Safe Rate Rankings

Best FHA Mortgage Lenders in Laredo

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders36

Total Loans1,680

Median Rate Spread0.49%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,255Fees	0.074%Below	180
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,763Fees	0.241%Above	177
3	Flagstar Bank, N.A.Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,876Fees	0.174%Above	97
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$534Fees	0.391%Above	11
5	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,160Fees	0.708%Above	236
6	MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,563Fees	0.499%Above	52
7	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$1,967Fees	0.430%Above	22
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,019Fees	0.674%Above	80
9	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$5,987Fees	0.109%Above	19
10	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,472Fees	0.521%Above	84
11	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,190Fees	0.649%Above	49
12	THE MORTGAGE LINK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,386Fees	0.751%Above	43
13	AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$4,828Fees	0.099%Above	77
14	SUMMIT FUNDING, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,942Fees	0.677%Above	45
15	RIGHT START MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$3,949Fees	0.637%Above	35
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,409Fees	0.517%Above	30
17	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,085Fees	0.496%Above	28
18	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,237Fees	0.865%Above	22
19	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,277Fees	0.305%Above	20
20	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,842Fees	0.753%Above	18
21	PFN Lending Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	Sound	$4,594Fees	0.556%Above	17
22	Gateway First BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$5,709Fees	0.457%Above	15
23	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,469Fees	0.200%Above	14
24	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,012Fees	0.801%Above	10
25	First Option Mortgage, LLCIndependent Mortgage Company	Strong	Mediocre	Strong	Strong	Exceptional	$4,060Fees	0.546%Above	60
26	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,385Fees	0.973%Above	41
27	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$6,609Fees	0.562%Above	19

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.