Best FHA Lenders of December 2025

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.

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.

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.

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.

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

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.

Better stands out for its attractive FHA interest rates and wide range of mortgage types, including for condos and manufactured homes.

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

Northpointe is a major FHA lender, by loan volume. In addition to government-backed loans, Northpointe Bank’s mortgage portfolio includes loans for borrowers with credit challenges.

SoFi, a big FHA lender, by loan volume, offers perks for existing customers, including a discount on closing costs. Borrowers looking for FHA loans may need to reach out directly for details.

Truist is a big FHA lender, with low average FHA rates. Pre-approval and customer care happen mostly offline, and for details on FHA loans, you'll need to talk to a person.

PenFed Credit Union is a major FHA lender, with low average FHA rates. Getting a custom rate requires sharing contact information, and membership is mandatory — though anyone can join.