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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 FHA Mortgage Company Lenders in Austin
Updated February 5, 2026
Market Overview
48
Total Lenders
34,396
Total Loans
0.21%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $969 | -0.871% | 625 | |
2 | HOME FINANCING UNLIMITED, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,474 | -0.579% | 432 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,346 | -0.730% | 276 | |
4 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,381 | -1.022% | 265 | |
5 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,057 | -0.114% | 198 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,513 | +0.079% | 203 | |
9 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,133 | -0.587% | 80 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
11 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,023 | -0.186% | 310 | |
12 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,109 | +0.219% | 298 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
14 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562 | +0.098% | 124 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,041 | +0.627% | 288 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
22 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,362 | +0.090% | 699 | |
23 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,400 | -0.150% | 304 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,893 | +0.190% | 224 | |
25 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617 | -0.604% | 102 | |
27 | TEXAS MORTGAGE LENDING, LLC | Strong | Strong | Sound | Sound | Strong | $2,474 | +0.248% | 71 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
35 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $3,109 | +0.172% | 101 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,199 | +0.289% | 93 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.058% | 88 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,294 | +0.665% | 74 | |
39 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,886 | +0.536% | 242 | |
40 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,915 | -0.504% | 121 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,864 | +0.490% | 102 | |
42 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,401 | +0.380% | 92 | |
43 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,349 | +0.355% | 83 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
45 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,295 | +0.698% | 136 | |
46 | ENCOMPASS LENDING GROUP, LP | Strong | Acceptable | Strong | Sound | Strong | $2,290 | +0.276% | 113 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,468 | +0.419% | 173 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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