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.

Market

Total Lenders60

Total Loans5,056

Median Rate Spread0.46%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.