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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 Texas
Updated February 6, 2026
Market Overview
575
Total Lenders
348,941
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,122 | -0.789% | 2,479 | |
2 | Amarillo National Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,156 | +0.154% | 838 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $731 | -0.467% | 1,237 | |
4 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $989 | -0.581% | 1,062 | |
5 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,640 | -0.126% | 945 | |
6 | ALLIANCE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,177 | +0.165% | 832 | |
7 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005 | -0.135% | 743 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,886 | +0.086% | 4,738 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
10 | First Financial Bank, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,387 | +0.482% | 2,119 | |
11 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,402 | +0.045% | 2,034 | |
12 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
13 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
14 | Texas Tech Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,615 | +0.232% | 812 | |
15 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799 | +0.095% | 781 | |
16 | First National Bank Texas | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,886 | +0.002% | 750 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,030 | -0.034% | 2,630 | |
19 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
20 | UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,378 | +0.070% | 1,015 | |
21 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
22 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,696 | +0.252% | 2,694 | |
23 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,333 | +0.331% | 2,233 | |
24 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,219 | -0.277% | 1,888 | |
25 | MORTGAGE FINANCIAL SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,478 | +0.430% | 1,649 | |
26 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,142 | -0.051% | 1,555 | |
27 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,859 | +0.153% | 1,554 | |
28 | INSPIRE HOME LOANS INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
29 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
30 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,038 | +0.158% | 900 | |
31 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728 | +0.318% | 701 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
35 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,496 | +0.105% | 2,043 | |
36 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
37 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
38 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
39 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,903 | +0.292% | 927 | |
40 | City Bank | Strong | Sound | Strong | Strong | Exceptional | $2,430 | +0.357% | 855 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
43 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
48 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,700 | +0.465% | 2,008 | |
49 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,655 | +0.453% | 1,954 | |
50 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,565 | +0.232% | 1,443 |
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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