# Best FHA Mortgage Lenders in Montgomery County

**As of:** 2026-05-22

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

> **Canonical URL:** https://saferate.com/montgomery-county/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:** 183
- **Total Loans:** 19,475
- **Median Rate Spread:** 0.18055681818181818%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Prosperity Home Mortgage, LLC | 89 | 63 | 72 | 738 | Independent Mortgage Company |
| 2 | Univest Bank and Trust Co. | 89 | 86 | 64 | 206 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 1,068 | Independent Mortgage Company |
| 4 | KEYSTONE FUNDING, INC. | 88 | 51 | 83 | 288 | Independent Mortgage Company |
| 5 | Mortgage America, Inc. | 85 | 60 | 80 | 400 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 177 | Independent Mortgage Company |
| 7 | First Citizens Community Bank | 85 | 70 | 77 | 160 | Bank |
| 8 | PENNYMAC LOAN SERVICES, LLC | 83 | 78 | 59 | 510 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 1,398 | Independent Mortgage Company |
| 10 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 256 | Independent Mortgage Company |
| 11 | NATIONS DIRECT MORTGAGE, LLC | 79 | 46 | 68 | 183 | Independent Mortgage Company |
| 12 | MERIDIAN BANK | 79 | 55 | 80 | 171 | Bank |
| 13 | ALLIED MORTGAGE GROUP, INC. | 79 | 54 | 68 | 160 | Independent Mortgage Company |
| 14 | EMM LOANS LLC | 79 | 44 | 67 | 141 | Independent Mortgage Company |
| 15 | FIRST COLONY MORTGAGE CORPORATION | 79 | 56 | 80 | 99 | Independent Mortgage Company |
| 16 | Advisors Mortgage Group, L.L.C. | 79 | 50 | 79 | 84 | Independent Mortgage Company |
| 17 | PIKE CREEK MORTGAGE SERVICES, INC. | 79 | 44 | 86 | 76 | Independent Mortgage Company |
| 18 | Filo Mortgage, L.L.C. | 79 | 85 | 52 | 68 | Independent Mortgage Company |
| 19 | GUARANTEED RATE, INC. | 75 | 38 | 68 | 812 | Independent Mortgage Company |
| 20 | MOVEMENT MORTGAGE, LLC | 75 | 30 | 79 | 551 | Independent Mortgage Company |
| 21 | CMG MORTGAGE, INC. | 75 | 32 | 79 | 513 | Independent Mortgage Company |
| 22 | UNION HOME MORTGAGE CORP. | 75 | 22 | 80 | 241 | Independent Mortgage Company |
| 23 | NFM, INC. | 75 | 40 | 83 | 140 | Independent Mortgage Company |
| 24 | GREENTREE MORTGAGE COMPANY, L.P. | 75 | 40 | 80 | 57 | Independent Mortgage Company |
| 25 | Citizens Bank, National Association | 74 | 74 | 54 | 232 | Bank |
| 26 | NJ LENDERS CORP. | 74 | 56 | 66 | 59 | Independent Mortgage Company |
| 27 | NEWREZ LLC | 73 | 52 | 56 | 212 | Independent Mortgage Company |
| 28 | Philadelphia Mortgage Advisors, Inc. | 73 | 47 | 74 | 143 | Independent Mortgage Company |
| 29 | Flagstar Bank, N.A. | 73 | 58 | 71 | 58 | Bank |
| 30 | KIND LENDING, LLC | 73 | 55 | 71 | 54 | Independent Mortgage Company |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 73 | 83 | 43 | 46 | Bank |
| 32 | GUILD MORTGAGE COMPANY LLC | 71 | 29 | 80 | 176 | Independent Mortgage Company |
| 33 | GUARANTEED RATE AFFINITY, LLC | 71 | 33 | 63 | 128 | Independent Mortgage Company |
| 34 | PLAZA HOME MORTGAGE, INC. | 71 | 30 | 65 | 81 | Independent Mortgage Company |
| 35 | Mid Penn Bank | 69 | 73 | 59 | 89 | Bank |
| 36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 38 | 79 | 56 | Independent Mortgage Company |
| 37 | LOWER, LLC | 66 | 29 | 66 | 48 | Independent Mortgage Company |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 64 | 45 | 53 | 41 | Independent Mortgage Company |
| 39 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 19 | 69 | 1,406 | Independent Mortgage Company |
| 40 | PRINCETON MORTGAGE CORPORATION | 63 | 34 | 57 | 79 | Independent Mortgage Company |
| 41 | MUTUAL OF OMAHA MORTGAGE, INC. | 62 | 36 | 56 | 50 | Independent Mortgage Company |
| 42 | LENDING CAPITAL GROUP Inc | 60 | 11 | 70 | 210 | Independent Mortgage Company |
| 43 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 15 | 75 | 157 | Independent Mortgage Company |
| 44 | NATIONSTAR MORTGAGE LLC | 60 | 13 | 63 | 136 | Independent Mortgage Company |
| 45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 60 | 17 | 70 | 73 | Independent Mortgage Company |
| 46 | ABSOLUTE HOME MORTGAGE CORPORATION | 60 | 20 | 71 | 53 | Independent Mortgage Company |
| 47 | GO MORTGAGE, LLC | 57 | 16 | 67 | 74 | Independent Mortgage Company |
| 48 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 231 | 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 County.

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.