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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 Mortgage Lenders in Laredo
Updated February 5, 2026
Market Overview
36
Total Lenders
1,680
Total Loans
0.49%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,763 | +0.241% | 177 | |
2 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $3,255 | -0.074% | 180 | |
3 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,160 | +0.708% | 236 | |
4 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $3,996 | +0.271% | 81 | |
5 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $3,876 | +0.174% | 97 | |
6 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,472 | +0.521% | 84 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,019 | +0.674% | 80 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $4,409 | +0.517% | 30 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,967 | +0.430% | 22 | |
10 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,563 | +0.499% | 52 | |
11 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,190 | +0.649% | 49 | |
12 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $4,386 | +0.751% | 43 | |
13 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $4,385 | +0.973% | 41 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,085 | +0.496% | 28 | |
15 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,828 | +0.099% | 77 | |
16 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Exceptional | $4,060 | +0.546% | 60 | |
17 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $3,942 | +0.677% | 45 | |
18 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $3,949 | +0.637% | 35 | |
19 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,237 | +0.865% | 22 | |
20 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,277 | +0.305% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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