Safe Rate Rankings

Best Conventional Mortgage Lenders in Lubbock

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders47

Total Loans3,938

Median Rate Spread0.30%

Lubbock Market Insights

Alliance Credit Union is Safe Rate's top-ranked Conventional lender in Lubbock, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Lubbock, Alliance Credit Union and Amarillo National Bank scores highest on Conventional pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Lubbock, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Lubbock: Rocket Mortgage (#6) and Texas Tech Federal Credit Union (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Lubbock

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ALLIANCE CREDIT UNION Credit UnionDirect	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,203Fees	0.178%Above	584
2	Texas Tech Federal Credit Union Credit UnionDirect	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,704Fees	0.232%Above	589
3	FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Strong	$2,098Fees	0.585%Above	95
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,467Fees	0.162%Above	140
5	Amarillo National Bank BankDirect	Strong	Strong	Strong	Strong	Strong	$951Fees	0.142%Above	56
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$3,542Fees	0.606%Above	193
7	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Exceptional	$1,602Fees	0.132%Above	262
8	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,980Fees	0.256%Above	480
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,971Fees	0.080%Above	46
10	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$4,136Fees	0.476%Above	89
11	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,414Fees	0.580%Above	154
12	First United Bank BankDirect	Strong	Sound	Sound	Strong	Strong	$2,022Fees	0.171%Above	78
13	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,057Fees	0.420%Above	113
14	American National Bank & Trust BankDirect	Strong	Sound	Strong	Exceptional	Sound	$503Fees	0.198%Above	20
15	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$4,668Fees	0.754%Above	73
16	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,966Fees	0.171%Below	45
17	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Sound	$1,729Fees	0.032%Above	16
18	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,371Fees	0.616%Above	36
19	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Sound	$1,647Fees	0.190%Above	22
20	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$1,966Fees	0.497%Above	13
21	Prosperity Bank BankDirect	Strong	Sound	Strong	Sound	Strong	$1,014Fees	0.120%Above	52
22	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,550Fees	0.479%Above	19
23	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,815Fees	0.253%Above	13
24	City Bank BankDirect	Sound	Acceptable	Strong	Sound	Exceptional	$2,091Fees	0.420%Above	158
25	Centennial Bank BankDirect	Sound	Sound	Strong	Sound	Sound	$1,551Fees	0.609%Above	36
26	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Exceptional	Sound	Sound	$2,399Fees	0.044%Below	19
27	Gateway First Bank BankDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,225Fees	0.016%Below	11
28	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$3,512Fees	0.577%Above	38
29	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	Sound	$2,558Fees	0.628%Above	21
30	AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Strong	Sound	$1,201Fees	0.153%Above	13
31	NexBank BankWholesale	Sound	Sound*	Strong	Strong	Sound	$1,913Fees	0.285%Above	12
32	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	Sound	$4,134Fees	0.074%Below	12
33	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	Sound	$2,138Fees	0.016%Above	29
34	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	Sound	$2,624Fees	0.049%Above	11
35	HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,255Fees	0.350%Above	11
36	USAA Federal Savings Bank BankDirect	Sound	Sound	Strong	Acceptable	Sound	$1,051Fees	0.181%Below	20
37	THE MORTGAGE LINK, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	Sound	$2,700Fees	0.827%Above	12
38	ROYAL UNITED MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	Sound	—	—	18
39	HOMETRUST MORTGAGE COMPANY Independent Mortgage CompanyDirect	Sound	Mediocre	Sound	Sound	Sound	$2,516Fees	0.466%Above	24
40	CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect	Acceptable	Acceptable	Strong	Acceptable	Acceptable	$2,773Fees	0.760%Above	10

❓ Frequently Asked Questions

How are mortgage lenders ranked in Lubbock, TX?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Lubbock, TX), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Lubbock, TX?+

Based on 2024 HMDA data, 47 lenders originated a combined 3,938 loans in Lubbock, TX. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Lubbock, TX?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Lubbock, TX is 0.30%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Lubbock, TX's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.