Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ALTRA Federal Credit UnionCredit Union	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,263Fees	0.554%Above	97
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$402Fees	0.639%Below	23
3	PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company	Exceptional	Exceptional	Exceptional	Sound	Sound	$846Fees	0.186%Below	12
4	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$666Fees	0.016%Above	17
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,307Fees	0.341%Above	260
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,201Fees	0.261%Above	248
7	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,655Fees	0.385%Above	49
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,508Fees	0.204%Above	41
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,800Fees	0.536%Above	165
10	VeraBank, National AssociationBank	Strong	Sound	Strong	Strong	Strong	$662Fees	0.428%Above	42
11	EASTMAN CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Sound	$807Fees	0.354%Above	18
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,025Fees	0.484%Above	14
13	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$3,796Fees	0.188%Above	10
14	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$1,917Fees	0.441%Above	91
15	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,884Fees	0.405%Above	61
16	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,673Fees	0.803%Above	39
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,773Fees	0.599%Above	38
18	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,399Fees	0.634%Above	37
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,623Fees	0.442%Above	37
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,331Fees	0.141%Above	30
21	Origin BankBank	Strong	Sound	Strong	Strong	Sound	$1,780Fees	0.477%Above	12
22	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,190Fees	0.376%Above	30
23	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$717Fees	0.752%Above	22
24	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,198Fees	0.253%Above	16
25	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,919Fees	0.290%Above	16
26	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,782Fees	0.057%Above	15
27	Prosperity BankBank	Strong	Sound	Strong	Sound	Sound	$1,293Fees	0.028%Below	14
28	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,755Fees	0.746%Above	11
29	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,274Fees	0.821%Above	66
30	Southside BankBank	Strong	Sound	Sound	Acceptable	Strong	$670Fees	0.607%Above	35
31	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,993Fees	0.408%Above	30
32	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,318Fees	0.142%Below	18
33	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,960Fees	0.578%Above	15
34	Austin Bank, Texas National AssociationBank	Sound	Mediocre	Strong	Sound	Exceptional	$1,342Fees	0.801%Above	70
35	Ixonia BankBank	Sound	Mediocre	Exceptional	Strong	Sound	$3,217Fees	0.262%Above	15
36	TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company	Sound	Sound	Sound	Acceptable	Sound	$1,483Fees	0.192%Above	10
37	PLATINUM EAGLE MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Exceptional	$5,289Fees	0.311%Above	60
38	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Acceptable	$4,710Fees	0.826%Above	10
39	INTEGRITY MORTGAGE CORPORATION OF TEXASIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$4,040Fees	0.236%Above	10

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.