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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 Company Lenders in Midland
Updated February 5, 2026
Market Overview
27
Total Lenders
2,461
Total Loans
0.40%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LRS FINANCIAL NETWORK, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,278 | +0.271% | 157 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,091 | +0.535% | 111 | |
3 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $2,229 | +1.102% | 65 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,104 | +0.281% | 118 | |
5 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,047 | +0.571% | 35 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,519 | +0.451% | 24 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,678 | +0.505% | 343 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,260 | +0.350% | 164 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,636 | +0.709% | 16 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,275 | +0.547% | 13 | |
11 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,171 | +0.760% | 262 | |
12 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,517 | +0.523% | 106 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,783 | +0.536% | 59 | |
14 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,020 | +0.563% | 49 | |
15 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $6,752 | +0.741% | 42 | |
16 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,091 | +0.404% | 20 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,347 | +0.407% | 17 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,811 | +0.356% | 13 | |
19 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,982 | +0.994% | 76 | |
20 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,386 | +1.051% | 33 | |
21 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,701 | +0.957% | 16 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,901 | +0.468% | 12 | |
23 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,879 | +0.965% | 45 | |
24 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,878 | +1.160% | 17 | |
25 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,833 | +0.960% | 13 | |
26 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,859 | +0.838% | 31 | |
27 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,140 | +0.395% | 12 |
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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