# Best VA Mortgage Lenders in McAllen

**As of:** 2026-05-23

Compare the top VA mortgage lenders in McAllen. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/mcallen/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 5,056
- **Median Rate Spread:** 0.46473333333333333%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 271 | Independent Mortgage Company |
| 2 | DIRECTIONS EQUITY, LLC | 89 | 70 | 80 | 145 | Independent Mortgage Company |
| 3 | CMG MORTGAGE, INC. | 88 | 54 | 81 | 444 | Independent Mortgage Company |
| 4 | MOVEMENT MORTGAGE, LLC | 88 | 45 | 81 | 181 | Independent Mortgage Company |
| 5 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 124 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 90 | Independent Mortgage Company |
| 7 | Paramount Residential Mortgage Group, Inc. | 83 | 40 | 71 | 160 | Independent Mortgage Company |
| 8 | CORNERSTONE CAPITAL BANK, SSB | 83 | 61 | 85 | 31 | Bank |
| 9 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 320 | Independent Mortgage Company |
| 10 | Flagstar Bank, N.A. | 79 | 56 | 68 | 78 | Bank |
| 11 | U.S. Bank National Association | 79 | 71 | 65 | 31 | Bank |
| 12 | NAVY FEDERAL CREDIT UNION | 77 | 91 | 59 | 29 | Credit Union |
| 13 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 372 | Independent Mortgage Company |
| 14 | LOWER, LLC | 75 | 25 | 63 | 160 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 52 | Independent Mortgage Company |
| 16 | DAS Acquisition Company, LLC | 71 | 30 | 79 | 141 | Independent Mortgage Company |
| 17 | Mortgage Research Center, LLC | 71 | 34 | 61 | 100 | Independent Mortgage Company |
| 18 | SOUTHWEST FUNDING, LP | 67 | 28 | 77 | 43 | Independent Mortgage Company |
| 19 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 13 | Independent Mortgage Company |
| 20 | Nations Lending Corporation | 63 | 15 | 80 | 62 | Independent Mortgage Company |
| 21 | Equity Prime Mortgage LLC | 62 | 20 | 57 | 18 | Independent Mortgage Company |
| 22 | WILLOW BEND MORTGAGE COMPANY, LLC | 60 | 12 | 62 | 321 | Independent Mortgage Company |
| 23 | RIGHT START MORTGAGE, INC. | 60 | 12 | 80 | 177 | Independent Mortgage Company |
| 24 | AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | 10 | 79 | 42 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within McAllen.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.