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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 McAllen
Updated February 5, 2026
Market Overview
60
Total Lenders
5,056
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,645 | +0.170% | 145 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,486 | +0.297% | 271 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,620 | +0.013% | 90 | |
4 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $5,862 | +0.896% | 83 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,599 | +0.649% | 320 | |
6 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,651 | +0.304% | 78 | |
7 | U.S. Bank National Association | Strong | Strong | Exceptional | Sound | Sound | $2,640 | +0.034% | 31 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,434 | -0.035% | 26 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,556 | +0.608% | 444 | |
10 | STONEWOOD HOME LENDING, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,883 | +0.535% | 249 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,314 | +0.576% | 181 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,447 | +0.448% | 160 | |
13 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,753 | +0.587% | 160 | |
14 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,386 | +0.603% | 62 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,016 | +0.389% | 52 | |
16 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,393 | +0.296% | 14 | |
17 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,348 | +0.878% | 177 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,219 | +0.603% | 124 | |
19 | Lone Star National Bank | Strong | Sound | Sound | Sound | Exceptional | $4,167 | +0.405% | 96 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,753 | +0.985% | 25 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,486 | +0.925% | 17 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,228 | +0.922% | 372 | |
23 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,747 | +0.440% | 141 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,155 | +0.250% | 27 | |
25 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,259 | +0.662% | 23 | |
26 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,763 | +0.396% | 18 | |
27 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,023 | +0.400% | 18 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,866 | +0.511% | 16 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,947 | +0.142% | 11 | |
30 | WILLOW BEND MORTGAGE COMPANY, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $5,464 | +0.809% | 321 | |
31 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,771 | +0.928% | 57 | |
32 | SOUTHWEST FUNDING, LP | Strong | Mediocre | Exceptional | Strong | Strong | $4,192 | +0.944% | 43 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,316 | +0.920% | 42 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,113 | +1.055% | 22 | |
35 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Exceptional | Strong | Sound | $4,219 | +0.854% | 11 | |
36 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Strong | Strong | Sound | $5,769 | +0.562% | 18 |
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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