# Best FHA Mortgage Lenders in Montgomery, AL

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

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

> **Canonical URL:** https://saferate.com/montgomery-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:** 53
- **Total Loans:** 3,994
- **Median Rate Spread:** 0.3289803921568627%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 205 | Independent Mortgage Company |
| 2 | GMFS LLC | 85 | 68 | 77 | 63 | Independent Mortgage Company |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 47 | Independent Mortgage Company |
| 4 | Trustmark National Bank | 83 | 58 | 78 | 359 | Bank |
| 5 | Renasant Bank | 83 | 51 | 79 | 205 | Bank |
| 6 | Synovus Bank | 80 | 68 | 66 | 58 | Bank |
| 7 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 273 | Independent Mortgage Company |
| 8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 20 | 82 | 261 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 52 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 47 | Independent Mortgage Company |
| 11 | TOWNE MORTGAGE COMPANY | 77 | 46 | 82 | 36 | Independent Mortgage Company |
| 12 | GUILD MORTGAGE COMPANY LLC | 75 | 29 | 80 | 493 | Independent Mortgage Company |
| 13 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 60 | Independent Mortgage Company |
| 14 | SouthPoint Bank | 74 | 76 | 80 | 25 | Bank |
| 15 | First Federal Bank | 74 | 70 | 60 | 18 | Bank |
| 16 | Regions Bank | 73 | 60 | 59 | 121 | Bank |
| 17 | NEWREZ LLC | 73 | 52 | 56 | 54 | Independent Mortgage Company |
| 18 | Flagstar Bank, N.A. | 73 | 58 | 71 | 37 | Bank |
| 19 | GoodLeap, LLC | 73 | 62 | 58 | 13 | Independent Mortgage Company |
| 20 | MOVEMENT MORTGAGE, LLC | 71 | 30 | 79 | 125 | Independent Mortgage Company |
| 21 | CMG MORTGAGE, INC. | 71 | 32 | 79 | 95 | Independent Mortgage Company |
| 22 | Mortgage Research Center, LLC | 70 | 34 | 54 | 169 | Independent Mortgage Company |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 70 | 33 | 84 | 28 | Independent Mortgage Company |
| 24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 25 | Independent Mortgage Company |
| 25 | GUARANTEED RATE, INC. | 66 | 38 | 68 | 34 | Independent Mortgage Company |
| 26 | STOCKTON MORTGAGE CORPORATION | 66 | 28 | 67 | 15 | Independent Mortgage Company |
| 27 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 289 | Independent Mortgage Company |
| 28 | Consumer First Mortgage, Inc. | 63 | 26 | 65 | 14 | Independent Mortgage Company |
| 29 | Hamilton Mortgage Corporation | 63 | 40 | 76 | 13 | Independent Mortgage Company |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 23 | Independent Mortgage Company |
| 31 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 40 | Independent Mortgage Company |
| 32 | ZILLOW HOME LOANS, LLC | 60 | 34 | 67 | 10 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 27 | 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 Montgomery, 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.