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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 Texas
Updated February 6, 2026
Market Overview
50
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 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $731 | -0.467% | 1,237 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $989 | -0.581% | 1,062 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,640 | -0.126% | 945 | |
5 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005 | -0.135% | 743 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,886 | +0.086% | 4,738 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439 | +0.092% | 3,217 | |
8 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,315 | -0.128% | 1,267 | |
9 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236 | +0.219% | 1,125 | |
10 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799 | +0.095% | 781 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,559 | +0.137% | 28,295 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,030 | -0.034% | 2,630 | |
13 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164 | +0.308% | 1,549 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220 | +0.003% | 7,812 | |
15 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,219 | -0.277% | 1,888 | |
16 | MORTGAGE FINANCIAL SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,478 | +0.430% | 1,649 | |
17 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,859 | +0.153% | 1,554 | |
18 | INSPIRE HOME LOANS INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574 | +0.762% | 1,364 | |
19 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,716 | -0.375% | 1,011 | |
20 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,038 | +0.158% | 900 | |
21 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728 | +0.318% | 701 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996 | +0.409% | 21,383 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480 | +0.437% | 6,671 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,048 | +0.203% | 5,576 | |
25 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,636 | +0.364% | 1,555 | |
26 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,619 | +0.337% | 1,517 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856 | +0.392% | 1,478 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066 | +0.215% | 7,909 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075 | +0.465% | 5,244 | |
30 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,176 | +0.281% | 3,353 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013 | +0.219% | 3,216 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933 | +0.427% | 2,838 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840 | +0.504% | 2,225 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338 | +0.302% | 2,180 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,724 | +0.385% | 1,993 | |
36 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,655 | +0.453% | 1,954 | |
37 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,565 | +0.232% | 1,443 | |
38 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,069 | +0.174% | 1,207 | |
39 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,277 | +0.177% | 1,083 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,802 | +0.476% | 1,056 | |
41 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,958 | +0.340% | 796 | |
42 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,594 | +0.377% | 1,898 | |
43 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.818% | 1,273 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,086 | +0.270% | 1,202 | |
45 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,105 | -0.136% | 1,124 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,868 | +0.068% | 897 | |
47 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,126 | +0.456% | 857 | |
48 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,659 | +0.171% | 823 | |
49 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,242 | +0.541% | 763 | |
50 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,268 | +0.650% | 762 |
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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