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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 Lenders in Birmingham

Updated February 5, 2026

Market Overview

134

Total Lenders

13,445

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,712	+0.002%	244
2	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,980	+0.283%	345
3	Cadence Bank	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,224	+0.160%	339
4	First Federal Bank, A FSB	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,407	+0.048%	187
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,909	+0.166%	987
6	SouthState Bank, National Association	Exceptional	Strong	Strong	Strong	Exceptional	$2,208	+0.203%	394
7	SouthPoint Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,393	+0.206%	289
8	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$3,264	-0.119%	174
9	Synovus Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,077	+0.235%	174
10	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,636	+0.195%	168
11	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,136	+0.551%	65
12	FirstBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,176	+0.254%	346
13	Trustmark National Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,431	+0.216%	335
14	Renasant Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,786	+0.264%	295
15	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,184	+0.168%	187
16	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,576	+0.080%	124
17	First Horizon Bank	Exceptional	Strong	Strong	Strong	Strong	$1,871	+0.132%	84
18	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,969	+0.205%	83
19	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,045	+0.442%	848
20	Regions Bank	Strong	Sound	Exceptional	Sound	Exceptional	$1,692	+0.314%	708
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,447	+0.360%	584
22	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,813	+0.512%	264
23	Assurance Financial Group, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,823	+0.702%	176
24	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,857	+0.486%	145
25	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,061	+0.153%	107
26	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,752	+0.235%	93
27	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Strong	$1,713	+0.199%	70
28	MORTGAGE INVESTORS GROUP, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,826	+0.286%	68
29	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,347	+0.243%	68
30	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$1,992	+0.362%	67
31	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$58	+0.136%	52
32	Bank of England	Strong	Sound	Exceptional	Strong	Strong	$2,865	+0.350%	51
33	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$2,939	+0.339%	35
34	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,234	+0.348%	34
35	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,635	+0.470%	362
36	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,041	+0.310%	357
37	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,768	+0.333%	93
38	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,325	+0.159%	86
39	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,265	+0.319%	73
40	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,393	+0.195%	51
41	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,000	+0.544%	251
42	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,062	+0.591%	164
43	AVADIAN	Strong	Sound	Sound	Sound	Exceptional	$1,143	+0.053%	153
44	Hamilton Mortgage Corporation	Strong	Acceptable	Strong	Strong	Exceptional	$1,950	+0.376%	152
45	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,424	+0.495%	148
46	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,137	+0.072%	126
47	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,679	+0.530%	50
48	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$1,575	+0.399%	49
49	TJC Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$3,807	+0.438%	110
50	HUNT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,235	+0.201%	49

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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