🛡️
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 Houston
Updated February 5, 2026
Market Overview
50
Total Lenders
84,242
Total Loans
0.34%
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 | 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 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,166 | -0.193% | 843 | |
5 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $851 | -0.244% | 340 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,465 | +0.096% | 754 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
9 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,299 | +0.145% | 733 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,402 | +0.027% | 704 | |
11 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069 | +0.363% | 440 | |
12 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,756 | +0.287% | 237 | |
13 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,945 | +0.411% | 184 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $726 | +0.450% | 502 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
20 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,664 | -0.632% | 470 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
23 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,256 | +0.148% | 506 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,307 | +0.425% | 498 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
26 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | Strong | $2,698 | +0.359% | 266 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,048 | +0.624% | 199 | |
29 | GRACE HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,258 | -0.207% | 602 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
31 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,700 | -0.025% | 487 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,709 | +0.060% | 423 | |
35 | LEGEND LENDING CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $1,725 | +0.394% | 417 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
38 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $2,269 | +0.077% | 356 | |
39 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $2,625 | +0.169% | 329 | |
40 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,240 | +0.837% | 316 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.444% | 297 | |
42 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,705 | +0.447% | 276 | |
43 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,496 | +0.719% | 240 | |
44 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,052 | +0.945% | 238 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.500% | 182 | |
46 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,129 | +0.496% | 1,436 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,975 | +0.378% | 865 | |
48 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $7,558 | +1.610% | 697 | |
49 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,603 | +0.902% | 573 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,374 | +0.467% | 345 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
HoustonFHA
No credit impact
3-minute process
100% free