🛡️

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 Birmingham

Updated February 5, 2026

Market Overview

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	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,909	+0.166%	987
4	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Strong	$3,264	-0.119%	174
5	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,636	+0.195%	168
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$3,136	+0.551%	65
7	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$2,184	+0.168%	187
8	LENDLO MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,576	+0.080%	124
9	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,969	+0.205%	83
10	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,045	+0.442%	848
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,447	+0.360%	584
12	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,813	+0.512%	264
13	Assurance Financial Group, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,823	+0.702%	176
14	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,857	+0.486%	145
15	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,752	+0.235%	93
16	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	Strong	$1,713	+0.199%	70
17	MORTGAGE INVESTORS GROUP, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,826	+0.286%	68
18	GoodLeap, LLC	Strong	Strong	Exceptional	Sound	Sound	$2,939	+0.339%	35
19	TOWNE MORTGAGE COMPANY	Strong	Sound	Exceptional	Exceptional	Sound	$2,234	+0.348%	34
20	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,635	+0.470%	362
21	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,041	+0.310%	357
22	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,768	+0.333%	93
23	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,325	+0.159%	86
24	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,265	+0.319%	73
25	THE MORTGAGE FIRM, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,393	+0.195%	51
26	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,000	+0.544%	251
27	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,062	+0.591%	164
28	Hamilton Mortgage Corporation	Strong	Acceptable	Strong	Strong	Exceptional	$1,950	+0.376%	152
29	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,424	+0.495%	148
30	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,679	+0.530%	50
31	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$1,575	+0.399%	49
32	TJC Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$3,807	+0.438%	110
33	HUNT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,235	+0.201%	49
34	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,412	+0.341%	47
35	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,401	+0.188%	44
36	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,946	+0.207%	35
37	PLAZA HOME MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,151	+0.830%	31
38	NATIONSTAR MORTGAGE LLC	Strong	Mediocre	Exceptional	Strong	Strong	$3,506	+0.445%	112
39	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,255	+0.681%	53
40	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Exceptional	Sound	$3,866	+0.988%	49
41	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$4,491	+0.174%	46
42	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Sound	$3,780	+0.833%	44
43	PRINCETON MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$2,539	+0.487%	42
44	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Acceptable	Exceptional	Sound	Sound	$2,337	+0.073%	40
45	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$3,235	+0.719%	108
46	Cornerstone First Mortgage, Inc	Sound	Mediocre	Strong	Strong	Strong	$2,852	+0.738%	71
47	CROSSCOUNTRY MORTGAGE, LLC	Sound	Mediocre	Exceptional	Strong	Sound	$3,453	+0.539%	54
48	ACOPIA, LLC	Sound	Mediocre	Strong	Strong	Sound	$2,932	+0.842%	31

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.

Ready to find your perfect lender?

Get personalized recommendations based on your specific needs

Birmingham, ALFHA

No credit impact

3-minute process

100% free