🛡️
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 United States
Updated February 6, 2026
Market Overview
44
Total Lenders
3,560,099
Total Loans
0.20%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | — | $2,402 | +0.164% | 37,313 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | — | $2,079 | +0.294% | 14,849 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | — | $1,952 | +0.038% | 35,887 | |
6 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | — | $3,102 | +0.063% | 7,432 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | — | $3,254 | +0.445% | 61,160 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | — | $2,479 | +0.382% | 32,880 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | — | $2,996 | +0.562% | 23,240 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | — | $3,445 | +0.321% | 21,082 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $3,705 | +0.346% | 16,100 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $2,818 | +0.429% | 9,840 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,588 | +0.279% | 12,743 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
28 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
29 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,906 | +0.435% | 9,356 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | — | $3,519 | +0.812% | 9,354 | |
31 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | — | $3,899 | +0.665% | 8,372 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | — | $1,956 | +0.540% | 60,588 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | — | $4,289 | +0.552% | 17,767 | |
35 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | — | $4,249 | +0.678% | 13,110 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | — | $2,029 | +0.181% | 11,542 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | — | $4,326 | +0.441% | 8,697 | |
38 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | — | $2,766 | +0.587% | 7,507 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
40 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | — | $3,487 | +0.386% | 21,352 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | — | $4,134 | +0.531% | 8,466 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | — | $3,961 | +0.505% | 8,262 | |
43 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | — | $4,167 | +0.581% | 7,561 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | — | $3,182 | +0.556% | 37,119 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
United StatesFHA
No credit impact
3-minute process
100% free