Safe Rate Rankings

Best VA 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	Texas Tech Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,704Fees	0.232%Above	589
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,467Fees	0.162%Above	140
3	ALLIANCE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,203Fees	0.178%Above	584
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,602Fees	0.132%Above	262
5	Amarillo National BankBank	Exceptional	Strong	Strong	Exceptional	Strong	$951Fees	0.142%Above	56
6	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$848Fees	0.674%Below	25
7	City BankBank	Exceptional	Sound	Strong	Exceptional	Exceptional	$2,091Fees	0.420%Above	158
8	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,138Fees	0.016%Above	29
9	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,980Fees	0.256%Above	480
10	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,051Fees	0.181%Below	20
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,542Fees	0.606%Above	193
12	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,098Fees	0.585%Above	95
13	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,414Fees	0.580%Above	154
14	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,910Fees	1.238%Above	75
15	First United BankBank	Strong	Sound	Sound	Sound	Strong	$2,022Fees	0.171%Above	78
16	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,966Fees	0.171%Below	45
17	MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,216Fees	0.426%Above	10

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.