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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 Company Lenders in Modesto
Updated February 5, 2026
Market Overview
36
Total Lenders
4,010
Total Loans
0.28%
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 | $3,848 | +0.234% | 691 | |
2 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $5,301 | +0.368% | 29 | |
3 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,912 | +0.383% | 170 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $4,326 | +0.223% | 37 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,145 | +0.211% | 445 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,526 | +0.026% | 119 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,579 | +0.002% | 33 | |
8 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,565 | +0.406% | 232 | |
9 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,527 | +0.430% | 140 | |
10 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,385 | +0.399% | 139 | |
11 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,870 | +0.377% | 113 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,154 | +0.462% | 112 | |
13 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,282 | +0.393% | 64 | |
14 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,062 | +0.704% | 51 | |
15 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,155 | +0.343% | 50 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,510 | -0.067% | 35 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,379 | +0.424% | 24 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,917 | +0.432% | 15 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,719 | +0.500% | 219 | |
20 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,518 | +0.431% | 66 | |
21 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $7,302 | +0.515% | 62 | |
22 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,809 | +0.163% | 33 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,483 | +0.685% | 17 | |
24 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Sound | $5,205 | +0.377% | 16 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,554 | +0.413% | 16 | |
26 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $5,687 | +0.407% | 13 | |
27 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,109 | +0.432% | 12 | |
28 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $8,727 | +0.436% | 10 | |
29 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,712 | +0.457% | 10 | |
30 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,961 | +0.509% | 32 | |
31 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,566 | +0.484% | 18 | |
32 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,846 | +0.542% | 23 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,366 | +0.610% | 22 | |
34 | LEADERONE FINANCIAL CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,683 | +0.494% | 15 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,801 | +0.656% | 24 | |
36 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,988 | +0.820% | 15 |
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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