Best FHA Lenders of December 2025

Rocket Mortgage was the largest lender, by volume, of FHA loans in 2024. Affordable borrowing options include a 1% down payment loan.

NBKC stands out for its attractive FHA interest rates and fees, and is primarily an online lender — though its app does not have mortgage features.

New American Funding is a major FHA lender, with a focus on this loan type, but its average FHA rates and fees are less competitive than some lenders.

Rate is a major FHA lender with options for a variety of FHA loan borrowers and a streamlined application process, but average FHA fees are on the high side.

FourLeaf Credit Union, formerly known as Bethpage, is easy to join. Its average FHA origination fees are low, but FHA rates may be on the high side.

First Federal Bank is a big FHA lender by loan volume. It stands out for low average FHA rates and its emphasis on government loans.

Amerisave is a big FHA lender by loan volume, and average FHA rates are on the low side but average FHA origination fees are high.

Flagstar is a big FHA lender by loan volume, with low average FHA rates. But take note that Flagstar has reduced its mortgage business as part of corporate restructuring.

PNC Bank has a wide selection of loans (even for lower credit scores) and could be a good pick for first-time home buyers seeking a streamlined digital experience. FHA rates may be on higher than some lenders.

Pennymac, known for government loans, has low average FHA rates. Best for FHA borrowers looking for low rates and an efficient digital experience.

Network Capital offers low average FHA rates. The lender stands out for its focus on refinancing, especially cash-out transactions — only 6% of Network Capital customers got a purchase mortgage last year.

Wells Fargo has significantly shrunk its mortgage business in the past two years, but it was still a major FHA loan originator last year. Average FHA rates are on the low side.