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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 Montgomery
Updated February 5, 2026
Market Overview
53
Total Lenders
3,994
Total Loans
0.33%
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 | $3,057 | +0.136% | 205 | |
2 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,041 | +0.270% | 63 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,521 | +0.367% | 47 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,647 | +0.206% | 359 | |
5 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,457 | +0.176% | 205 | |
6 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $2,375 | +0.267% | 58 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,071 | -0.017% | 52 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,655 | +0.507% | 273 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,838 | +0.507% | 261 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,643 | +0.314% | 47 | |
11 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,301 | +0.244% | 36 | |
12 | SouthPoint Bank | Strong | Strong | Strong | Strong | Sound | $1,559 | +0.035% | 25 | |
13 | First Federal Bank | Strong | Strong | Strong | Strong | Sound | $1,124 | +0.472% | 18 | |
14 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,300 | +0.246% | 13 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.418% | 493 | |
16 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,159 | +0.625% | 121 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,067 | +0.512% | 60 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,694 | +0.401% | 54 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,832 | +0.190% | 37 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.311% | 125 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,133 | +0.563% | 95 | |
22 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,893 | +0.504% | 28 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,724 | +0.904% | 25 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,331 | +0.397% | 289 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,744 | +0.264% | 34 | |
26 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,131 | +0.657% | 15 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,976 | +0.384% | 40 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,787 | +0.264% | 23 | |
29 | Consumer First Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Sound | $3,657 | +0.517% | 14 | |
30 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $2,537 | +0.749% | 13 | |
31 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,905 | +1.048% | 10 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,953 | +0.580% | 27 |
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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