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Compare Top FHA Lenders of February 2026FHA loans typically have lower down payment and more flexible credit score requirements, making them great for first-time buyers or those with fewer savings.
Excellent (760+)
California
Applied Filters: Excellent (760+), Max loan amount: $100,000, State: California
Rocket Mortgage, LLCNMLS#3030
Why we like it
Rocket Mortgage was the largest lender, by volume, of FHA loans in 2024. Affordable borrowing options include a 1% down payment loan.
New American FundingNMLS#6606
Why we like it
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.
First Federal BankNMLS#408902
Why we like it
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.