Safe Rate Rankings

Best Bank Mortgage Lenders in Midland

Updated February 5, 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.
Total Lenders7
Total Loans2,461
Median Rate Spread0.40%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
U.S. Bank National AssociationBank
Exceptional
Strong
Exceptional
Strong
Sound
$187Fees
0.083%Above
11
2
JPMorgan Chase Bank, National AssociationBank
Strong
Sound
Exceptional
Strong
Strong
$3,162Fees
0.081%Above
76
3
Wells Fargo Bank, National AssociationBank
Strong
Strong
Exceptional
Sound
Sound
$1,799Fees
0.171%Below
17
4
Frost BankBank
Strong
Exceptional
Sound
Sound
Sound
$234Fees
0.440%Below
13
5
Prosperity BankBank
Strong
Sound
Strong
Sound
Sound
$1,153Fees
0.347%Above
19
6
Flagstar Bank, N.A.Bank
Strong
Acceptable
Exceptional
Strong
Sound
$4,120Fees
0.440%Above
11
7
City BankBank
Sound
Acceptable
Strong
Sound
Sound
$2,145Fees
0.457%Above
24

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.