# Best FHA Mortgage Lenders in Killeen

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

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

> **Canonical URL:** https://saferate.com/killeen/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:** 77
- **Total Loans:** 6,513
- **Median Rate Spread:** 0.17413698630136987%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First National Bank Texas | 89 | 71 | 88 | 359 | Bank |
| 2 | FIRST CONTINENTAL MORTGAGE, LTD. | 89 | 98 | 86 | 108 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 324 | Independent Mortgage Company |
| 4 | SWBC MORTGAGE CORPORATION | 88 | 42 | 83 | 233 | Independent Mortgage Company |
| 5 | Cadence Bank | 85 | 71 | 69 | 133 | Bank |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 65 | Independent Mortgage Company |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 58 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 963 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 358 | Independent Mortgage Company |
| 10 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 242 | Independent Mortgage Company |
| 11 | UNIVERSITY Federal Credit Union | 74 | 61 | 71 | 22 | Credit Union |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 44 | Independent Mortgage Company |
| 13 | Flagstar Bank, N.A. | 73 | 58 | 71 | 42 | Bank |
| 14 | Plains Commerce Bank | 73 | 47 | 66 | 24 | Bank |
| 15 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 30 | 75 | 129 | Independent Mortgage Company |
| 16 | LOWER, LLC | 71 | 29 | 66 | 82 | Independent Mortgage Company |
| 17 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 70 | Independent Mortgage Company |
| 18 | Gateway First Bank | 71 | 35 | 77 | 50 | Bank |
| 19 | Mortgage Research Center, LLC | 70 | 34 | 54 | 603 | Independent Mortgage Company |
| 20 | Primis Mortgage Company | 69 | 40 | 74 | 26 | Independent Mortgage Company |
| 21 | NEWREZ LLC | 68 | 52 | 56 | 44 | Independent Mortgage Company |
| 22 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 42 | Independent Mortgage Company |
| 23 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 33 | Independent Mortgage Company |
| 24 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 30 | Independent Mortgage Company |
| 25 | MOVEMENT MORTGAGE, LLC | 66 | 30 | 79 | 27 | Independent Mortgage Company |
| 26 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 66 | 32 | 76 | 26 | Independent Mortgage Company |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 20 | Independent Mortgage Company |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 44 | Independent Mortgage Company |
| 29 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 84 | Independent Mortgage Company |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 33 | Independent Mortgage Company |
| 31 | Wolfe Financial, Inc | 57 | 13 | 68 | 67 | Independent Mortgage Company |
| 32 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 21 | Independent Mortgage Company |
| 33 | NETWORK FUNDING, L.P. | 53 | N/A | 74 | 29 | Independent Mortgage Company |
| 34 | SENTE MORTGAGE, INC. | 53 | 15 | 76 | 21 | Independent Mortgage Company |
| 35 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 43 | 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 Killeen.

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.