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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 Bank Lenders in Montgomery County

Updated February 5, 2026

Market Overview

Total Lenders

19,475

Total Loans

0.18%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Univest Bank and Trust Co.	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,762	+0.185%	206
2	First Citizens Community Bank	Exceptional	Strong	Strong	Strong	Exceptional	$2,413	+0.152%	160
3	SOFI BANK, NATIONAL ASSOCIATION	Exceptional	Exceptional	Strong	Sound	Sound	$455	+0.131%	46
4	Citizens Bank, National Association	Strong	Strong	Strong	Sound	Strong	$1,477	-0.022%	232
5	MERIDIAN BANK	Strong	Sound	Exceptional	Strong	Strong	$2,269	+0.155%	171
6	Mid Penn Bank	Strong	Strong	Sound	Sound	Strong	$1,219	+0.219%	89
7	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Sound	$3,460	+0.278%	58

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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