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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 Company Lenders in Fresno
Updated February 5, 2026
Market Overview
43
Total Lenders
9,533
Total Loans
0.40%
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 | $3,709 | +0.246% | 1,664 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,522 | +0.204% | 71 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,234 | +0.149% | 62 | |
4 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,961 | +0.295% | 784 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,470 | +0.192% | 165 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,923 | +0.275% | 818 | |
7 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $6,582 | +0.428% | 109 | |
8 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,760 | +0.285% | 107 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,549 | +0.280% | 87 | |
10 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $2,661 | +0.238% | 56 | |
11 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $5,649 | +0.539% | 43 | |
12 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,936 | +0.214% | 27 | |
13 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,876 | +0.296% | 290 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,863 | +0.074% | 72 | |
15 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,907 | +0.009% | 23 | |
16 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,229 | +0.608% | 654 | |
17 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,336 | +0.399% | 331 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,891 | +0.368% | 183 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,650 | +0.098% | 175 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,385 | +0.571% | 84 | |
21 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,685 | +0.182% | 64 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,563 | +0.490% | 61 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,200 | +0.430% | 53 | |
24 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $3,073 | +0.301% | 52 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,448 | +0.398% | 40 | |
26 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $1,717 | +0.476% | 26 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,673 | +0.472% | 91 | |
28 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,953 | +0.920% | 48 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,563 | +0.954% | 45 | |
30 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,377 | +0.470% | 43 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,551 | +0.196% | 42 | |
32 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,498 | +0.465% | 39 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,223 | +0.461% | 39 | |
34 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,882 | +0.016% | 38 | |
35 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,774 | +0.373% | 88 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,088 | +0.406% | 63 | |
37 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,208 | +0.727% | 36 | |
38 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,741 | +0.608% | 31 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,109 | +0.976% | 27 | |
40 | BAY-VALLEY MORTGAGE GROUP | Sound | Mediocre | Strong | Strong | Strong | $6,049 | +0.480% | 47 | |
41 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,960 | +0.467% | 47 | |
42 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,553 | +0.765% | 29 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,421 | +0.643% | 48 |
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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