# Best FHA Mortgage Lenders in Riverside

**As of:** 2026-05-23

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

> **Canonical URL:** https://saferate.com/riverside/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:** 250
- **Total Loans:** 45,263
- **Median Rate Spread:** 0.3712731092436975%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 117 | Independent Mortgage Company |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 7,468 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 539 | Independent Mortgage Company |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 61 | 79 | 114 | Independent Mortgage Company |
| 5 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 1,774 | Independent Mortgage Company |
| 6 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 3,925 | Independent Mortgage Company |
| 7 | U.S. Bank National Association | 79 | 65 | 60 | 677 | Bank |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 585 | Independent Mortgage Company |
| 9 | THE LOAN STORE, INC. | 79 | 49 | 72 | 547 | Independent Mortgage Company |
| 10 | Flagstar Bank, N.A. | 79 | 58 | 71 | 491 | Bank |
| 11 | KIND LENDING, LLC | 79 | 55 | 71 | 264 | Independent Mortgage Company |
| 12 | GoodLeap, LLC | 79 | 62 | 58 | 152 | Independent Mortgage Company |
| 13 | NATIONS DIRECT MORTGAGE, LLC | 79 | 46 | 68 | 148 | Independent Mortgage Company |
| 14 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 142 | Independent Mortgage Company |
| 15 | First-Citizens Bank & Trust Company | 79 | 95 | 57 | 136 | Bank |
| 16 | PLANET HOME LENDING, LLC | 79 | 51 | 76 | 128 | Independent Mortgage Company |
| 17 | FIRST COLONY MORTGAGE CORPORATION | 79 | 56 | 80 | 117 | Independent Mortgage Company |
| 18 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 102 | Independent Mortgage Company |
| 19 | OCMBC, INC. | 75 | 39 | 72 | 1,452 | Independent Mortgage Company |
| 20 | Paramount Residential Mortgage Group, Inc. | 75 | 33 | 72 | 817 | Independent Mortgage Company |
| 21 | FRANKLIN LOAN CORPORATION | 75 | 32 | 89 | 595 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 374 | Independent Mortgage Company |
| 23 | NFM, INC. | 75 | 40 | 83 | 182 | Independent Mortgage Company |
| 24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 129 | Independent Mortgage Company |
| 25 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 74 | 60 | 61 | 129 | Independent Mortgage Company |
| 26 | RESICENTRAL, LLC | 74 | 68 | 56 | 96 | Independent Mortgage Company |
| 27 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 910 | Bank |
| 28 | SCHOOLSFIRST | 73 | 71 | 49 | 554 | Credit Union |
| 29 | NEWREZ LLC | 73 | 52 | 56 | 376 | Independent Mortgage Company |
| 30 | NMSI, INC. | 73 | 55 | 88 | 358 | Independent Mortgage Company |
| 31 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 562 | Independent Mortgage Company |
| 32 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 25 | 69 | 472 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 360 | Independent Mortgage Company |
| 34 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 334 | Independent Mortgage Company |
| 35 | SUN WEST MORTGAGE COMPANY, INC. | 71 | 36 | 64 | 330 | Independent Mortgage Company |
| 36 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 276 | Independent Mortgage Company |
| 37 | Equity Prime Mortgage LLC | 71 | 22 | 63 | 260 | Independent Mortgage Company |
| 38 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 220 | Independent Mortgage Company |
| 39 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 219 | Independent Mortgage Company |
| 40 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 71 | 30 | 75 | 129 | Independent Mortgage Company |
| 41 | Commerce Home Mortgage, Inc. | 71 | 27 | 73 | 123 | Independent Mortgage Company |
| 42 | BAY EQUITY LLC | 71 | 37 | 72 | 118 | Independent Mortgage Company |
| 43 | Wells Fargo Bank, National Association | 69 | 57 | 42 | 353 | Bank |
| 44 | Hometown Equity Mortgage, LLC | 69 | 54 | 58 | 222 | Independent Mortgage Company |
| 45 | JMAC LENDING, INC. | 69 | 57 | 58 | 136 | Independent Mortgage Company |
| 46 | FIRST NATIONS HOME FINANCE CORPORATION | 69 | 43 | 68 | 127 | Independent Mortgage Company |
| 47 | ONY GLO, INC. | 69 | 46 | 55 | 125 | Independent Mortgage Company |
| 48 | STG MORTGAGE INC | 69 | 54 | 57 | 111 | Independent Mortgage Company |
| 49 | EZ FUNDINGS INC. | 67 | 36 | 75 | 196 | Independent Mortgage Company |
| 50 | FlexPoint, Inc. | 67 | 33 | 63 | 135 | 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 Riverside.

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.