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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 Mobile
Updated February 5, 2026
Market Overview
69
Total Lenders
3,970
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Tyndall Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,434 | +0.249% | 44 | |
2 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,163 | +0.202% | 171 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,031 | +0.249% | 147 | |
4 | First Federal Bank, A FSB | Exceptional | Strong | Exceptional | Strong | Strong | $3,478 | +0.104% | 80 | |
5 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,537 | +0.265% | 66 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,636 | +0.242% | 57 | |
7 | BankPlus | Exceptional | Exceptional | Strong | Sound | Strong | $1,312 | +0.038% | 54 | |
8 | KEESLER | Exceptional | Exceptional | Strong | Strong | Sound | $478 | -0.313% | 15 | |
9 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,216 | -1.027% | 13 | |
10 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,635 | +0.360% | 276 | |
11 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,315 | +0.276% | 96 | |
12 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,786 | +0.386% | 80 | |
13 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $2,799 | +0.268% | 79 | |
14 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Strong | $2,092 | +0.477% | 44 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,354 | +0.413% | 30 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,349 | +0.463% | 13 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,493 | +0.362% | 413 | |
18 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,776 | +0.405% | 121 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,624 | +0.600% | 117 | |
20 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,283 | +0.410% | 61 | |
21 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $4,079 | +1.013% | 51 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,153 | +0.226% | 45 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,723 | +0.653% | 43 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,118 | -0.304% | 27 | |
25 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,554 | -0.002% | 25 | |
26 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,566 | +0.569% | 215 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932 | +0.480% | 78 | |
28 | FirstBank | Strong | Sound | Exceptional | Strong | Sound | $1,988 | +0.177% | 31 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,342 | +0.635% | 29 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,859 | +0.857% | 131 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.592% | 79 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,615 | +0.285% | 24 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,988 | +0.456% | 51 | |
34 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,206 | +0.936% | 48 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,256 | +0.341% | 30 | |
36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,323 | +0.471% | 18 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,999 | +1.184% | 14 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,054 | +0.593% | 14 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,932 | +0.622% | 13 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,913 | +0.349% | 44 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,802 | +0.174% | 18 | |
42 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,364 | +0.143% | 13 | |
43 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,263 | +0.467% | 11 | |
44 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $3,370 | +0.620% | 10 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,762 | +0.931% | 82 | |
46 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,793 | +0.323% | 24 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,525 | +0.675% | 21 | |
48 | MILEND, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,631 | +0.453% | 10 |
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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