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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 Lenders in Lancaster
Updated February 5, 2026
Market Overview
70
Total Lenders
4,098
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Traditions Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,352 | +0.205% | 52 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,702 | +0.428% | 45 | |
3 | Fulton Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $2,478 | +0.192% | 285 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,671 | +0.148% | 150 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,821 | +0.273% | 104 | |
6 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $379 | +0.204% | 33 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
8 | MEMBERS 1ST | Strong | Strong | Sound | Strong | Strong | $1,217 | +0.101% | 75 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,143 | +0.270% | 71 | |
10 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,841 | +0.525% | 40 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,979 | +0.247% | 523 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,703 | +0.323% | 144 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,015 | +0.289% | 137 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Acceptable | $3,145 | +0.014% | 10 | |
15 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,171 | +0.447% | 104 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.313% | 70 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.233% | 62 | |
18 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,134 | +0.357% | 50 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,915 | +0.881% | 20 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,891 | +0.474% | 161 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.136% | 24 | |
22 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,931 | +1.392% | 10 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,478 | +0.250% | 148 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,910 | +0.650% | 39 | |
25 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Sound | $4,720 | +0.589% | 17 |
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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