# Best FHA Mortgage Lenders in Sacramento

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

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

> **Canonical URL:** https://saferate.com/sacramento/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:** 183
- **Total Loans:** 25,209
- **Median Rate Spread:** 0.24468156424581006%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 5,307 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 199 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 860 | Independent Mortgage Company |
| 4 | THE LOAN STORE, INC. | 83 | 49 | 72 | 701 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 2,498 | Independent Mortgage Company |
| 6 | U.S. Bank National Association | 79 | 65 | 60 | 502 | Bank |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 354 | Independent Mortgage Company |
| 8 | KIND LENDING, LLC | 79 | 55 | 71 | 352 | Independent Mortgage Company |
| 9 | THE GOLDEN 1 | 79 | 65 | 53 | 287 | Credit Union |
| 10 | Flagstar Bank, N.A. | 79 | 58 | 71 | 262 | Bank |
| 11 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 85 | Independent Mortgage Company |
| 12 | CLM MORTGAGE, INC. | 79 | 44 | 82 | 80 | Independent Mortgage Company |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 57 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 828 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 136 | Independent Mortgage Company |
| 16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 75 | 22 | 82 | 133 | Independent Mortgage Company |
| 17 | RESICENTRAL, LLC | 74 | 68 | 56 | 74 | Independent Mortgage Company |
| 18 | NEWREZ LLC | 73 | 52 | 56 | 196 | Independent Mortgage Company |
| 19 | Plains Commerce Bank | 73 | 47 | 66 | 58 | Bank |
| 20 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 309 | Independent Mortgage Company |
| 21 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 276 | Independent Mortgage Company |
| 22 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 186 | Independent Mortgage Company |
| 23 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 181 | Independent Mortgage Company |
| 24 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 177 | Independent Mortgage Company |
| 25 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 154 | Independent Mortgage Company |
| 26 | OCMBC, INC. | 71 | 39 | 72 | 122 | Independent Mortgage Company |
| 27 | ZILLOW HOME LOANS, LLC | 71 | 34 | 67 | 91 | Independent Mortgage Company |
| 28 | SCENIC OAKS FUNDING, LLC | 67 | 23 | 78 | 105 | Independent Mortgage Company |
| 29 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 67 | 34 | 71 | 79 | Independent Mortgage Company |
| 30 | MASON MCDUFFIE MORTGAGE CORPORATION | 67 | 29 | 77 | 78 | Independent Mortgage Company |
| 31 | PEAK RESIDENTIAL LENDING INC | 67 | 39 | 70 | 75 | Independent Mortgage Company |
| 32 | AMERICAN PACIFIC MORTGAGE CORPORATION | 67 | 10 | 81 | 700 | Independent Mortgage Company |
| 33 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 74 | Independent Mortgage Company |
| 34 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 70 | Independent Mortgage Company |
| 35 | SUN WEST MORTGAGE COMPANY, INC. | 66 | 36 | 64 | 59 | Independent Mortgage Company |
| 36 | JMAC LENDING, INC. | 64 | 57 | 58 | 56 | Independent Mortgage Company |
| 37 | STG MORTGAGE INC | 64 | 54 | 57 | 53 | Independent Mortgage Company |
| 38 | ALAMEDA MORTGAGE CORPORATION | 63 | 18 | 81 | 170 | Independent Mortgage Company |
| 39 | SUMMIT FUNDING, INC. | 63 | 12 | 81 | 129 | Independent Mortgage Company |
| 40 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 341 | Independent Mortgage Company |
| 41 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 142 | Independent Mortgage Company |
| 42 | PREMIER MORTGAGE RESOURCES, L.L.C. | 60 | 16 | 76 | 81 | Independent Mortgage Company |
| 43 | CITY FIRST MORTGAGE SERVICES, L.L.C. | 57 | 15 | 61 | 119 | Independent Mortgage Company |
| 44 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 315 | Independent Mortgage Company |
| 45 | Luminate Home Loans, Inc. | 56 | 11 | 63 | 59 | Independent Mortgage Company |
| 46 | AMWEST FUNDING CORP. | 53 | N/A | 55 | 131 | 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 Sacramento.

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.