# Best Mortgage Lenders for Conventional Loans in Waco, TX - 2026


> **📋 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


> Compare the top Conventional mortgage lenders in Waco, TX across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Waco, TX
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** CONVENTIONAL
- **Total Lenders in Market:** 43
- **Total Loan Volume:** 2,185
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [NAVY FEDERAL CREDIT UNION](https://saferate.com/lenders/navy-federal-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 2 | [TEXELL Credit Union](https://saferate.com/lenders/texell-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Strong 😀 |
| 3 | [MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION](https://saferate.com/lenders/members-choice-of-central-texas-federal-credit-union) | Credit Union | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 4 | [First Central Credit Union](https://saferate.com/lenders/first-central-credit-union) | Credit Union | Acceptable 🙂 | N/A | Acceptable 🙂 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/waco-tx/best-mortgage-lenders/credit-unions/conventional-loans)