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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 County
Updated February 5, 2026
Market Overview
183
Total Lenders
19,475
Total Loans
0.18%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,762 | +0.185% | 206 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,832 | +0.257% | 738 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,077 | +0.068% | 1,068 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,997 | +0.187% | 510 | |
5 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,051 | +0.138% | 400 | |
6 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,351 | +0.272% | 288 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,105 | +0.158% | 177 | |
8 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,413 | +0.152% | 160 | |
9 | Filo Mortgage, L.L.C. | Exceptional | Exceptional | Strong | Sound | Strong | $1,611 | +0.116% | 68 | |
10 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Sound | $455 | +0.131% | 46 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620 | +0.238% | 1,398 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,069 | +0.252% | 256 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,477 | -0.022% | 232 | |
14 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,953 | +0.327% | 183 | |
15 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | Strong | $2,269 | +0.155% | 171 | |
16 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,961 | +0.287% | 160 | |
17 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,674 | +0.299% | 141 | |
18 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,774 | +0.138% | 99 | |
19 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,233 | +0.360% | 84 | |
20 | PIKE CREEK MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,466 | +0.229% | 76 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,076 | +0.016% | 812 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,035 | +0.248% | 551 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,047 | +0.255% | 513 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,931 | +0.218% | 241 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,270 | +0.330% | 212 | |
26 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $3,582 | -0.005% | 143 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.335% | 140 | |
28 | Mid Penn Bank | Strong | Strong | Sound | Sound | Strong | $1,219 | +0.219% | 89 | |
29 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $4,072 | +0.227% | 59 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,460 | +0.278% | 58 | |
31 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,292 | +0.371% | 57 | |
32 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,745 | +0.252% | 54 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,279 | +0.275% | 176 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,630 | +0.157% | 128 | |
35 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,631 | +0.210% | 81 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,056 | +0.295% | 1,406 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,357 | +0.362% | 56 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,625 | +0.314% | 48 | |
39 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Sound | $3,788 | +0.181% | 41 | |
40 | LENDING CAPITAL GROUP Inc | Strong | Mediocre | Strong | Strong | Exceptional | $3,643 | +0.438% | 210 | |
41 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,492 | +0.071% | 157 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,435 | +0.335% | 136 | |
43 | PRINCETON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,502 | +0.252% | 79 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,950 | +0.479% | 73 | |
45 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,884 | +0.236% | 53 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,191 | +0.155% | 50 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,267 | +0.417% | 231 | |
48 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,826 | +0.472% | 74 |
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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