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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 Lubbock
Updated February 5, 2026
Market Overview
47
Total Lenders
3,938
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,203 | +0.178% | 584 | |
2 | Texas Tech Federal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $1,704 | +0.232% | 589 | |
3 | Amarillo National Bank | Exceptional | Strong | Exceptional | Strong | $951 | +0.142% | 56 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,602 | +0.132% | 262 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $848 | -0.674% | 25 | |
6 | American National Bank & Trust | Strong | Strong | Exceptional | Sound | $503 | +0.198% | 20 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,467 | +0.162% | 140 | |
8 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | $2,098 | +0.585% | 95 | |
9 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | $1,980 | +0.256% | 480 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,136 | +0.476% | 89 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,542 | +0.606% | 193 | |
12 | City Bank | Strong | Acceptable | Strong | Exceptional | $2,091 | +0.420% | 158 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,414 | +0.580% | 154 | |
14 | First United Bank | Strong | Sound | Sound | Strong | $2,022 | +0.171% | 78 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,971 | +0.080% | 46 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,138 | +0.016% | 29 | |
17 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,057 | +0.420% | 113 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,910 | +1.238% | 75 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,668 | +0.754% | 73 | |
20 | Prosperity Bank | Strong | Sound | Acceptable | Strong | $1,014 | +0.120% | 52 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,966 | -0.171% | 45 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,371 | +0.616% | 36 | |
23 | Centennial Bank | Strong | Sound | Sound | Sound | $1,551 | +0.609% | 36 | |
24 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,051 | -0.181% | 20 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,512 | +0.577% | 38 | |
26 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,647 | +0.190% | 22 | |
27 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Sound | Sound | $2,516 | +0.466% | 24 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,558 | +0.628% | 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 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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