🛡️
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 California
Updated February 6, 2026
Market Overview
452
Total Lenders
284,401
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$820 | -0.142% | 8,858 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,574 | +0.078% | 3,610 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,563 | +0.013% | 2,227 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | -$551 | -0.117% | 660 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,938 | +0.315% | 637 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
8 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
9 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
10 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,818 | +0.246% | 2,514 | |
11 | THE GOLDEN 1 | Exceptional | Strong | Strong | Sound | Exceptional | -$264 | +0.044% | 1,163 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
13 | NMSI, INC. | Strong | Sound | Sound | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
14 | SCHOOLSFIRST | Strong | Strong | Sound | Sound | Exceptional | $374 | -0.013% | 1,736 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$791 | +0.009% | 1,452 | |
16 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,357 | +0.170% | 738 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,214 | +0.536% | 683 | |
18 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,193 | +0.407% | 642 | |
19 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,295 | +0.151% | 598 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,238 | +0.068% | 7,658 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $241 | -0.196% | 6,267 | |
22 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,771 | +0.562% | 4,583 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
27 | BMO Bank National Association | Strong | Sound | Strong | Sound | Exceptional | -$405 | -0.030% | 2,800 | |
28 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,558 | +0.295% | 2,476 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,187 | +0.393% | 2,207 | |
31 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
32 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,972 | +0.349% | 978 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,461 | +0.438% | 3,541 | |
35 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,902 | +0.361% | 2,371 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.439% | 1,343 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,545 | +0.254% | 1,170 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,263 | +0.161% | 882 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,050 | +0.240% | 842 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,745 | +0.185% | 824 | |
42 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,688 | +0.543% | 823 | |
43 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $2,143 | +0.231% | 754 | |
44 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $3,267 | +0.578% | 749 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,344 | +0.432% | 729 | |
46 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
47 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $2,937 | +0.365% | 668 | |
48 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,224 | +0.410% | 662 | |
49 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,128 | +0.645% | 913 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,495 | +0.440% | 836 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
CaliforniaFHA
No credit impact
3-minute process
100% free