# Best FHA Mortgage Lenders in Racine

**As of:** 2026-05-21

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

> **Canonical URL:** https://saferate.com/racine/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:** 53
- **Total Loans:** 2,062
- **Median Rate Spread:** 0.39464150943396226%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Bank Five Nine | 85 | 76 | 82 | 83 | Bank |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 54 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 32 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 15 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 75 | 36 | 81 | 144 | Independent Mortgage Company |
| 6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 100 | Independent Mortgage Company |
| 7 | WISCONSIN MORTGAGE CORPORATION | 74 | 80 | 60 | 34 | Independent Mortgage Company |
| 8 | GATEWAY MORTGAGE CORPORATION | 73 | 48 | 83 | 54 | Independent Mortgage Company |
| 9 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 17 | Independent Mortgage Company |
| 10 | PLANET HOME LENDING, LLC | 73 | 51 | 76 | 12 | Independent Mortgage Company |
| 11 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 11 | Independent Mortgage Company |
| 12 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 55 | Independent Mortgage Company |
| 13 | JPMorgan Chase Bank, National Association | 69 | 59 | 47 | 59 | Bank |
| 14 | TRUSTONE FINANCIAL CREDIT UNION | 69 | 58 | 45 | 36 | Credit Union |
| 15 | NEWREZ LLC | 68 | 52 | 56 | 26 | Independent Mortgage Company |
| 16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 11 | Independent Mortgage Company |
| 17 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 67 | Independent Mortgage Company |
| 18 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 12 | Independent Mortgage Company |
| 19 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 60 | 11 | 81 | 30 | Independent Mortgage Company |
| 20 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 16 | Independent Mortgage Company |
| 21 | SECURITYNATIONAL MORTGAGE COMPANY | 56 | 12 | 77 | 13 | Independent Mortgage Company |
| 22 | NATIONS RELIABLE LENDING, LLC | 56 | 17 | 70 | 11 | Independent Mortgage Company |
| 23 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 17 | 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 Racine.

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.