Safe Rate Rankings

Best Conventional Mortgage Lenders in Lubbock

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 Lenders47

Total Loans3,938

Median Rate Spread0.30%

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

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.