# Best FHA Mortgage Lenders in the US

**As of:** 2026-06-04

Compare the top FHA mortgage lenders in the US. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/local/national/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 2,386
- **Total Loans:** 3,560,099
- **Median Rate Spread:** 0.20338265534197586%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 78 | 52 | 100 | 81 | N/A | $2828 | 0.185% | 285,901 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 2 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | 77 | 61 | 91 | 79 | N/A | $2079 | 0.294% | 14,849 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Ark-La-Tex Financial Services directly or with a mortgage broker. |
| 3 | [VANDERBILT MORTGAGE AND FINANCE, INC.](https://saferate.com/lenders/vanderbilt-mortgage-and-finance) | 77 | 59 | 88 | 83 | N/A | $3102 | 0.063% | 7,432 | Independent Mortgage Company | Direct | — |
| 4 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | 76 | 78 | 91 | 59 | N/A | $1952 | 0.038% | 35,887 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Pennymac Loan Services directly or with a mortgage broker. |
| 5 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 76 | 75 | 87 | 65 | N/A | $415 | 0.374% | 18,842 | Bank | Direct | — |
| 6 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 74 | 59 | 95 | 68 | N/A | $2582 | 0.136% | 57,340 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 7 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | 74 | 65 | 95 | 62 | N/A | $2402 | 0.164% | 37,313 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Freedom Mortgage Corporation directly or with a mortgage broker. |
| 8 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 74 | 58 | 92 | 71 | N/A | $2572 | 0.351% | 23,726 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 9 | [Prosperity Home Mortgage, LLC](https://saferate.com/lenders/prosperity-home-mortgage) | 74 | 63 | 88 | 72 | N/A | $2384 | 0.287% | 18,786 | Independent Mortgage Company | Direct | — |
| 10 | [Manufacturers and Traders Trust Company](https://saferate.com/lenders/manufacturers-and-traders-trust) | 74 | 74 | 85 | 65 | N/A | $1064 | 0.105% | 7,577 | Bank | Direct | — |
| 11 | [FLAT BRANCH MORTGAGE, INC.](https://saferate.com/lenders/flat-branch-mortgage) | 73 | 43 | 91 | 85 | N/A | $1570 | 0.401% | 13,335 | Independent Mortgage Company | Direct | — |
| 12 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 72 | 36 | 100 | 81 | N/A | $3881 | 0.334% | 266,411 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 13 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | 72 | 55 | 90 | 71 | N/A | $2761 | 0.348% | 13,399 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 14 | [Ameris Bank](https://saferate.com/lenders/ameris-bank) | 72 | 50 | 87 | 78 | N/A | $2801 | 0.172% | 11,244 | Bank | Direct | — |
| 15 | [NBKC BANK](https://saferate.com/lenders/nbkc-bank) | 72 | 88 | 73 | 54 | N/A | $560 | -0.167% | 7,357 | Bank | Direct | — |
| 16 | [NFM, INC.](https://saferate.com/lenders/nfm) | 71 | 40 | 90 | 83 | N/A | $3705 | 0.346% | 16,100 | Independent Mortgage Company | Direct | — |
| 17 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 71 | 72 | 82 | 58 | N/A | $542 | 0.263% | 10,811 | Bank | Direct | — |
| 18 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 70 | 65 | 85 | 60 | N/A | $283 | 0.033% | 37,416 | Bank | Direct | — |
| 19 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | 70 | 38 | 92 | 79 | N/A | $3469 | 0.467% | 11,689 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Cardinal Financial Company, Limited Partnership directly or with a mortgage broker. |
| 20 | [CMG MORTGAGE, INC.](https://saferate.com/lenders/cmg-mortgage) | 69 | 32 | 94 | 79 | N/A | $2940 | 0.289% | 46,733 | Independent Mortgage Company | Direct | — |
| 21 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 69 | 49 | 86 | 72 | N/A | $2398 | 0.284% | 16,835 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 22 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 69 | 75 | 80 | 53 | N/A | $802 | 0.078% | 13,874 | Bank | Direct | — |
| 23 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | 68 | 29 | 96 | 80 | N/A | $3553 | 0.387% | 58,550 | Independent Mortgage Company | Direct | — |
| 24 | [MOVEMENT MORTGAGE, LLC](https://saferate.com/lenders/movement-mortgage) | 68 | 30 | 94 | 79 | N/A | $2921 | 0.343% | 51,046 | Independent Mortgage Company | Direct | — |
| 25 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | 68 | 47 | 91 | 66 | N/A | $2989 | 0.278% | 11,610 | Bank | Wholesale | Pricing may vary between mortgage brokers. |
| 26 | [Regions Bank](https://saferate.com/lenders/regions-bank) | 68 | 60 | 85 | 59 | N/A | $1948 | 0.333% | 10,811 | Bank | Direct | — |
| 27 | [FIRST COMMUNITY MORTGAGE, INC.](https://saferate.com/lenders/first-community-mortgage) | 68 | 33 | 88 | 84 | N/A | $2818 | 0.429% | 9,840 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with First Community Mortgage directly or with a mortgage broker. |
| 28 | [Citizens Bank, National Association](https://saferate.com/lenders/citizens-bank-national-association) | 68 | 74 | 78 | 54 | N/A | $1074 | 0.029% | 9,612 | Bank | Direct | — |
| 29 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | 67 | 52 | 93 | 56 | N/A | $2479 | 0.382% | 32,880 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Newrez Llc directly or with a mortgage broker. |
| 30 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | 66 | 20 | 95 | 82 | N/A | $3254 | 0.445% | 61,160 | Independent Mortgage Company | Direct | — |
| 31 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | 66 | 38 | 92 | 68 | N/A | $2477 | 0.229% | 51,353 | Independent Mortgage Company | Direct | — |
| 32 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 66 | 62 | 78 | 56 | N/A | $186 | 0.120% | 11,250 | Bank | Direct | — |
| 33 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | 66 | 39 | 87 | 72 | N/A | $3899 | 0.665% | 8,372 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 34 | [PRIMELENDING, A PLAINSCAPITAL COMPANY](https://saferate.com/lenders/primelending-a-plainscapital) | 65 | 22 | 91 | 82 | N/A | $3445 | 0.321% | 21,082 | Independent Mortgage Company | Direct | — |
| 35 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | 65 | 33 | 90 | 72 | N/A | $3279 | 0.479% | 17,073 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Paramount Residential Mortgage Group directly or with a mortgage broker. |
| 36 | [BAY EQUITY LLC](https://saferate.com/lenders/bay-equity) | 65 | 37 | 85 | 72 | N/A | $2852 | 0.180% | 9,468 | Independent Mortgage Company | Direct | — |
| 37 | [Bell Bank](https://saferate.com/lenders/bell-bank) | 65 | 36 | 81 | 80 | N/A | $2876 | 0.274% | 7,696 | Bank | Direct | — |
| 38 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | 65 | 33 | 86 | 75 | N/A | $3577 | 0.263% | 7,145 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Sierra Pacific Mortgage Company directly or with a mortgage broker. |
| 39 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 64 | 22 | 91 | 80 | N/A | $2996 | 0.562% | 23,240 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 40 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 62 | 59 | 79 | 47 | N/A | $2283 | 0.135% | 67,126 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 41 | [LOWER, LLC](https://saferate.com/lenders/lower) | 62 | 29 | 90 | 66 | N/A | $2834 | 0.450% | 15,793 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Lower directly or with a mortgage broker. |
| 42 | [PLAZA HOME MORTGAGE, INC.](https://saferate.com/lenders/plaza-home-mortgage) | 62 | 30 | 90 | 65 | N/A | $2801 | 0.380% | 11,165 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 43 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | 62 | 25 | 91 | 69 | N/A | $2206 | 0.608% | 9,656 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with American Financial Network directly or with a mortgage broker. |
| 44 | [DAS Acquisition Company, LLC](https://saferate.com/lenders/das-acquisition-company) | 62 | 18 | 88 | 82 | N/A | $2766 | 0.587% | 7,507 | Independent Mortgage Company | Direct | — |
| 45 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 61 | 19 | 96 | 69 | N/A | $3549 | 0.497% | 86,295 | Independent Mortgage Company | Direct | — |
| 46 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | 61 | 10 | 92 | 81 | N/A | $4289 | 0.552% | 17,767 | Independent Mortgage Company | Direct | — |
| 47 | [ZILLOW HOME LOANS, LLC](https://saferate.com/lenders/zillow-home-loans) | 61 | 34 | 82 | 67 | N/A | $2906 | 0.435% | 9,356 | Independent Mortgage Company | Direct | — |
| 48 | [EVERETT FINANCIAL, INC.](https://saferate.com/lenders/everett-financial) | 60 | 9 | 90 | 80 | N/A | $4249 | 0.678% | 13,110 | Independent Mortgage Company | Direct | — |
| 49 | [GUARANTEED RATE AFFINITY, LLC](https://saferate.com/lenders/guaranteed-rate-affinity) | 59 | 33 | 81 | 63 | N/A | $2588 | 0.279% | 12,743 | Independent Mortgage Company | Direct | — |
| 50 | [MUTUAL OF OMAHA MORTGAGE, INC.](https://saferate.com/lenders/mutual-of-omaha-mortgage) | 59 | 36 | 84 | 56 | N/A | $2029 | 0.181% | 11,542 | Independent Mortgage Company | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within the US.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.