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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 Lenders in Lakewood

Updated February 5, 2026

Market Overview

204

Total Lenders

24,796

Total Loans

0.31%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,026	+0.163%	1,644
2	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,809	+0.258%	517
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$1,925	+0.059%	274
4	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,471	+0.276%	199
5	Manufacturers and Traders Trust Company	Exceptional	Strong	Exceptional	Strong	Strong	$888	-0.057%	127
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,326	+0.330%	77
7	Advisors Mortgage Group, L.L.C.	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,168	+0.246%	985
8	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,497	+0.202%	592
9	TD Bank, National Association	Exceptional	Strong	Strong	Sound	Exceptional	$893	+0.114%	303
10	PINNACLE MORTGAGE, INC.	Exceptional	Strong	Sound	Exceptional	Strong	$1,042	+0.136%	63
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,334	+0.193%	2,121
12	NJ LENDERS CORP.	Strong	Sound	Strong	Strong	Exceptional	$1,746	+0.021%	502
13	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,736	+0.341%	112
14	MLD MORTGAGE INC.	Strong	Sound	Exceptional	Strong	Strong	$1,460	+0.046%	101
15	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,259	+0.520%	83
16	NATIONS DIRECT MORTGAGE, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,121	+0.187%	72
17	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$2,958	+0.496%	68
18	ALLIED MORTGAGE GROUP, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,526	+0.287%	62
19	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,784	+0.095%	731
20	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,513	-0.123%	482
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,580	+0.356%	448
22	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,614	+0.468%	419
23	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,086	+0.345%	337
24	BOND STREET MORTGAGE, LLC	Strong	Sound	Strong	Strong	Strong	$2,582	+0.298%	160
25	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,892	+0.364%	157
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,625	+0.399%	139
27	Nations Lending Corporation	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,043	+0.611%	81
28	GREENTREE MORTGAGE COMPANY, L.P.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,150	+0.245%	76
29	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Sound	$2,480	-0.011%	68
30	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Sound	$3,300	+0.382%	60
31	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$3,092	+0.517%	296
32	GUARANTEED RATE AFFINITY, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,351	+0.180%	242
33	Provident Bank	Strong	Sound	Sound	Sound	Exceptional	$67	-0.089%	191
34	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,416	+0.328%	181
35	Gateway First Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,924	+0.474%	123
36	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,239	+0.399%	109
37	NORWICH COMMERCIAL GROUP, INC.	Strong	Sound	Strong	Sound	Strong	$3,095	+0.383%	109
38	MORTGAGE ACCESS CORP.	Strong	Sound	Strong	Sound	Strong	$2,917	+0.304%	92
39	AMERICAN FINANCIAL NETWORK, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,674	+0.380%	88
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,058	+0.341%	75
41	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$1,918	+0.253%	64
42	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$4,073	+0.555%	61
43	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,168	+0.283%	56
44	HOMEBRIDGE FINANCIAL SERVICES, INC.	Strong	Sound	Strong	Strong	Sound	$3,486	+0.389%	56
45	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,110	+0.320%	1,433
46	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,301	+0.420%	630
47	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Strong	$4,151	+0.334%	146
48	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$457	-0.131%	127
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$4,106	+0.505%	78
50	BAY EQUITY LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,302	+0.136%	64

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.

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