Safe Rate Rankings

Best VA Mortgage Lenders in Wichita Falls

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 Lenders23

Total Loans1,305

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNION SQUARE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$843Fees	0.100%Above	167
2	American National Bank & TrustBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$761Fees	0.135%Above	176
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,050Fees	0.048%Below	53
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$458Fees	0.526%Below	20
5	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,480Fees	0.623%Above	36
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,328Fees	0.176%Below	13
7	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,241Fees	0.462%Above	287
8	First BankBank	Strong	Sound	Strong	Exceptional	Strong	$1,433Fees	0.257%Above	31
9	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$1,004Fees	0.139%Below	26
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,490Fees	0.159%Above	14
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,389Fees	0.565%Above	91
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$380Fees	0.338%Above	78
13	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,716Fees	0.431%Above	61
14	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,374Fees	0.355%Above	11
15	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,145Fees	0.743%Below	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.