Safe Rate Rankings

Best FHA Mortgage Lenders in Wichita Falls

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders23

Total Loans1,305

Median Rate Spread0.18%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	American National Bank & TrustBank	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$761Fees	0.135%Above	176
2	UNION SQUARE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	Exceptional	$843Fees	0.100%Above	167
3	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,241Fees	0.462%Above	287
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,050Fees	0.048%Below	53
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,389Fees	0.565%Above	91
6	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,480Fees	0.623%Above	36
7	First BankBank	Strong	Sound	Strong	Strong	Strong	$1,433Fees	0.257%Above	31
8	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$1,852Fees	0.325%Above	26
9	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,716Fees	0.431%Above	61
10	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,246Fees	0.599%Above	16

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.