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Safe Rate's TrueRank Guarantee
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 Company Lenders in McAllen
Updated February 5, 2026
Market Overview
36
Total Lenders
5,056
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,479 | -0.091% | 18 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,599 | +0.649% | 320 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,486 | +0.297% | 271 | |
4 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,556 | +0.608% | 444 | |
5 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,228 | +0.922% | 372 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,314 | +0.576% | 181 | |
7 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,447 | +0.448% | 160 | |
8 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,753 | +0.587% | 160 | |
9 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,386 | +0.603% | 62 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,540 | +0.782% | 31 | |
11 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,155 | +0.250% | 27 | |
12 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,747 | +0.440% | 141 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,219 | +0.603% | 124 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,016 | +0.389% | 52 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,434 | -0.035% | 26 | |
16 | WILLOW BEND MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $5,464 | +0.809% | 321 | |
17 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,862 | +0.896% | 83 | |
18 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,116 | +0.577% | 30 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,816 | +0.917% | 27 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,113 | +1.055% | 22 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,486 | +0.925% | 17 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,393 | +0.296% | 14 | |
23 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,348 | +0.878% | 177 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,009 | +1.162% | 100 | |
25 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,771 | +0.928% | 57 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,753 | +0.985% | 25 | |
27 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,271 | +0.660% | 12 | |
28 | STONEWOOD HOME LENDING, LLC | Sound | Mediocre | Sound | Strong | Exceptional | $4,883 | +0.535% | 249 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,316 | +0.920% | 42 | |
30 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $3,866 | +0.511% | 16 | |
31 | DIRECTIONS EQUITY, LLC | Sound | Mediocre | Sound | Sound | Exceptional | $3,645 | +0.170% | 145 | |
32 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $5,708 | +0.514% | 23 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,840 | +0.942% | 13 | |
34 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Sound | Sound | Strong | $4,192 | +0.944% | 43 | |
35 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Sound | $4,219 | +0.854% | 11 | |
36 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Sound | $5,769 | +0.562% | 18 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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