Safe Rate Rankings

Best All Lender Mortgage Lenders in McAllen

Updated May 23, 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.
Total Lenders60
Total Loans5,056
Median Rate Spread0.46%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
RALLY CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Exceptional
$728Fees
0.413%Above
213
2
SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union
Exceptional
Exceptional
Sound
Strong
$582Credit
0.138%Above
88
3
UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Exceptional
$3,486Fees
0.297%Above
271
4
DIRECTIONS EQUITY, LLCIndependent Mortgage Company
Strong
Sound
Exceptional
Exceptional
$3,645Fees
0.170%Above
145
5
NAVY FEDERAL CREDIT UNIONCredit Union
Strong
Exceptional
Sound
Sound
$725Fees
0.599%Below
29
6
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Strong
Exceptional
$3,596Fees
0.091%Above
307
7
U.S. Bank National AssociationBank
Strong
Strong
Strong
Sound
$2,640Fees
0.034%Above
31
8
PNC Bank, National AssociationBank
Strong
Strong
Strong
Sound
$1,400Fees
0.410%Above
20
9
CMG MORTGAGE, INC.Independent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$4,556Fees
0.608%Above
444
10
ROCKET MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$3,599Fees
0.649%Above
320
11
MOVEMENT MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Exceptional
$4,314Fees
0.576%Above
181
12
GUARANTEED RATE, INC.Independent Mortgage Company
Strong
Sound
Strong
Strong
$4,219Fees
0.603%Above
124
13
FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Sound
Strong
Strong
$2,620Fees
0.013%Above
90
14
Wells Fargo Bank, National AssociationBank
Strong
Strong
Sound
Sound
$2,279Fees
0.298%Above
31
15
CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$5,228Fees
0.922%Above
372
16
Paramount Residential Mortgage Group, Inc.Independent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$3,447Fees
0.448%Above
160
17
LOWER, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Exceptional
$3,753Fees
0.587%Above
160
18
DAS Acquisition Company, LLCIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$3,747Fees
0.440%Above
141
19
Nations Lending CorporationIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$5,386Fees
0.603%Above
62
20
FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company
Strong
Acceptable
Exceptional
Strong
$4,016Fees
0.389%Above
52
21
LOANDEPOT.COM, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
$2,540Fees
0.782%Above
31
22
PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company
Strong
Sound
Strong
Sound
$1,434Fees
0.035%Below
26
23
STONEWOOD HOME LENDING, LLCIndependent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
$4,883Fees
0.535%Above
249
24
RIGHT START MORTGAGE, INC.Independent Mortgage Company
Strong
Mediocre
Exceptional
Exceptional
$5,348Fees
0.878%Above
177
25
Mortgage Research Center, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$2,009Fees
1.162%Above
100
26
INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company
Strong
Acceptable
Strong
Strong
$5,862Fees
0.896%Above
83
27
Flagstar Bank, N.A.Bank
Strong
Acceptable
Strong
Strong
$3,651Fees
0.304%Above
78
28
GoodLeap, LLCIndependent Mortgage Company
Strong
Sound
Sound
Sound
$3,116Fees
0.577%Above
30
29
WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Exceptional
$5,464Fees
0.809%Above
321
30
Lone Star National BankBank
Sound
Acceptable
Acceptable
Exceptional
$4,167Fees
0.405%Above
96
31
International Bank of CommerceBank
Sound
Acceptable
Sound
Strong
$1,842Fees
0.623%Above
35
32
CORNERSTONE CAPITAL BANK, SSBBank
Sound
Acceptable
Strong
Sound
$645Fees
0.773%Below
31
33
PLAZA HOME MORTGAGE, INC.Independent Mortgage Company
Sound
Acceptable
Strong
Sound
$3,155Fees
0.250%Above
27
34
NATIONSTAR MORTGAGE LLCIndependent Mortgage Company
Sound
Acceptable
Strong
Sound
$2,816Fees
0.917%Above
27
35
SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company
Sound
Acceptable
Strong
Sound
$4,259Fees
0.662%Above
23
36
NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
$4,771Fees
0.928%Above
57
37
SOUTHWEST FUNDING, LPIndependent Mortgage Company
Sound
Mediocre
Strong
Strong
$4,192Fees
0.944%Above
43
38
AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company
Sound
Mediocre
Exceptional
Sound
$5,316Fees
0.920%Above
42
39
NEWREZ LLCIndependent Mortgage Company
Sound
Acceptable
Sound
Sound
$1,753Fees
0.985%Above
25
40
ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company
Sound
Mediocre
Strong
Sound
$5,708Fees
0.514%Above
23
41
PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company
Sound
Mediocre
Strong
Sound
$3,113Fees
1.055%Above
22

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.