Top Mortgage Lenders in San Angelo, TX

Which mortgage lender in the San Angelo, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the San Angelo, TX area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the San Angelo, TX area in terms of interest rate is USAA, with an average “Rate Difference” of -0.08%. This means that, comparing similar borrowers, USAA provided a -0.08% lower interest rate for its customers than other lenders in the area. USAA has a market share of 4.7%. On the other hand, the most popular lender in the San Angelo, TX area is Mortgage Financial Services Baton Rouge, with a larger market share of 27.6%. Mortgage Financial Services Baton Rouge is also a relatively cheap lender, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the San Angelo, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in San Angelo, TX is USAA. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is First Financial Bank TX. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Mortgage Financial Services Baton Rouge. The cheapest VA mortgage provider is USAA. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in San Angelo, TX

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.08%(4.0)4.73%
Mortgage Financial Services Baton Rouge-0.06%(4.0)27.62%
Quicken Loans-0.02%(3.5)7.29%
First Financial Bank TX-0.02%(3.5)13.89%
Wells Fargo Bank0.01%(3.5)3.72%
loanDepot0.02%(3.5)2.72%
Gateway First Bank0.02%(3.5)18.62%
University Lending Group0.02%(3.5)4.50%
FBC Mortgage0.08%(3.0)6.05%
Guild Mortgage Company0.13%(3.0)10.86%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.09%(4.0)5.08%
Mortgage Financial Services Baton Rouge-0.06%(4.0)29.94%
Wells Fargo Bank-0.06%(4.0)2.68%
Quicken Loans-0.04%(3.5)4.16%
First Financial Bank TX-0.04%(3.5)12.66%
University Lending Group0.03%(3.5)4.90%
Gateway First Bank0.03%(3.5)19.50%
loanDepot0.04%(3.5)1.85%
FBC Mortgage0.08%(3.0)6.93%
Guild Mortgage Company0.13%(3.0)12.29%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.05%(4.0)14.01%
Mortgage Financial Services Baton Rouge-0.04%(3.5)15.46%
University Lending Group-0.03%(3.5)2.42%
USAA-0.03%(3.5)2.90%
FBC Mortgage-0.02%(3.5)1.45%
loanDepot-0.01%(3.5)7.25%
Quicken Loans-0.01%(3.5)23.67%
Guild Mortgage Company0.03%(3.5)3.38%
First Financial Bank TX0.03%(3.5)20.29%
Wells Fargo Bank0.10%(3.0)9.18%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.07%(4.0)2.03%
Gateway First Bank-0.03%(3.5)16.41%
First Financial Bank TX-0.02%(3.5)18.91%
loanDepot-0.01%(3.5)2.19%
Mortgage Financial Services Baton Rouge-0.01%(3.5)25.00%
Quicken Loans-0.01%(3.5)10.16%
University Lending Group-0.00%(3.5)4.84%
Wells Fargo Bank0.00%(3.5)7.03%
FBC Mortgage0.02%(3.5)2.34%
Guild Mortgage Company0.12%(3.0)11.09%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.07%(4.0)2.37%
Wells Fargo Bank-0.07%(4.0)5.60%
First Financial Bank TX-0.05%(4.0)17.89%
loanDepot-0.03%(3.5)0.43%
Gateway First Bank-0.02%(3.5)18.97%
Quicken Loans-0.00%(3.5)3.88%
Mortgage Financial Services Baton Rouge-0.00%(3.5)28.23%
University Lending Group0.00%(3.5)5.60%
FBC Mortgage0.02%(3.5)3.02%
Guild Mortgage Company0.13%(3.0)14.01%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.07%(4.0)9.66%
USAA-0.05%(4.0)1.14%
Mortgage Financial Services Baton Rouge-0.05%(3.5)16.48%
FBC Mortgage-0.04%(3.5)0.57%
University Lending Group-0.03%(3.5)2.84%
loanDepot-0.01%(3.5)6.82%
Quicken Loans-0.01%(3.5)26.70%
Guild Mortgage Company0.03%(3.5)3.41%
First Financial Bank TX0.04%(3.5)21.59%
Wells Fargo Bank0.10%(3.0)10.80%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Financial Services Baton Rouge-0.15%(4.0)34.11%
Quicken Loans-0.08%(4.0)4.41%
First Financial Bank TX-0.03%(3.5)7.89%
University Lending Group0.06%(3.0)4.64%
loanDepot0.06%(3.0)3.71%
Gateway First Bank0.09%(3.0)21.35%
FBC Mortgage0.12%(3.0)12.30%
Guild Mortgage Company0.15%(3.0)11.60%
Lender NameRate DifferenceRate RatingMarket Share
Mortgage Financial Services Baton Rouge-0.15%(4.5)34.52%
Quicken Loans-0.09%(4.0)4.05%
First Financial Bank TX-0.03%(3.5)7.86%
University Lending Group0.06%(3.0)4.76%
loanDepot0.06%(3.0)3.81%
Gateway First Bank0.10%(3.0)20.95%
FBC Mortgage0.13%(3.0)12.14%
Guild Mortgage Company0.15%(3.0)11.90%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)18.18%
FBC Mortgage-0.00%(3.5)18.18%
First Financial Bank TX-0.00%(3.5)9.09%
Mortgage Financial Services Baton Rouge-0.00%(3.5)18.18%
Gateway First Bank0.01%(3.5)36.36%
Lender NameRate DifferenceRate RatingMarket Share
First Financial Bank TX0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
First Financial Bank TX0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
First Financial Bank TX0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.08%(4.0)22.33%
Wells Fargo Bank-0.03%(3.5)1.40%
Quicken Loans-0.03%(3.5)4.65%
FBC Mortgage-0.03%(3.5)4.65%
Gateway First Bank-0.01%(3.5)20.00%
loanDepot-0.01%(3.5)2.33%
First Financial Bank TX-0.00%(3.5)9.77%
University Lending Group0.06%(3.0)3.26%
Mortgage Financial Services Baton Rouge0.06%(3.0)22.79%
Guild Mortgage Company0.09%(3.0)8.84%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.09%(4.0)22.34%
Wells Fargo Bank-0.03%(3.5)1.52%
Quicken Loans-0.03%(3.5)5.08%
FBC Mortgage-0.03%(3.5)5.08%
Gateway First Bank-0.01%(3.5)17.77%
First Financial Bank TX-0.00%(3.5)10.15%
loanDepot0.00%(3.5)1.02%
University Lending Group0.06%(3.0)3.55%
Mortgage Financial Services Baton Rouge0.06%(3.0)24.37%
Guild Mortgage Company0.09%(3.0)9.14%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.01%(3.5)44.44%
Mortgage Financial Services Baton Rouge0.00%(3.5)5.56%
loanDepot0.00%(3.5)16.67%
First Financial Bank TX0.01%(3.5)5.56%
Guild Mortgage Company0.01%(3.5)5.56%
USAA0.01%(3.5)22.22%

* Data is compiled for the San Angelo, TX commuting zone area, which comprises of counties of Coke County, TX, Concho County, TX, Irion County, TX, Runnels County, TX, Sterling County, TX, and Tom Green County, TX. This includes cities/towns/communities of San Angelo, TX as well as Ballinger, TX, Grape Creek, TX, Eden, TX, Miles, TX, Robert Lee, TX, Mertzon, TX, Winters, TX, Bronte, TX, and Sterling City, TX. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the San Angelo, TX area. For mortgage lender rankings in other cities, click here.