Safe Rate Rankings

Best Conventional Mortgage Lenders in Longview

Updated February 5, 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 Lenders39

Total Loans1,942

Median Rate Spread0.51%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	EAST TEXAS PROFESSIONAL Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$41Fees	0.593%Above	119
2	EASTMAN CREDIT UNIONCredit Union	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,570Fees	0.441%Above	209
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,840Fees	0.496%Above	206
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,950Fees	0.275%Above	202
5	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	Exceptional	$811Fees	0.154%Above	73
6	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$2,581Fees	0.230%Above	64
7	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$3,466Fees	0.617%Above	45
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,667Fees	0.095%Above	13
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,001Fees	0.544%Above	188
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,058Fees	0.721%Above	121
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,140Fees	0.213%Above	26
12	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,212Fees	0.755%Above	45
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,039Fees	1.226%Above	40
14	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,899Fees	0.899%Above	35
15	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,569Fees	0.812%Above	34
16	Origin BankBank	Strong	Sound	Strong	Strong	Sound	$802Fees	0.305%Above	23
17	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,339Fees	0.119%Above	19
18	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,609Fees	0.700%Above	47
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,182Fees	0.639%Above	25
20	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,457Fees	0.262%Above	16
21	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,146Fees	0.463%Above	12
22	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,260Fees	0.291%Above	12
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,479Fees	0.545%Above	12
24	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$1,223Fees	0.470%Above	78
25	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,708Fees	0.404%Above	26
26	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,367Fees	0.630%Above	16
27	Guaranty Bank & Trust, N.A.Bank	Strong	Sound	Sound	Sound	Sound	$1,193Fees	0.152%Above	13
28	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,712Fees	0.233%Below	13
29	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Acceptable	$2,484Fees	0.171%Above	10
30	TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company	Sound	Sound	Sound	Acceptable	Sound	$1,771Fees	0.238%Above	24
31	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,357Fees	1.316%Above	19
32	Austin Bank, Texas National AssociationBank	Sound	Mediocre	Strong	Sound	Strong	$861Fees	0.709%Above	57
33	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$5,624Fees	0.545%Above	18

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.