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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 Lenders in Houston

Updated February 5, 2026

Market Overview

340

Total Lenders

84,242

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	VELOCIO MORTGAGE L.L.C.	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$1,151	-0.652%	487
2	JET HOMELOANS, LP	Exceptional	Exceptional	Strong	Exceptional	Strong	$2,470	-0.387%	307
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Exceptional	$830	-0.371%	1,489
4	Cadence Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,407	-0.043%	926
5	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,166	-0.193%	843
6	PARKSTONE MORTGAGE, LLC	Exceptional	Exceptional	Strong	Strong	Strong	$851	-0.244%	340
7	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,942	+0.220%	8,636
8	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,465	+0.096%	754
9	First Financial Bank, National Association	Exceptional	Strong	Strong	Exceptional	Strong	$1,208	+0.694%	287
10	NBKC BANK	Exceptional	Exceptional	Strong	Sound	Strong	$753	-0.011%	176
11	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,535	+0.058%	2,437
12	Flagstar Bank, N.A.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,811	+0.277%	1,033
13	CLM MORTGAGE, INC.	Exceptional	Sound	Strong	Exceptional	Exceptional	$4,299	+0.145%	733
14	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,402	+0.027%	704
15	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,069	+0.363%	440
16	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,139	-0.060%	361
17	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,756	+0.287%	237
18	First Horizon Bank	Exceptional	Strong	Strong	Strong	Strong	$1,813	+0.149%	189
19	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,945	+0.411%	184
20	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,083	+0.390%	5,725
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,691	+0.423%	1,189
22	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,699	+0.236%	1,051
23	CORNERSTONE CAPITAL BANK, SSB	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,579	+0.159%	670
24	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,670	+0.385%	532
25	TEXAS DOW EMPLOYEES CREDIT UNION	Strong	Strong	Sound	Sound	Exceptional	$983	+0.448%	523
26	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Strong	$726	+0.450%	502
27	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,852	+0.344%	501
28	M/I FINANCIAL, LLC	Strong	Sound	Exceptional	Strong	Strong	$5,664	-0.632%	470
29	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,754	+0.308%	212
30	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$2,418	+0.108%	2,453
31	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,602	+0.386%	2,010
32	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,213	+0.424%	1,039
33	V.I.P. MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,256	+0.148%	506
34	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,307	+0.425%	498
35	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,745	+0.405%	484
36	STONE MEADOW LENDING, LLC	Strong	Sound	Strong	Strong	Strong	$2,698	+0.359%	266
37	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,987	+0.291%	226
38	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,386	+0.212%	225
39	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,048	+0.624%	199
40	GRACE HOME LENDING, LLC	Strong	Acceptable	Strong	Strong	Exceptional	$4,258	-0.207%	602
41	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Strong	$3,976	+0.454%	586
42	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,971	+0.346%	582
43	CRESTMARK MORTGAGE COMPANY, LTD.	Strong	Acceptable	Strong	Strong	Exceptional	$4,700	-0.025%	487
44	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,078	+0.357%	460
45	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,826	+0.141%	442
46	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,709	+0.060%	423
47	LEGEND LENDING CORPORATION	Strong	Acceptable	Strong	Strong	Exceptional	$1,725	+0.394%	417
48	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,663	+0.423%	412
49	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,186	+0.453%	382
50	SFMC, LP	Strong	Acceptable	Exceptional	Strong	Strong	$2,269	+0.077%	356

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.

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