Safe Rate Rankings

Best Mortgage Lenders in Tyler

Updated February 5, 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 Lenders46

Total Loans1,938

Median Rate Spread0.36%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,201Fees	0.261%Above	248
2	ALTRA Federal Credit UnionCredit Union	Strong	Sound	Exceptional	Exceptional	$1,263Fees	0.554%Above	97
3	NAVY FEDERAL CREDIT UNIONCredit Union	Strong	Exceptional	Sound	Sound	$402Fees	0.639%Below	23
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,307Fees	0.341%Above	260
5	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,800Fees	0.536%Above	165
6	Cadence BankBank	Strong	Sound	Strong	Strong	$1,655Fees	0.385%Above	49
7	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	$662Fees	0.428%Above	42
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,508Fees	0.204%Above	41
9	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,917Fees	0.441%Above	91
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,884Fees	0.405%Above	61
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,773Fees	0.599%Above	38
12	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,623Fees	0.442%Above	37
13	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Sound	$3,190Fees	0.376%Above	30
14	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,331Fees	0.141%Above	30
15	Regions BankBank	Strong	Sound	Strong	Sound	$717Fees	0.752%Above	22
16	Southside BankBank	Strong	Sound	Acceptable	Strong	$670Fees	0.607%Above	35
17	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,274Fees	0.821%Above	66
18	PLATINUM EAGLE MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Exceptional	$5,289Fees	0.311%Above	60
19	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,673Fees	0.803%Above	39
20	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$4,399Fees	0.634%Above	37
21	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$1,993Fees	0.408%Above	30
22	Austin Bank, Texas National AssociationBank	Sound	Mediocre	Acceptable	Exceptional	$1,342Fees	0.801%Above	70

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.