Safe Rate Rankings

Best FHA Mortgage Lenders in Killeen

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders77

Total Loans6,513

Median Rate Spread0.17%

Killeen Market Insights

First Continental Mortgage is Safe Rate's top-ranked FHA lender in Killeen, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Killeen, First Continental Mortgage and Pennymac Loan Services scores highest on FHA pricing while First National Bank Texas and First Continental Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Killeen, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Killeen: Rocket Mortgage (#4) and Fairway Independent Mortgage (#6).

Explore Rankings by Type

Overall Rankings

All lenders in Killeen

Need rankings for a different loan product?

Conventional Loans VA Loans Jumbo Loans

By Institution Type

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

❓ Frequently Asked Questions

How are mortgage lenders ranked in Killeen?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Killeen), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Killeen?+

Based on 2024 HMDA data, 77 lenders originated a combined 6,513 loans in Killeen. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Killeen?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Killeen is 0.17%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Killeen's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.