# Best FHA Mortgage Lenders in Austin

**As of:** 2026-05-20

Compare the top FHA mortgage lenders in Austin. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/austin/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 235
- **Total Loans:** 34,396
- **Median Rate Spread:** 0.20629955947136563%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VELOCIO MORTGAGE L.L.C. | 100 | 96 | 88 | 625 | Independent Mortgage Company |
| 2 | HOME FINANCING UNLIMITED, INC. | 95 | 82 | 87 | 432 | Independent Mortgage Company |
| 3 | PARKSTONE MORTGAGE, LLC | 89 | 95 | 60 | 276 | Independent Mortgage Company |
| 4 | PRIORITY HOME MORTGAGE, L.P. | 89 | 97 | 74 | 265 | Independent Mortgage Company |
| 5 | JET HOMELOANS, LP | 89 | 88 | 84 | 198 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 2,666 | Independent Mortgage Company |
| 7 | UNIVERSITY Federal Credit Union | 85 | 61 | 71 | 755 | Credit Union |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 295 | Independent Mortgage Company |
| 9 | Cadence Bank | 85 | 71 | 69 | 208 | Bank |
| 10 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 203 | Independent Mortgage Company |
| 11 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 64 | 79 | 80 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,028 | Independent Mortgage Company |
| 13 | First United Bank and Trust Company | 83 | 40 | 74 | 525 | Bank |
| 14 | M/I FINANCIAL, LLC | 83 | 47 | 80 | 310 | Independent Mortgage Company |
| 15 | CLM MORTGAGE, INC. | 83 | 44 | 82 | 298 | Independent Mortgage Company |
| 16 | SWBC MORTGAGE CORPORATION | 83 | 42 | 83 | 124 | Independent Mortgage Company |
| 17 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,422 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 783 | Independent Mortgage Company |
| 19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 80 | 22 | 82 | 398 | Independent Mortgage Company |
| 20 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 288 | Independent Mortgage Company |
| 21 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 270 | Independent Mortgage Company |
| 22 | Flagstar Bank, N.A. | 79 | 58 | 71 | 198 | Bank |
| 23 | KIND LENDING, LLC | 79 | 55 | 71 | 171 | Independent Mortgage Company |
| 24 | THE LOAN STORE, INC. | 79 | 49 | 72 | 166 | Independent Mortgage Company |
| 25 | Florida Capital Bank, National Association | 79 | 84 | 64 | 143 | Bank |
| 26 | Plains Commerce Bank | 79 | 47 | 66 | 95 | Bank |
| 27 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 1,568 | Independent Mortgage Company |
| 28 | LOANPEOPLE, LLC | 75 | 31 | 80 | 699 | Independent Mortgage Company |
| 29 | SFMC, LP | 75 | 36 | 77 | 304 | Independent Mortgage Company |
| 30 | CORNERSTONE CAPITAL BANK, SSB | 75 | 30 | 85 | 235 | Bank |
| 31 | V.I.P. MORTGAGE, INC. | 75 | 37 | 83 | 106 | Independent Mortgage Company |
| 32 | NFM, INC. | 75 | 40 | 83 | 102 | Independent Mortgage Company |
| 33 | First Bank | 74 | 42 | 69 | 146 | Bank |
| 34 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 784 | Bank |
| 35 | NEWREZ LLC | 73 | 52 | 56 | 224 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 328 | Independent Mortgage Company |
| 37 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 286 | Independent Mortgage Company |
| 38 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 188 | Independent Mortgage Company |
| 39 | LOWER, LLC | 71 | 29 | 66 | 188 | Independent Mortgage Company |
| 40 | BAY EQUITY LLC | 71 | 37 | 72 | 179 | Independent Mortgage Company |
| 41 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 150 | Independent Mortgage Company |
| 42 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 127 | Independent Mortgage Company |
| 43 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 93 | Independent Mortgage Company |
| 44 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 88 | Independent Mortgage Company |
| 45 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 74 | Independent Mortgage Company |
| 46 | OriginPoint, LLC | 69 | 49 | 59 | 101 | Independent Mortgage Company |
| 47 | TEXAS MORTGAGE LENDING, LLC | 69 | 62 | 46 | 71 | Independent Mortgage Company |
| 48 | CRESTMARK MORTGAGE COMPANY, LTD. | 67 | 23 | 72 | 121 | Independent Mortgage Company |
| 49 | Amplify | 64 | 59 | 49 | 75 | Credit Union |
| 50 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 242 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Austin.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.