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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 Lubbock
Updated February 5, 2026
Market Overview
47
Total Lenders
3,938
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,203 | +0.178% | 584 | |
2 | Texas Tech Federal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,704 | +0.232% | 589 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,602 | +0.132% | 262 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,098 | +0.585% | 95 | |
5 | Amarillo National Bank | Exceptional | Strong | Strong | Strong | Strong | $951 | +0.142% | 56 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,136 | +0.476% | 89 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,729 | +0.032% | 16 | |
8 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,980 | +0.256% | 480 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,542 | +0.606% | 193 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,467 | +0.162% | 140 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,971 | +0.080% | 46 | |
12 | American National Bank & Trust | Strong | Sound | Strong | Exceptional | Sound | $503 | +0.198% | 20 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,414 | +0.580% | 154 | |
14 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,057 | +0.420% | 113 | |
15 | First United Bank | Strong | Sound | Sound | Strong | Strong | $2,022 | +0.171% | 78 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,668 | +0.754% | 73 | |
17 | Prosperity Bank | Strong | Sound | Strong | Sound | Strong | $1,014 | +0.120% | 52 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,399 | -0.044% | 19 | |
19 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $1,201 | +0.153% | 13 | |
20 | NexBank | Strong | Sound | Strong | Strong | Sound | $1,913 | +0.285% | 12 | |
21 | City Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,091 | +0.420% | 158 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,966 | -0.171% | 45 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,512 | +0.577% | 38 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,371 | +0.616% | 36 | |
25 | Centennial Bank | Strong | Sound | Strong | Sound | Sound | $1,551 | +0.609% | 36 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,138 | +0.016% | 29 | |
27 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,647 | +0.190% | 22 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,550 | +0.479% | 19 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,966 | +0.497% | 13 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,815 | +0.253% | 13 | |
31 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,225 | -0.016% | 11 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $4,255 | +0.350% | 11 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,558 | +0.628% | 21 | |
34 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,051 | -0.181% | 20 | |
35 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,700 | +0.827% | 12 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,134 | -0.074% | 12 | |
37 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,624 | +0.049% | 11 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Acceptable | $2,773 | +0.760% | 10 | |
39 | HOMETRUST MORTGAGE COMPANY | Sound | Mediocre | Sound | Sound | Sound | $2,516 | +0.466% | 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)
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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