Safe Rate Rankings

Best Conventional Mortgage Lenders in Sherman

Updated June 1, 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.

Market

Total Lenders52

Total Loans1,856

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,044Fees	0.467%Below	20
2	PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company	Exceptional	Exceptional	Strong	Sound	Sound	$582Fees	0.462%Below	16
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,807Fees	0.204%Above	157
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,924Fees	0.429%Above	146
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,450Fees	0.507%Above	39
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,200Fees	0.377%Above	36
7	American National Bank & TrustBank	Strong	Sound	Strong	Exceptional	Strong	$2,036Fees	0.432%Above	33
8	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,209Fees	0.168%Above	18
9	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,432Fees	0.255%Below	177
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,826Fees	0.556%Above	156
11	First United Bank and Trust CompanyBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,415Fees	0.548%Above	123
12	HIGHLAND HOMELOANS, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$4,708Fees	0.289%Below	30
13	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,683Fees	0.025%Above	23
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,523Fees	0.217%Above	15
15	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,391Fees	0.319%Above	41
16	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,077Fees	0.124%Above	40
17	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,899Fees	0.428%Above	35
18	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,637Fees	0.037%Above	20
19	NexBankBank	Strong	Sound	Strong	Strong	Sound	$2,280Fees	0.381%Above	16
20	AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$2,529Fees	0.221%Above	10
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,375Fees	0.612%Above	27
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,713Fees	0.890%Above	25
23	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,482Fees	0.224%Above	22
24	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,619Fees	0.310%Above	18
25	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,168Fees	0.529%Above	18
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,541Fees	0.386%Above	15
27	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,131Fees	0.416%Above	13
28	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$4,574Fees	0.669%Above	52
29	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,147Fees	0.685%Above	23
30	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Sound	$4,431Fees	0.012%Above	19
31	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,928Fees	0.435%Above	17
32	First BankBank	Strong	Acceptable	Strong	Strong	Sound	$4,319Fees	0.051%Above	16
33	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$5,779Fees	0.289%Above	11
34	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$5,796Fees	1.312%Above	10
35	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,843Fees	0.388%Above	24
36	First State BankBank	Sound	Acceptable	Sound	Sound	Strong	$1,976Fees	0.354%Above	22
37	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,163Fees	0.680%Above	16
38	SFMC, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$5,036Fees	0.514%Above	51
39	Independent BankBank	Sound	Acceptable	Sound	Sound	Sound	$1,477Fees	0.393%Above	19
40	CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company	Sound	Acceptable	Sound	Sound	Sound	$3,627Fees	0.381%Above	11
41	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Acceptable	$2,481Fees	0.938%Above	10
42	BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company	Sound	Mediocre	Sound	Sound	Strong	$6,716Fees	0.513%Above	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.