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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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,763 | +0.241% | 177 | |
2 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,996 | +0.271% | 81 | |
3 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,160 | +0.708% | 236 | |
4 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,876 | +0.174% | 97 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,019 | +0.674% | 80 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $2,283 | -0.174% | 10 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,472 | +0.521% | 84 | |
8 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,385 | +0.973% | 41 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,967 | +0.430% | 22 | |
10 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $4,467 | +0.179% | 15 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,277 | +0.305% | 20 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,987 | +0.109% | 19 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,828 | +0.099% | 77 | |
14 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,959 | +0.148% | 11 | |
15 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $5,694 | +1.319% | 10 | |
16 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,060 | +0.546% | 60 | |
17 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,949 | +0.637% | 35 | |
18 | International Bank of Commerce | Sound | Acceptable | Sound | Sound | Strong | $1,824 | +0.626% | 16 | |
19 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Sound | Sound | $4,594 | +0.556% | 17 | |
20 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $4,237 | +0.865% | 22 | |
21 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Sound | Sound | Sound | $6,609 | +0.562% | 19 |
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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Laredo, TXConventional
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