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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 Merced
Updated February 5, 2026
Market Overview
43
Total Lenders
1,734
Total Loans
0.37%
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 | $3,707 | +0.220% | 349 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $4,878 | +0.377% | 16 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,380 | +0.267% | 160 | |
4 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,464 | +0.831% | 47 | |
5 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,490 | +0.393% | 46 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,228 | +0.115% | 21 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,040 | +0.091% | 32 | |
8 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $4,584 | +0.328% | 11 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,018 | +0.393% | 44 | |
10 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,294 | +0.315% | 44 | |
11 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,140 | +0.311% | 43 | |
12 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $6,991 | +0.571% | 33 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,994 | +0.240% | 28 | |
14 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $6,050 | +0.490% | 102 | |
15 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,305 | +0.244% | 53 | |
16 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,577 | +0.519% | 37 | |
17 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,772 | +0.461% | 36 | |
18 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,726 | +0.477% | 27 | |
19 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,946 | +0.510% | 25 | |
20 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,870 | +0.232% | 21 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,062 | +0.509% | 21 | |
22 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,227 | +0.340% | 19 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,923 | +0.418% | 16 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,904 | +0.555% | 15 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $6,375 | +0.686% | 13 | |
26 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $6,609 | +0.075% | 11 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,612 | +0.529% | 55 | |
28 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,736 | +0.202% | 11 | |
29 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,461 | +0.732% | 19 | |
30 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,275 | +0.424% | 19 | |
31 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $5,121 | +0.356% | 13 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $5,502 | +0.855% | 11 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,158 | +0.589% | 13 |
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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