Above	44
27	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$1,690Fees	0.036%Above	42
28	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,391Fees	0.093%Above	24
29	First United Bank and Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$2,759Fees	0.396%Above	16
30	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,760Fees	0.668%Above	129
31	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,502Fees	0.626%Above	84
32	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,135Fees	0.496%Above	82
33	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,332Fees	0.495%Above	57
34	Primis Mortgage CompanyIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$4,144Fees	0.362%Above	26
35	LoanUnited.com, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,513Fees	0.183%Below	15
36	Wolfe Financial, IncIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,300Fees	0.382%Above	67
37	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,084Fees	0.422%Above	42
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,688Fees	0.179%Above	20
39	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,556Fees	0.361%Above	30
40	BOKF, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$3,134Fees	0.342%Above	27
41	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,627Fees	0.277%Above	26
42	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,659Fees	0.346%Above	20
43	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,806Fees	0.349%Above	33
44	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,789Fees	0.448%Above	43
45	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,011Fees	0.224%Above	21
46	SENTE MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,218Fees	0.527%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.