Safe Rate Rankings

Best FHA Mortgage Lenders in College Station

Updated May 22, 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 Lenders50

Total Loans2,059

Median Rate Spread0.24%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	First Financial Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,256Fees	0.430%Above	89
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,128Fees	0.015%Above	266
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,957Fees	0.057%Above	19
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,695Fees	0.317%Above	12
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,998Fees	0.511%Above	133
6	City BankBank	Strong	Sound	Strong	Strong	Exceptional	$2,431Fees	0.489%Above	69
7	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,860Fees	0.229%Above	50
8	PILGRIM MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,729Fees	0.342%Above	132
9	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,607Fees	0.479%Above	79
10	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Exceptional	$3,870Fees	0.319%Above	64
11	Wallick & Volk, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,005Fees	0.544%Above	43
12	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,006Fees	0.213%Above	21
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,949Fees	0.287%Above	73
14	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,672Fees	0.317%Above	26
15	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,592Fees	0.269%Above	13
16	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$3,103Fees	0.628%Above	13
17	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,855Fees	0.260%Above	12
18	GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,487Fees	0.539%Above	16

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.