# Best Conventional Mortgage Lenders in Sherman

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

Compare the top Conventional mortgage lenders in Sherman. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 157 | Independent Mortgage Company |
| 2 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 146 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 39 | Independent Mortgage Company |
| 4 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 36 | Bank |
| 5 | American National Bank & Trust | 79 | 52 | 80 | 33 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 20 | Credit Union |
| 7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 26 | 76 | 177 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 156 | Independent Mortgage Company |
| 9 | First United Bank and Trust Company | 75 | 38 | 64 | 123 | Bank |
| 10 | HIGHLAND HOMELOANS, LLC | 74 | 42 | 65 | 30 | Independent Mortgage Company |
| 11 | Cadence Bank | 73 | 48 | 71 | 23 | Bank |
| 12 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 18 | Bank |
| 13 | PRIORITY HOME MORTGAGE, L.P. | 73 | 92 | 50 | 16 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 15 | Independent Mortgage Company |
| 15 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 41 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 40 | Independent Mortgage Company |
| 17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 20 | 68 | 35 | Independent Mortgage Company |
| 18 | NexBank | 69 | 43 | 66 | 16 | Bank |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 69 | 44 | 64 | 10 | Independent Mortgage Company |
| 20 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 20 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 27 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 25 | Independent Mortgage Company |
| 23 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 22 | Independent Mortgage Company |
| 24 | THE LOAN STORE, INC. | 66 | 39 | 71 | 18 | Independent Mortgage Company |
| 25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 18 | Independent Mortgage Company |
| 26 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 15 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 13 | Independent Mortgage Company |
| 28 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 63 | 23 | 57 | 52 | Independent Mortgage Company |
| 29 | Magnolia Bank, Incorporated | 63 | 37 | 70 | 19 | Bank |
| 30 | First Bank | 63 | 22 | 68 | 16 | Bank |
| 31 | THE MORTGAGE LINK, INC. | 63 | 22 | 63 | 11 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 23 | Independent Mortgage Company |
| 33 | NEWREZ LLC | 62 | 31 | 58 | 17 | Independent Mortgage Company |
| 34 | AMERICAN FINANCIAL NETWORK, INC. | 60 | 29 | 63 | 10 | Independent Mortgage Company |
| 35 | First State Bank | 58 | 30 | 46 | 22 | Bank |
| 36 | NFM, INC. | 56 | 19 | 77 | 24 | Independent Mortgage Company |
| 37 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 16 | Independent Mortgage Company |
| 38 | Independent Bank | 54 | 38 | 57 | 19 | Bank |
| 39 | CRESTMARK MORTGAGE COMPANY, LTD. | 54 | 38 | 45 | 11 | Independent Mortgage Company |
| 40 | SFMC, LP | 53 | 17 | 54 | 51 | Independent Mortgage Company |
| 41 | ZILLOW HOME LOANS, LLC | 53 | 32 | 50 | 10 | Independent Mortgage Company |
| 42 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | 49 | 9 | 56 | 23 | Independent Mortgage Company |
| 43 | Click n' Close, Inc. | 49 | 1 | 51 | 12 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.