Top FHA Lenders of September 2025

FHA loans make homeownership more accessible, especially for first-time buyers, by offering lower credit score requirements, smaller down payments, and flexible guidelines.

If you are thinking about getting an FHA loan, here are some of the top lenders and what they offer.
 

Top FHA Lenders for September 2025

PNC Bank
 

• Available: Nationwide
• Minimum Credit Score: 600
• Minimum Down Payment: 3.5%
• Special Features: Offers grants up to $15,000 to help cover closing costs (amount depends on your location). Has both fixed-rate and adjustable-rate FHA loans. Well-rated for customer satisfaction.
• Things to Know: Interest rates and fees are about average. Other lenders may allow lower credit scores.

Rocket Mortgage
 

• Available: Nationwide
• Minimum Credit Score: 580
• Minimum Down Payment: 3.5%
• Special Features: "RentRewards" program gives a closing cost bonus based on 10% of your rental payments. Ranks highly for customer satisfaction and has a helpful rent-vs-buy calculator.
• Things to Know: Manual underwriting may require a higher credit score (640+). Loan costs have been higher than average.

Chase Bank
 

• Available: Nationwide
• Minimum Credit Score: 620
• Minimum Down Payment: 3.5%
• Special Features: Guarantees timely closing—if not, you may get $5,000. Offers educational resources and easy-to-use online tools. You can check estimated rates by entering your ZIP code.
• Things to Know: Rates and fees are average. Other lenders may accept lower credit scores.

Pennymac
 

• Available: Nationwide
• Minimum Credit Score: 580
• Minimum Down Payment: 3.5%
• Special Features: Offers a $2,000 credit if you refinance within three years of getting your FHA loan. Has options for 15, 20, and 30-year FHA loans, as well as FHA refinancing.
• Things to Know: While their interest rates are often low, overall loan costs can be high. Customer satisfaction scores are below average.

U.S. Bank
 

• Available: Nationwide
• Minimum Credit Score: 640
• Minimum Down Payment: 3.5%
• Special Features: Might offer a lower mortgage rate for the first year. Applying online is quick and won’t affect your credit. Lots of helpful online calculators and education.
• Things to Know: Requires a higher minimum credit score than most lenders.

Rate (previously Guaranteed Rate)
 

• Available: Nationwide
• Minimum Credit Score: 550
• Minimum Down Payment: 3.5%
• Special Features: Offers extra home-buying services like insurance and title services. Plenty of educational materials for homebuyers.
• Things to Know: The best sample rates assume a higher credit score (680). “Same Day Mortgage” is not available for FHA loans. Lower customer satisfaction ratings.

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