🛡️
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 Sacramento
Updated February 5, 2026
Market Overview
183
Total Lenders
25,209
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,882 | +0.149% | 5,307 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,542 | -0.008% | 199 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216 | -0.164% | 860 | |
4 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $788 | -0.006% | 502 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,913 | +0.074% | 354 | |
7 | THE GOLDEN 1 | Exceptional | Strong | Strong | Sound | Exceptional | $715 | +0.140% | 287 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,233 | +0.328% | 57 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,118 | +0.382% | 352 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,086 | +0.149% | 262 | |
12 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,135 | +0.591% | 85 | |
13 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,126 | +0.096% | 80 | |
14 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,369 | +0.083% | 74 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,384 | +0.260% | 196 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,746 | +0.374% | 136 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,231 | +0.307% | 133 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,827 | +0.311% | 58 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,866 | +0.416% | 700 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,218 | +0.221% | 309 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.340% | 276 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,050 | +0.298% | 154 | |
27 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,708 | +0.726% | 122 | |
28 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,673 | +0.219% | 91 | |
29 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,242 | +0.383% | 170 | |
30 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,288 | +0.355% | 129 | |
31 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,270 | +0.253% | 105 | |
32 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,747 | +0.292% | 79 | |
33 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,641 | +0.303% | 78 | |
34 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | Strong | $3,805 | +0.246% | 75 | |
35 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,607 | +0.242% | 74 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,885 | +0.564% | 70 | |
37 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,216 | +0.033% | 59 | |
38 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $3,455 | +0.281% | 56 | |
39 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,326 | +0.125% | 53 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,815 | +0.024% | 142 | |
42 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,188 | +0.298% | 81 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
44 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Strong | Strong | Strong | $3,487 | +0.312% | 119 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,239 | +0.361% | 59 |
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
SacramentoFHA
No credit impact
3-minute process
100% free