# Best Mortgage Lenders for FHA Loans in Modesto, CA - 2026


> **📋 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


> Compare the top FHA mortgage lenders in Modesto, CA across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Modesto, CA
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** FHA
- **Total Lenders in Market:** 65
- **Total Loan Volume:** 4,010
- **Last Updated:** 2026-02-05

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 2 | [DIRECTIONS EQUITY, LLC](https://saferate.com/lenders/directions-equity) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 3 | [KIND LENDING, LLC](https://saferate.com/lenders/kind-lending) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 4 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Acceptable 🙂 | Exceptional 🤩 |
| 5 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 6 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 7 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Strong 😀 | Strong 😀 | Strong 😀 |
| 8 | [PENNYMAC LOAN SERVICES, LLC](https://saferate.com/lenders/pennymac-loan-services) | Independent Mortgage Company | Strong 😀 | Strong 😀 | Sound ☺️ |
| 9 | [SCENIC OAKS FUNDING, LLC](https://saferate.com/lenders/scenic-oaks-funding) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 10 | [GUARANTEED RATE, INC.](https://saferate.com/lenders/guaranteed-rate) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 11 | [Synergy One Lending, Inc.](https://saferate.com/lenders/synergy-one-lending) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 12 | [GUILD MORTGAGE COMPANY LLC](https://saferate.com/lenders/guild-mortgage-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 13 | [Paramount Residential Mortgage Group, Inc.](https://saferate.com/lenders/paramount-residential-mortgage-group) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 14 | [OCMBC, INC.](https://saferate.com/lenders/ocmbc) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 15 | [AMERICAN FINANCIAL NETWORK, INC.](https://saferate.com/lenders/american-financial-network) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 16 | [NFM, INC.](https://saferate.com/lenders/nfm) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 17 | [FAIRWAY INDEPENDENT MORTGAGE CORPORATION](https://saferate.com/lenders/fairway-independent-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 18 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 19 | [NEWREZ LLC](https://saferate.com/lenders/newrez) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 20 | [FlexPoint, Inc.](https://saferate.com/lenders/flexpoint) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 21 | [AMERICAN PACIFIC MORTGAGE CORPORATION](https://saferate.com/lenders/american-pacific-mortgage) | Independent Mortgage Company | Strong 😀 | Mediocre 😐 | Exceptional 🤩 |
| 22 | [Sierra Pacific Mortgage Company, Inc.](https://saferate.com/lenders/sierra-pacific-mortgage-company) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 23 | [Equity Prime Mortgage LLC](https://saferate.com/lenders/equity-prime-mortgage) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |
| 24 | [FRANKLIN LOAN CORPORATION](https://saferate.com/lenders/franklin-loan) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Exceptional 🤩 |
| 25 | [CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP](https://saferate.com/lenders/cardinal-financial-company-limited-partnership) | Independent Mortgage Company | Strong 😀 | Acceptable 🙂 | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

---

*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-05*

[View interactive rankings on Safe Rate](https://saferate.com/modesto-ca/best-mortgage-lenders/fha-loans)