# Best FHA Mortgage Lenders in Anniston

**As of:** 2026-05-22

Compare the top FHA mortgage lenders in Anniston. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/anniston/best-mortgage-lenders/fha-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 25
- **Total Loans:** 874
- **Median Rate Spread:** 0.4194583333333333%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 89 | Independent Mortgage Company |
| 2 | SouthPoint Bank | 85 | 76 | 80 | 52 | Bank |
| 3 | First Federal Bank, A FSB | 85 | 63 | 79 | 22 | Bank |
| 4 | Ameris Bank | 83 | 50 | 78 | 117 | Bank |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 35 | Independent Mortgage Company |
| 6 | TOWNE MORTGAGE COMPANY | 83 | 46 | 82 | 25 | Independent Mortgage Company |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 115 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 64 | Independent Mortgage Company |
| 9 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 13 | Independent Mortgage Company |
| 10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 32 | Independent Mortgage Company |
| 11 | Regions Bank | 73 | 60 | 59 | 32 | Bank |
| 12 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 13 | Independent Mortgage Company |
| 13 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 18 | Independent Mortgage Company |
| 14 | GUILD MORTGAGE COMPANY LLC | 66 | 29 | 80 | 17 | Independent Mortgage Company |
| 15 | HUNT MORTGAGE CORPORATION | 63 | 31 | 73 | 13 | Independent Mortgage Company |
| 16 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 15 | 75 | 37 | Independent Mortgage Company |
| 17 | ACOPIA, LLC | 57 | 17 | 74 | 32 | Independent Mortgage Company |
| 18 | SOUTHWEST FUNDING, LP | 56 | 7 | 74 | 21 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Anniston.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.