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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 Mortgage Lenders in Waco
Updated February 5, 2026
Market Overview
43
Total Lenders
2,185
Total Loans
0.33%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,218 | +0.323% | 186 | |
2 | First National Bank Texas | Strong | Strong | Exceptional | Sound | $2,354 | +0.259% | 21 | |
3 | MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION | Strong | Exceptional | Acceptable | Strong | $1,275 | -0.407% | 20 | |
4 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,584 | +0.435% | 255 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,478 | +0.490% | 190 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,707 | +0.452% | 188 | |
7 | Wallick & Volk, Inc. | Strong | Acceptable | Exceptional | Exceptional | $3,282 | +0.368% | 147 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,671 | +0.563% | 108 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,971 | +0.228% | 47 | |
10 | Cadence Bank | Strong | Sound | Strong | Strong | $1,883 | +0.313% | 32 | |
11 | Extraco Banks, National Association | Strong | Sound | Strong | Strong | $1,341 | +0.043% | 27 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,602 | +0.569% | 22 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,780 | +0.535% | 47 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,649 | +0.458% | 40 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,809 | +0.360% | 20 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,427 | -0.074% | 20 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $8,000 | +0.005% | 67 | |
18 | Trinity Oaks Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,044 | +0.104% | 42 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,111 | +0.534% | 21 | |
20 | Susser Bank | Sound | Acceptable | Sound | Strong | $3,094 | +0.481% | 46 | |
21 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,560 | +0.557% | 41 | |
22 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $3,848 | +0.706% | 41 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,586 | +0.395% | 29 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,909 | +0.265% | 26 | |
25 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,949 | +0.289% | 20 | |
26 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,563 | +0.652% | 59 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,734 | +0.893% | 20 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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