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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 Lenders in Riverside
Updated February 5, 2026
Market Overview
250
Total Lenders
45,263
Total Loans
0.37%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,298 | +0.280% | 117 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,170 | +0.169% | 7,468 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,572 | -0.043% | 539 | |
4 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | -$2,831 | -0.056% | 136 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,946 | +0.369% | 114 | |
6 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142 | +0.097% | 1,774 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $906 | +0.048% | 677 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,000 | +0.111% | 585 | |
9 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,874 | -0.190% | 152 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,134 | +0.340% | 102 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050 | +0.197% | 3,925 | |
12 | SCHOOLSFIRST | Strong | Strong | Sound | Sound | Exceptional | $478 | +0.065% | 554 | |
13 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,811 | +0.261% | 547 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,896 | +0.337% | 491 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,052 | +0.372% | 264 | |
16 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,429 | +0.357% | 148 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,417 | +0.479% | 142 | |
18 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,860 | +0.227% | 128 | |
19 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,169 | +0.166% | 117 | |
20 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,622 | +0.172% | 96 | |
21 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,713 | +0.519% | 1,452 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,734 | +0.182% | 910 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,922 | +0.468% | 817 | |
24 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,872 | +0.239% | 376 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,291 | +0.443% | 374 | |
27 | NMSI, INC. | Strong | Sound | Sound | Exceptional | Strong | $3,237 | +0.307% | 358 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,075 | -0.182% | 182 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,543 | +0.288% | 129 | |
30 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,105 | +0.393% | 129 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.150% | 562 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | +0.486% | 472 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,235 | +0.377% | 360 | |
34 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,760 | +0.019% | 353 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,391 | +0.260% | 334 | |
36 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,340 | +0.146% | 330 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,544 | +0.362% | 276 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,612 | +0.542% | 260 | |
39 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $2,722 | +0.464% | 222 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.256% | 220 | |
41 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,987 | +0.256% | 219 | |
42 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $2,968 | +0.382% | 136 | |
43 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,376 | +0.475% | 129 | |
44 | FIRST NATIONS HOME FINANCE CORPORATION | Strong | Sound | Sound | Strong | Strong | $2,953 | +0.258% | 127 | |
45 | ONY GLO, INC. | Strong | Sound | Strong | Sound | Strong | $3,504 | +0.395% | 125 | |
46 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,377 | +0.521% | 123 | |
47 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,138 | +0.126% | 118 | |
48 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $3,000 | +0.382% | 111 | |
49 | EZ FUNDINGS INC. | Strong | Acceptable | Strong | Strong | Strong | $4,638 | +0.430% | 196 | |
50 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,503 | +0.643% | 135 |
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.
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