# Best FHA Mortgage Lenders in Gadsden, AL

**As of:** 2026-05-20

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

> **Canonical URL:** https://saferate.com/gadsden-al/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:** 27
- **Total Loans:** 867
- **Median Rate Spread:** 0.41859259259259257%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | First Federal Bank, A FSB | 89 | 63 | 79 | 57 | Bank |
| 2 | TOWNE MORTGAGE COMPANY | 88 | 46 | 82 | 95 | Independent Mortgage Company |
| 3 | Renasant Bank | 83 | 51 | 79 | 87 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 39 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 97 | Independent Mortgage Company |
| 6 | MORTGAGE INVESTORS GROUP, INC. | 79 | 57 | 78 | 26 | Independent Mortgage Company |
| 7 | GMFS LLC | 79 | 68 | 77 | 16 | Independent Mortgage Company |
| 8 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 15 | Independent Mortgage Company |
| 9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 25 | Independent Mortgage Company |
| 10 | SouthPoint Bank | 74 | 76 | 80 | 10 | Bank |
| 11 | FirstBank | 73 | 56 | 78 | 14 | Bank |
| 12 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 11 | Independent Mortgage Company |
| 13 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 48 | Independent Mortgage Company |
| 14 | STOCKTON MORTGAGE CORPORATION | 71 | 28 | 67 | 41 | Independent Mortgage Company |
| 15 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 38 | Independent Mortgage Company |
| 16 | HUNT MORTGAGE CORPORATION | 67 | 31 | 73 | 24 | Independent Mortgage Company |
| 17 | ACOPIA, LLC | 53 | 17 | 74 | 11 | Independent Mortgage Company |
| 18 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 13 | 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 Gadsden, AL.

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.