Safe Rate Rankings

Best FHA Mortgage Lenders in the US

Updated June 2, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders2386

Total Loans3,560,099

Median Rate Spread0.20%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,402Fees	0.164%Above	37,313
2	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	—	$415Fees	0.374%Above	18,842
3	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,384Fees	0.287%Above	18,786
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	—	$2,079Fees	0.294%Above	14,849
5	Manufacturers and Traders Trust CompanyBank	Exceptional	Strong	Exceptional	Strong	—	$1,064Fees	0.105%Above	7,577
6	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	—	$560Fees	0.167%Below	7,357
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	—	$2,828Fees	0.185%Above	285,901
8	U.S. Bank National AssociationBank	Strong	Strong	Exceptional	Sound	—	$283Fees	0.033%Above	37,416
9	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	—	$1,952Fees	0.038%Above	35,887
10	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	—	$1,570Fees	0.401%Above	13,335
11	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	—	$542Fees	0.263%Above	10,811
12	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	—	$3,102Fees	0.063%Above	7,432
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,582Fees	0.136%Above	57,340
14	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	—	$2,572Fees	0.351%Above	23,726
15	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,398Fees	0.284%Above	16,835
16	Truist BankBank	Strong	Strong	Strong	Sound	—	$802Fees	0.078%Above	13,874
17	KIND LENDING, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	—	$2,761Fees	0.348%Above	13,399
18	Plains Commerce BankBank	Strong	Sound	Exceptional	Strong	—	$2,989Fees	0.278%Above	11,610
19	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	—	$186Fees	0.120%Above	11,250
20	Ameris BankBank	Strong	Sound	Exceptional	Strong	—	$2,801Fees	0.172%Above	11,244
21	Citibank, National AssociationBank	Strong	Exceptional	Sound	Acceptable	—	$568Credit	0.252%Below	10,757
22	Citizens Bank, National AssociationBank	Strong	Strong	Strong	Sound	—	$1,074Fees	0.029%Above	9,612
23	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$3,881Fees	0.334%Above	266,411
24	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$3,254Fees	0.445%Above	61,160
25	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	—	$2,479Fees	0.382%Above	32,880
26	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$2,996Fees	0.562%Above	23,240
27	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$3,445Fees	0.321%Above	21,082
28	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$3,705Fees	0.346%Above	16,100
29	Regions BankBank	Strong	Sound	Exceptional	Sound	—	$1,948Fees	0.333%Above	10,811
30	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	—	$2,818Fees	0.429%Above	9,840
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	—	$2,283Fees	0.135%Above	67,126
32	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,553Fees	0.387%Above	58,550
33	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,477Fees	0.229%Above	51,353
34	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,921Fees	0.343%Above	51,046
35	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,940Fees	0.289%Above	46,733
36	Wells Fargo Bank, National AssociationBank	Strong	Sound	Strong	Sound	—	$1,660Fees	0.017%Below	34,079
37	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,279Fees	0.479%Above	17,073
38	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,834Fees	0.450%Above	15,793
39	GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,588Fees	0.279%Above	12,743
40	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,469Fees	0.467%Above	11,689
41	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,801Fees	0.380%Above	11,165
42	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,206Fees	0.608%Above	9,656
43	BAY EQUITY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,852Fees	0.180%Above	9,468
44	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$2,906Fees	0.435%Above	9,356
45	Equity Prime Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,519Fees	0.812%Above	9,354
46	OCMBC, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,899Fees	0.665%Above	8,372
47	Bell BankBank	Strong	Acceptable	Exceptional	Strong	—	$2,876Fees	0.274%Above	7,696
48	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	—	$3,577Fees	0.263%Above	7,145
49	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	—	$1,956Fees	0.540%Above	60,588
50	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	—	$2,029Fees	0.181%Above	11,542

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.