# Best FHA Mortgage Lenders in McAllen

**As of:** 2026-05-23

Compare the top FHA mortgage lenders in McAllen. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/mcallen/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 60
- **Total Loans:** 5,056
- **Median Rate Spread:** 0.46473333333333333%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DIRECTIONS EQUITY, LLC | 89 | 68 | 80 | 145 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 271 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 90 | Independent Mortgage Company |
| 4 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 64 | 79 | 83 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 320 | Independent Mortgage Company |
| 6 | Flagstar Bank, N.A. | 79 | 58 | 71 | 78 | Bank |
| 7 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 444 | Independent Mortgage Company |
| 8 | STONEWOOD HOME LENDING, LLC | 75 | 22 | 89 | 249 | Independent Mortgage Company |
| 9 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 181 | Independent Mortgage Company |
| 10 | Paramount Residential Mortgage Group, Inc. | 75 | 33 | 72 | 160 | Independent Mortgage Company |
| 11 | LOWER, LLC | 75 | 29 | 66 | 160 | Independent Mortgage Company |
| 12 | Nations Lending Corporation | 75 | 27 | 83 | 62 | Independent Mortgage Company |
| 13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 52 | Independent Mortgage Company |
| 14 | U.S. Bank National Association | 73 | 65 | 60 | 31 | Bank |
| 15 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 26 | Independent Mortgage Company |
| 16 | THE LOAN STORE, INC. | 73 | 49 | 72 | 14 | Independent Mortgage Company |
| 17 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 124 | Independent Mortgage Company |
| 18 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 17 | Independent Mortgage Company |
| 19 | Lone Star National Bank | 68 | 57 | 48 | 96 | Bank |
| 20 | NEWREZ LLC | 68 | 52 | 56 | 25 | Independent Mortgage Company |
| 21 | RIGHT START MORTGAGE, INC. | 67 | 7 | 82 | 177 | Independent Mortgage Company |
| 22 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 27 | Independent Mortgage Company |
| 23 | SUN WEST MORTGAGE COMPANY, INC. | 66 | 36 | 64 | 23 | Independent Mortgage Company |
| 24 | Gateway First Bank | 66 | 35 | 77 | 18 | Bank |
| 25 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 18 | Independent Mortgage Company |
| 26 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 66 | 32 | 76 | 16 | Independent Mortgage Company |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 11 | Independent Mortgage Company |
| 28 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 372 | Independent Mortgage Company |
| 29 | DAS Acquisition Company, LLC | 63 | 18 | 82 | 141 | Independent Mortgage Company |
| 30 | WILLOW BEND MORTGAGE COMPANY, LLC | 60 | 10 | 67 | 321 | Independent Mortgage Company |
| 31 | NATIONS RELIABLE LENDING, LLC | 60 | 17 | 70 | 57 | Independent Mortgage Company |
| 32 | SOUTHWEST FUNDING, LP | 60 | 7 | 74 | 43 | Independent Mortgage Company |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 59 | 10 | 81 | 42 | Independent Mortgage Company |
| 34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 56 | 9 | 74 | 22 | Independent Mortgage Company |
| 35 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 11 | Independent Mortgage Company |
| 36 | CITY FIRST MORTGAGE SERVICES, L.L.C. | 53 | 15 | 61 | 18 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within McAllen.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.