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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 Laredo
Updated February 5, 2026
Market Overview
36
Total Lenders
1,680
Total Loans
0.49%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,255 | -0.074% | 180 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,763 | +0.241% | 177 | |
3 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,876 | +0.174% | 97 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $534 | +0.391% | 11 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,160 | +0.708% | 236 | |
6 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,563 | +0.499% | 52 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,967 | +0.430% | 22 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,019 | +0.674% | 80 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,987 | +0.109% | 19 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,472 | +0.521% | 84 | |
11 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,190 | +0.649% | 49 | |
12 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,386 | +0.751% | 43 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,828 | +0.099% | 77 | |
14 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,942 | +0.677% | 45 | |
15 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,949 | +0.637% | 35 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,409 | +0.517% | 30 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,085 | +0.496% | 28 | |
18 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,237 | +0.865% | 22 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,277 | +0.305% | 20 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,842 | +0.753% | 18 | |
21 | PFN Lending Group, Inc. | Strong | Acceptable | Strong | Exceptional | Sound | $4,594 | +0.556% | 17 | |
22 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $5,709 | +0.457% | 15 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,469 | +0.200% | 14 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,012 | +0.801% | 10 | |
25 | First Option Mortgage, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,060 | +0.546% | 60 | |
26 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,385 | +0.973% | 41 | |
27 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Exceptional | Strong | Sound | $6,609 | +0.562% | 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)
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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