# Best FHA Mortgage Lenders in Santa Maria

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

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

> **Canonical URL:** https://saferate.com/santa-maria/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:** 40
- **Total Loans:** 1,816
- **Median Rate Spread:** 0.1635128205128205%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 356 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 37 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 137 | Independent Mortgage Company |
| 4 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 99 | Independent Mortgage Company |
| 5 | KIND LENDING, LLC | 79 | 55 | 71 | 68 | Independent Mortgage Company |
| 6 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 145 | Independent Mortgage Company |
| 7 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 84 | Independent Mortgage Company |
| 8 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 72 | Independent Mortgage Company |
| 9 | Nations Lending Corporation | 70 | 27 | 83 | 20 | Independent Mortgage Company |
| 10 | Sierra Pacific Mortgage Company, Inc. | 66 | 33 | 75 | 28 | Independent Mortgage Company |
| 11 | Paramount Residential Mortgage Group, Inc. | 66 | 33 | 72 | 25 | Independent Mortgage Company |
| 12 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 56 | 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 Santa Maria.

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.