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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 Mortgage Lenders in Sherman
Updated February 5, 2026
Market Overview
52
Total Lenders
1,856
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | American National Bank & Trust | Exceptional | Strong | Exceptional | Strong | $2,036 | +0.432% | 33 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,807 | +0.204% | 157 | |
3 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,044 | -0.467% | 20 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $4,450 | +0.507% | 39 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,432 | -0.255% | 177 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,826 | +0.556% | 156 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,924 | +0.429% | 146 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,391 | +0.319% | 41 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,200 | +0.377% | 36 | |
10 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $2,415 | +0.548% | 123 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,077 | +0.124% | 40 | |
12 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Sound | Strong | $4,708 | -0.289% | 30 | |
13 | Cadence Bank | Strong | Sound | Strong | Sound | $2,683 | +0.025% | 23 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,655 | +0.164% | 22 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,637 | +0.037% | 20 | |
16 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,574 | +0.669% | 52 | |
17 | SFMC, LP | Strong | Acceptable | Strong | Strong | $5,036 | +0.514% | 51 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,464 | +0.202% | 33 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,375 | +0.612% | 27 | |
20 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,843 | +0.388% | 24 | |
21 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Strong | $6,716 | +0.513% | 23 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,713 | +0.890% | 25 | |
23 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $3,482 | +0.224% | 22 | |
24 | First State Bank | Sound | Acceptable | Sound | Strong | $1,976 | +0.354% | 22 | |
25 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $4,899 | +0.428% | 35 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $4,147 | +0.685% | 23 |
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.
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