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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 Elizabethtown
Updated February 5, 2026
Market Overview
33
Total Lenders
1,310
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,674 | +0.008% | 236 | |
2 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,131 | +0.110% | 121 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,401 | +0.206% | 43 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,750 | -0.143% | 31 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,759 | +0.233% | 19 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,826 | +0.276% | 123 | |
7 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $2,749 | +0.160% | 52 | |
8 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $858 | -0.115% | 41 | |
9 | German American Bank | Strong | Strong | Strong | Sound | Strong | $1,301 | +0.098% | 24 | |
10 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | -$583 | +0.981% | 116 | |
11 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,775 | +0.577% | 22 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,148 | +0.604% | 17 | |
13 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,850 | +0.372% | 15 | |
14 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,639 | +0.547% | 17 | |
15 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $5,702 | +0.364% | 10 | |
16 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,826 | +0.361% | 17 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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