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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 Los Angeles
Updated February 5, 2026
Market Overview
260
Total Lenders
47,658
Total Loans
0.33%
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 | $2,761 | +0.190% | 6,340 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$381 | -0.083% | 1,471 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,252 | +0.029% | 301 | |
4 | AUGUSTA FINANCIAL, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $3,205 | +0.238% | 292 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $65 | -0.093% | 172 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,251 | +0.422% | 141 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,583 | +0.124% | 546 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,956 | +0.086% | 666 | |
10 | NMSI, INC. | Strong | Sound | Sound | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,723 | +0.235% | 435 | |
12 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
13 | SCHOOLSFIRST | Strong | Strong | Sound | Sound | Exceptional | $502 | -0.002% | 380 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,651 | +0.272% | 288 | |
15 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,062 | +0.398% | 236 | |
16 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,331 | +0.201% | 167 | |
17 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,725 | +0.288% | 112 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,965 | +0.072% | 1,827 | |
19 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,722 | +0.549% | 1,671 | |
20 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $679 | -0.229% | 878 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,546 | +0.347% | 355 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,234 | +0.323% | 318 | |
23 | MORTGAGE CAPITAL PARTNERS, INC. | Strong | Sound | Sound | Strong | Exceptional | $4,069 | +0.289% | 252 | |
24 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,569 | +0.625% | 153 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,720 | +0.423% | 556 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.287% | 466 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,463 | +0.340% | 426 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,035 | +0.411% | 338 | |
30 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.155% | 256 | |
31 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,343 | +0.722% | 215 | |
32 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $4,026 | +0.621% | 211 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,743 | +0.330% | 175 | |
35 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,596 | +0.265% | 157 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,255 | +0.206% | 150 | |
37 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,233 | +0.336% | 145 | |
38 | CAMPOS FINANCIAL CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $4,288 | +0.427% | 138 | |
39 | ONY GLO, INC. | Strong | Sound | Strong | Sound | Strong | $2,601 | +0.151% | 136 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,992 | +0.445% | 124 | |
41 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $3,037 | +0.430% | 121 | |
42 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $3,177 | +0.295% | 117 | |
43 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $758 | -0.218% | 709 | |
44 | ROYAL PACIFIC FUNDING CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $4,708 | +0.564% | 401 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,103 | +0.517% | 238 | |
46 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,042 | +0.406% | 217 | |
47 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,953 | +0.621% | 184 | |
48 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Strong | Strong | $4,203 | +0.383% | 182 | |
49 | NEW WAVE LENDING GROUP INC | Strong | Acceptable | Sound | Sound | Exceptional | $3,720 | +0.542% | 777 | |
50 | MK LENDING CORP. | Strong | Acceptable | Strong | Sound | Strong | $4,255 | +0.456% | 228 |
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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