# Best Mortgage Lenders in Sherman

**As of:** 2026-06-01

Compare the top mortgage lenders in Sherman. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/sherman/best-mortgage-lenders


> **📋 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:** 52
- **Total Loans:** 1,856
- **Median Rate Spread:** 0.3224313725490196%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | American National Bank & Trust | 86 | 61 | 87 | 33 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 157 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 39 | Independent Mortgage Company |
| 4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 74 | 26 | 83 | 177 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 156 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 146 | Independent Mortgage Company |
| 7 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 41 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 36 | Bank |
| 9 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 20 | Credit Union |
| 10 | First United Bank and Trust Company | 68 | 36 | 72 | 123 | Bank |
| 11 | CMG MORTGAGE, INC. | 68 | 33 | 81 | 40 | Independent Mortgage Company |
| 12 | Cadence Bank | 66 | 47 | 73 | 23 | Bank |
| 13 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 22 | Independent Mortgage Company |
| 14 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 20 | Independent Mortgage Company |
| 15 | HIGHLAND HOMELOANS, LLC | 66 | 42 | 58 | 30 | Independent Mortgage Company |
| 16 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 63 | 25 | 69 | 52 | Independent Mortgage Company |
| 17 | SFMC, LP | 63 | 25 | 73 | 51 | Independent Mortgage Company |
| 18 | Mortgage Research Center, LLC | 63 | 34 | 70 | 33 | Independent Mortgage Company |
| 19 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | 63 | 21 | 67 | 23 | Independent Mortgage Company |
| 20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 62 | 24 | 85 | 27 | Independent Mortgage Company |
| 21 | NFM, INC. | 62 | 23 | 87 | 24 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 25 | Independent Mortgage Company |
| 23 | First State Bank | 58 | 29 | 44 | 22 | Bank |
| 24 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 22 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 52 | 22 | 60 | 23 | Independent Mortgage Company |
| 26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 50 | 19 | 80 | 35 | 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 Sherman.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.