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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 Killeen
Updated February 5, 2026
Market Overview
77
Total Lenders
6,513
Total Loans
0.17%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $494 | -1.041% | 108 | |
2 | First National Bank Texas | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,495 | -0.161% | 359 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,736 | -0.336% | 324 | |
4 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,232 | -0.054% | 233 | |
5 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,195 | -0.059% | 133 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,624 | +0.002% | 65 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,271 | +0.227% | 58 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,541 | +0.334% | 963 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,703 | +0.584% | 358 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,149 | -0.359% | 44 | |
11 | UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $3,185 | +0.106% | 22 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218 | +0.100% | 242 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,690 | +0.036% | 42 | |
14 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,391 | +0.093% | 24 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $810 | +0.326% | 603 | |
16 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,760 | +0.668% | 129 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,135 | +0.496% | 82 | |
18 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,684 | +0.056% | 70 | |
19 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,763 | +0.416% | 50 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,321 | +0.087% | 44 | |
21 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,144 | +0.362% | 26 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,084 | +0.422% | 42 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,369 | -0.378% | 33 | |
24 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,556 | +0.361% | 30 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,307 | +0.380% | 27 | |
26 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,627 | +0.277% | 26 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,688 | +0.179% | 20 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,502 | +0.626% | 84 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,350 | +0.371% | 44 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,806 | +0.349% | 33 | |
31 | Wolfe Financial, Inc | Sound | Mediocre | Strong | Strong | Strong | $2,300 | +0.382% | 67 | |
32 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $4,011 | +0.224% | 21 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,789 | +0.448% | 43 | |
34 | SENTE MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,218 | +0.527% | 21 |
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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