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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 Stockton
Updated February 5, 2026
Market Overview
98
Total Lenders
7,528
Total Loans
0.25%
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 | $3,289 | +0.173% | 1,231 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,913 | +0.227% | 67 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,657 | -0.078% | 399 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $290 | -0.012% | 222 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,822 | +0.054% | 89 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,548 | +0.190% | 745 | |
7 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,264 | +0.366% | 130 | |
8 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,186 | +0.371% | 96 | |
9 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,369 | +0.195% | 56 | |
10 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,361 | +0.116% | 44 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,795 | +0.454% | 131 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,767 | +0.245% | 109 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,439 | +0.313% | 93 | |
14 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,134 | +0.384% | 86 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.254% | 82 | |
16 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,246 | +0.703% | 66 | |
17 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,989 | +0.496% | 47 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,423 | +0.477% | 32 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,278 | +0.310% | 20 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,918 | +0.381% | 197 | |
21 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,464 | +0.426% | 141 | |
22 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $6,173 | +0.527% | 54 | |
23 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,807 | +0.360% | 45 | |
24 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,820 | +0.524% | 42 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $7,326 | +0.658% | 36 | |
26 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,273 | +0.287% | 34 | |
27 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,711 | +0.338% | 30 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | -$7 | +0.807% | 24 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,769 | +0.519% | 24 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,694 | +0.518% | 19 | |
31 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $4,248 | +0.796% | 19 | |
32 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,799 | +0.353% | 18 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,028 | +0.467% | 166 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,812 | +0.625% | 51 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,295 | +0.398% | 32 | |
36 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,816 | +0.715% | 30 | |
37 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,564 | +0.658% | 25 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,019 | +0.412% | 66 | |
39 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,296 | +0.495% | 55 | |
40 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,924 | +0.108% | 52 | |
41 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Strong | Sound | $4,953 | +0.586% | 23 |
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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