Safe Rate Rankings

Best FHA Mortgage Bank Lenders in Lubbock

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.
Total Lenders7
Total Loans3,938
Median Rate Spread0.30%

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RankLenderOverallPricingProductPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
Amarillo National BankBank
Exceptional
Exceptional
Strong
Exceptional
Strong
$951Fees
0.142%Above
56
2
American National Bank & TrustBank
Exceptional
Exceptional
Strong
Exceptional
Sound
$503Fees
0.198%Above
20
3
First United BankBank
Exceptional
Strong
Strong
Exceptional
Strong
$2,022Fees
0.171%Above
78
4
City BankBank
Strong
Sound
Strong
Strong
Exceptional
$2,091Fees
0.420%Above
158
5
Prosperity BankBank
Strong
Strong
Sound
Sound
Strong
$1,014Fees
0.120%Above
52
6
Centennial BankBank
Strong
Strong
Strong
Sound
Sound
$1,551Fees
0.609%Above
36
7
Flagstar Bank, N.A.Bank
Strong
Sound
Exceptional
Strong
Sound
$1,647Fees
0.190%Above
22

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.