Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	RALLY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$728Fees	0.413%Above	213
2	RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Strong	Sound	$132Fees	0.026%Above	11
3	SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$582Credit	0.138%Above	88
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$725Fees	0.599%Below	29
5	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$2,479Fees	0.091%Below	18
6	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,596Fees	0.091%Above	307
7	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,640Fees	0.034%Above	31
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,400Fees	0.410%Above	20
9	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,365Fees	0.695%Above	18
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,599Fees	0.649%Above	320
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,486Fees	0.297%Above	271
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,279Fees	0.298%Above	31
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,556Fees	0.608%Above	444
14	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,228Fees	0.922%Above	372
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,314Fees	0.576%Above	181
16	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,447Fees	0.448%Above	160
17	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,753Fees	0.587%Above	160
18	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,386Fees	0.603%Above	62
19	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,540Fees	0.782%Above	31
20	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,155Fees	0.250%Above	27
21	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,747Fees	0.440%Above	141
22	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,219Fees	0.603%Above	124
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,651Fees	0.304%Above	78
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,016Fees	0.389%Above	52
25	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,434Fees	0.035%Below	26
26	WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$5,464Fees	0.809%Above	321
27	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$5,862Fees	0.896%Above	83
28	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,116Fees	0.577%Above	30
29	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,816Fees	0.917%Above	27
30	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,113Fees	1.055%Above	22
31	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,763Fees	0.396%Above	18
32	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,486Fees	0.925%Above	17
33	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,393Fees	0.296%Above	14
34	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$5,348Fees	0.878%Above	177
35	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,009Fees	1.162%Above	100
36	NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,771Fees	0.928%Above	57
37	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,753Fees	0.985%Above	25
38	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,271Fees	0.660%Above	12
39	STONEWOOD HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	Exceptional	$4,883Fees	0.535%Above	249
40	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,316Fees	0.920%Above	42
41	International Bank of CommerceBank	Sound	Acceptable	Sound	Sound	Strong	$1,842Fees	0.623%Above	35
42	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,866Fees	0.511%Above	16
43	DIRECTIONS EQUITY, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Exceptional	$3,645Fees	0.170%Above	145
44	Lone Star National BankBank	Sound	Mediocre	Sound	Sound	Exceptional	$4,167Fees	0.405%Above	96
45	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$5,708Fees	0.514%Above	23
46	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$4,840Fees	0.942%Above	13
47	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$4,192Fees	0.944%Above	43
48	SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$4,219Fees	0.854%Above	11
49	CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$5,769Fees	0.562%Above	18
50	Texas Regional BankBank	Sound	Acceptable	Acceptable	Acceptable	Sound	$3,979Fees	0.418%Above	17

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.