# Best FHA Mortgage Lenders in Stockton

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

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

> **Canonical URL:** https://saferate.com/stockton/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:** 98
- **Total Loans:** 7,528
- **Median Rate Spread:** 0.2544421052631579%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,231 | Independent Mortgage Company |
| 2 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 67 | Independent Mortgage Company |
| 3 | LOANDEPOT.COM, LLC | 83 | 59 | 68 | 399 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 745 | Independent Mortgage Company |
| 5 | U.S. Bank National Association | 79 | 65 | 60 | 222 | Bank |
| 6 | KIND LENDING, LLC | 79 | 55 | 71 | 130 | Independent Mortgage Company |
| 7 | THE LOAN STORE, INC. | 79 | 49 | 72 | 96 | Independent Mortgage Company |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 89 | Independent Mortgage Company |
| 9 | NEWREZ LLC | 73 | 52 | 56 | 56 | Independent Mortgage Company |
| 10 | Flagstar Bank, N.A. | 73 | 58 | 71 | 44 | Bank |
| 11 | Paramount Residential Mortgage Group, Inc. | 71 | 33 | 72 | 131 | Independent Mortgage Company |
| 12 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 109 | Independent Mortgage Company |
| 13 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 93 | Independent Mortgage Company |
| 14 | Sierra Pacific Mortgage Company, Inc. | 71 | 33 | 75 | 86 | Independent Mortgage Company |
| 15 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 82 | Independent Mortgage Company |
| 16 | OCMBC, INC. | 71 | 39 | 72 | 66 | Independent Mortgage Company |
| 17 | Commerce Home Mortgage, Inc. | 71 | 27 | 73 | 47 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 32 | Independent Mortgage Company |
| 19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 20 | Independent Mortgage Company |
| 20 | SCENIC OAKS FUNDING, LLC | 67 | 23 | 78 | 54 | Independent Mortgage Company |
| 21 | FlexPoint, Inc. | 67 | 33 | 63 | 42 | Independent Mortgage Company |
| 22 | PACIFIC RESIDENTIAL MORTGAGE, LLC | 67 | 34 | 71 | 34 | Independent Mortgage Company |
| 23 | HOMEOWNERS FINANCIAL GROUP USA, LLC | 66 | 21 | 76 | 36 | Independent Mortgage Company |
| 24 | SUN WEST MORTGAGE COMPANY, INC. | 66 | 36 | 64 | 30 | Independent Mortgage Company |
| 25 | AMERICAN FINANCIAL NETWORK, INC. | 66 | 25 | 69 | 24 | Independent Mortgage Company |
| 26 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 24 | Independent Mortgage Company |
| 27 | PLAZA HOME MORTGAGE, INC. | 66 | 30 | 65 | 19 | Independent Mortgage Company |
| 28 | Synergy One Lending, Inc. | 66 | 20 | 75 | 18 | Independent Mortgage Company |
| 29 | JMAC LENDING, INC. | 64 | 57 | 58 | 19 | Independent Mortgage Company |
| 30 | AMERICAN PACIFIC MORTGAGE CORPORATION | 63 | 10 | 81 | 197 | Independent Mortgage Company |
| 31 | SUMMIT FUNDING, INC. | 63 | 12 | 81 | 141 | Independent Mortgage Company |
| 32 | GOLDEN EMPIRE MORTGAGE, INC. | 63 | 19 | 86 | 45 | Independent Mortgage Company |
| 33 | MASON MCDUFFIE MORTGAGE CORPORATION | 63 | 29 | 77 | 32 | Independent Mortgage Company |
| 34 | MORTGAGEONE, INC. | 63 | 27 | 70 | 30 | Independent Mortgage Company |
| 35 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 19 | 69 | 166 | Independent Mortgage Company |
| 36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 9 | 74 | 51 | Independent Mortgage Company |
| 37 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 25 | Independent Mortgage Company |
| 38 | AMERITRUST MORTGAGE CORPORATION | 57 | 6 | 70 | 55 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 66 | Independent Mortgage Company |
| 40 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 52 | Independent Mortgage Company |
| 41 | LAND HOME FINANCIAL SERVICES, INC. | 53 | 19 | 63 | 23 | 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 Stockton.

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.