Safe Rate Rankings

Best FHA Mortgage Lenders in Anchorage

Updated May 26, 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 Lenders54

Total Loans4,795

Median Rate Spread0.13%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Exceptional	$3,050Fees	0.033%Above	1,032
2	Global Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,710Fees	0.038%Above	674
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,473Fees	0.130%Above	230
4	NuVision Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$3,202Fees	0.076%Below	58
5	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$5,258Fees	0.124%Below	55
6	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Exceptional	$2,772Fees	0.295%Above	410
7	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,962Fees	0.068%Above	123
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,638Fees	0.309%Above	85
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,143Fees	0.347%Below	35
10	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,417Fees	0.301%Above	261
11	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$5,224Fees	0.130%Below	123
12	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$2,580Fees	0.121%Above	40
13	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,827Fees	0.223%Above	31
14	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,442Fees	0.304%Above	21
15	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,251Fees	0.080%Above	182
16	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,059Fees	0.114%Above	91
17	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,654Fees	0.016%Above	81
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,711Fees	0.216%Above	29
19	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,422Fees	0.093%Below	60
20	HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,028Fees	0.039%Below	38
21	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,551Fees	0.172%Above	22
22	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,941Fees	0.075%Above	15
23	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,445Fees	0.141%Above	78
24	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,601Fees	0.296%Above	30
25	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,989Fees	0.681%Below	17
26	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,943Fees	0.405%Above	25
27	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,792Fees	0.286%Above	24
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$3,264Fees	0.427%Above	24

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.