# Best FHA Mortgage Lenders in Nassau County

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/nassau-county/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:** 115
- **Total Loans:** 22,725
- **Median Rate Spread:** 0.21122123893805309%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 2,441 | Independent Mortgage Company |
| 2 | Manufacturers and Traders Trust Company | 85 | 74 | 65 | 172 | Bank |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,401 | Independent Mortgage Company |
| 4 | Citizens Bank, National Association | 79 | 74 | 54 | 593 | Bank |
| 5 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 421 | Independent Mortgage Company |
| 6 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 229 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 79 | 65 | 60 | 192 | Bank |
| 8 | Flagstar Bank, N.A. | 79 | 58 | 71 | 138 | Bank |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 78 | Independent Mortgage Company |
| 10 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 75 | 38 | 79 | 495 | Independent Mortgage Company |
| 11 | EMBRACE HOME LOANS, INC. | 75 | 35 | 71 | 464 | Independent Mortgage Company |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 176 | Independent Mortgage Company |
| 13 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 74 | 60 | 61 | 178 | Independent Mortgage Company |
| 14 | MID-ISLAND MORTGAGE CORP. | 74 | 52 | 61 | 156 | Independent Mortgage Company |
| 15 | NJ LENDERS CORP. | 74 | 56 | 66 | 151 | Independent Mortgage Company |
| 16 | 1ST PRIORITY MORTGAGE, INC. | 74 | 59 | 66 | 91 | Independent Mortgage Company |
| 17 | Evolve Bank & Trust | 74 | 49 | 71 | 73 | Bank |
| 18 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 1,367 | Bank |
| 19 | Wells Fargo Bank, National Association | 73 | 57 | 42 | 553 | Bank |
| 20 | Bethpage Federal Credit Union | 73 | 68 | 43 | 486 | Credit Union |
| 21 | NEWREZ LLC | 73 | 52 | 56 | 357 | Independent Mortgage Company |
| 22 | ALLIED MORTGAGE GROUP, INC. | 73 | 54 | 68 | 52 | Independent Mortgage Company |
| 23 | EAST COAST CAPITAL CORP. | 71 | 23 | 68 | 398 | Independent Mortgage Company |
| 24 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 352 | Independent Mortgage Company |
| 25 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 299 | Independent Mortgage Company |
| 26 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 174 | Independent Mortgage Company |
| 27 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 115 | Independent Mortgage Company |
| 28 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 112 | Independent Mortgage Company |
| 29 | LYNX MORTGAGE BANK LLC | 69 | 57 | 67 | 164 | Independent Mortgage Company |
| 30 | NORWICH COMMERCIAL GROUP, INC. | 69 | 53 | 60 | 126 | Independent Mortgage Company |
| 31 | HARTFORD FUNDING, LTD. | 67 | 20 | 62 | 180 | Independent Mortgage Company |
| 32 | The Federal Savings Bank | 66 | 26 | 53 | 276 | Bank |
| 33 | CONTOUR MORTGAGE CORPORATION | 63 | 17 | 65 | 1,411 | Independent Mortgage Company |
| 34 | NATIONWIDE MORTGAGE BANKERS, INC. | 63 | 6 | 73 | 937 | Independent Mortgage Company |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 904 | Independent Mortgage Company |
| 36 | UNITED MORTGAGE CORP. | 63 | 10 | 73 | 521 | Independent Mortgage Company |
| 37 | RELIANCE FIRST CAPITAL, LLC | 63 | N/A | 91 | 134 | Independent Mortgage Company |
| 38 | Bank of America, National Association | 63 | 35 | 43 | 340 | Bank |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 69 | Independent Mortgage Company |
| 40 | CLIFFCO, INC. | 60 | 15 | 74 | 419 | Independent Mortgage Company |
| 41 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 60 | 8 | 63 | 418 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 134 | Independent Mortgage Company |
| 43 | FM Home Loans, LLC | 58 | 37 | 46 | 116 | Independent Mortgage Company |
| 44 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | 57 | 18 | 64 | 206 | Independent Mortgage Company |
| 45 | Quontic Bank | 57 | 3 | 71 | 195 | Bank |
| 46 | INTERSTATE HOME LOAN CENTER, INC. | 57 | 5 | 70 | 110 | Independent Mortgage Company |
| 47 | US MORTGAGE CORPORATION | 57 | 12 | 65 | 100 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 171 | Independent Mortgage Company |
| 49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 56 | 17 | 70 | 48 | Independent Mortgage Company |
| 50 | JET DIRECT FUNDING CORP | 53 | 8 | 57 | 170 | Independent Mortgage Company |

## 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 Nassau County.

Our composite SafeRate Score is derived using an equal, geometric weighting 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.