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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 McAllen

Updated February 5, 2026

Market Overview

Total Lenders

5,056

Total Loans

0.46%

Median Rate Spread

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

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