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