# Best FHA Mortgage Lenders in College Station

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/college-station/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:** 50
- **Total Loans:** 2,059
- **Median Rate Spread:** 0.24180851063829786%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Financial Bank, National Association | 89 | 68 | 86 | 89 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 266 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 133 | Independent Mortgage Company |
| 4 | City Bank | 79 | 47 | 77 | 69 | Bank |
| 5 | Flagstar Bank, N.A. | 79 | 58 | 71 | 50 | Bank |
| 6 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 19 | Independent Mortgage Company |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 12 | Independent Mortgage Company |
| 8 | PILGRIM MORTGAGE LLC | 75 | 24 | 81 | 132 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 79 | Independent Mortgage Company |
| 10 | NEW FED MORTGAGE, CORP. | 75 | 38 | 84 | 64 | Independent Mortgage Company |
| 11 | Wallick & Volk, Inc. | 75 | 36 | 86 | 43 | Independent Mortgage Company |
| 12 | INSPIRE HOME LOANS INC. | 73 | 53 | 75 | 24 | Independent Mortgage Company |
| 13 | THE LOAN STORE, INC. | 73 | 49 | 72 | 21 | Independent Mortgage Company |
| 14 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 73 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 26 | Independent Mortgage Company |
| 16 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 13 | Independent Mortgage Company |
| 17 | Gateway First Bank | 66 | 35 | 77 | 13 | Bank |
| 18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 12 | Independent Mortgage Company |
| 19 | GARDNER FINANCIAL SERVICES, LTD. | 59 | 14 | 80 | 16 | 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 College Station.

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.