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Safe Rate's TrueRank Guarantee

Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best FHA Mortgage Company Lenders in Alabama

Updated February 6, 2026

Market Overview

Total Lenders

59,046

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	DSLD MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Strong	Strong	$83	-0.462%	291
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,190	+0.146%	795
3	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,602	+0.065%	785
4	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,370	-0.150%	338
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,862	+0.120%	3,461
6	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Exceptional	$2,146	-0.026%	747
7	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,636	+0.334%	556
8	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,052	+0.297%	463
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,622	+0.387%	201
10	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,878	+0.543%	161
11	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,588	+0.010%	434
12	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,443	+0.108%	303
13	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,626	+0.450%	146
14	GoodLeap, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$3,095	+0.151%	131
15	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,829	+0.446%	4,227
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,425	+0.452%	1,578
17	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,128	+0.427%	750
18	Assurance Financial Group, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,218	+0.568%	550
19	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,163	+0.416%	549
20	Heritage Mortgage, LLC	Strong	Sound	Strong	Strong	Exceptional	$2,503	-0.129%	397
21	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Strong	$3,083	+0.097%	322
22	MORTGAGE INVESTORS GROUP, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,771	+0.301%	283
23	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,776	+0.274%	241
24	PLANET HOME LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,419	+0.234%	145
25	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,656	+0.422%	1,445
26	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,107	+0.392%	1,317
27	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,597	+0.355%	894
28	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,101	+0.274%	767
29	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,534	+0.405%	764
30	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,771	+0.345%	397
31	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,818	+0.254%	379
32	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,907	+0.366%	245
33	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,372	+0.514%	141
34	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$1,839	+0.667%	1,857
35	Hamilton Mortgage Corporation	Strong	Acceptable	Strong	Strong	Exceptional	$1,984	+0.326%	357
36	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,625	+0.549%	244
37	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,937	+0.245%	214
38	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,026	+0.457%	145
39	TJC Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$3,689	+0.477%	255
40	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,548	+0.335%	190
41	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Strong	$2,814	+0.345%	183
42	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$3,213	+0.832%	164
43	Consumer First Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$3,259	+0.505%	153
44	CROSSCOUNTRY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,338	+0.480%	672
45	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,237	+0.664%	653
46	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,280	+0.463%	475
47	SOUTHWEST FUNDING, LP	Strong	Mediocre	Exceptional	Strong	Strong	$3,730	+0.929%	133
48	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,958	+0.842%	129
49	ACOPIA, LLC	Sound	Mediocre	Strong	Strong	Strong	$3,198	+0.596%	120
50	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$2,784	+1.357%	176

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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