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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 Lubbock
Updated February 5, 2026
Market Overview
47
Total Lenders
3,938
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,203 | +0.178% | 584 | |
2 | Amarillo National Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $951 | +0.142% | 56 | |
3 | Texas Tech Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,704 | +0.232% | 589 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,602 | +0.132% | 262 | |
5 | American National Bank & Trust | Exceptional | Exceptional | Strong | Exceptional | Sound | $503 | +0.198% | 20 | |
6 | First United Bank | Exceptional | Strong | Strong | Exceptional | Strong | $2,022 | +0.171% | 78 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,467 | +0.162% | 140 | |
8 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,098 | +0.585% | 95 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,138 | +0.016% | 29 | |
10 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,980 | +0.256% | 480 | |
11 | City Bank | Strong | Sound | Strong | Strong | Exceptional | $2,091 | +0.420% | 158 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,136 | +0.476% | 89 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,399 | -0.044% | 19 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,542 | +0.606% | 193 | |
15 | Prosperity Bank | Strong | Strong | Sound | Sound | Strong | $1,014 | +0.120% | 52 | |
16 | Centennial Bank | Strong | Strong | Strong | Sound | Sound | $1,551 | +0.609% | 36 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,647 | +0.190% | 22 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,414 | +0.580% | 154 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,057 | +0.420% | 113 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,371 | +0.616% | 36 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,550 | +0.479% | 19 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,966 | -0.171% | 45 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,466 | +0.990% | 18 | |
24 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,700 | +0.827% | 12 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,274 | +0.531% | 11 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,668 | +0.754% | 73 | |
27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,255 | +0.350% | 11 | |
28 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,216 | +0.426% | 10 | |
29 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | Sound | $2,516 | +0.466% | 24 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,558 | +0.628% | 21 |
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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