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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 Mortgage Lenders in Alabama
Updated February 6, 2026
Market Overview
278
Total Lenders
59,046
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | $83 | -0.462% | 291 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $965 | -0.454% | 655 | |
3 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,218 | +0.213% | 651 | |
4 | Heritage Mortgage, LLC | Exceptional | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
5 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,370 | -0.150% | 338 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,862 | +0.120% | 3,461 | |
7 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.253% | 1,916 | |
8 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,257 | +0.159% | 1,072 | |
9 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $2,602 | +0.065% | 785 | |
10 | ServisFirst Bank | Strong | Sound | Exceptional | Exceptional | $1,853 | +0.169% | 316 | |
11 | Bank Independent | Strong | Sound | Exceptional | Exceptional | $2,807 | +0.168% | 292 | |
12 | Truist Bank | Strong | Strong | Strong | Strong | $1,893 | +0.180% | 229 | |
13 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $637 | +0.205% | 214 | |
14 | BankPlus | Strong | Strong | Strong | Strong | $1,307 | +0.035% | 158 | |
15 | Tyndall Federal Credit Union | Strong | Strong | Strong | Strong | $1,320 | +0.165% | 141 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $908 | +0.048% | 121 | |
17 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.363% | 1,890 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $3,190 | +0.146% | 795 | |
19 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,104 | +0.191% | 756 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,146 | -0.026% | 747 | |
21 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,150 | +0.202% | 677 | |
22 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,321 | +0.182% | 573 | |
23 | SouthPoint Bank | Strong | Sound | Strong | Exceptional | $2,350 | +0.221% | 516 | |
24 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,124 | +0.102% | 479 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,588 | +0.010% | 434 | |
26 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,171 | +0.210% | 386 | |
27 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $3,083 | +0.097% | 322 | |
28 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,443 | +0.108% | 303 | |
29 | AVADIAN | Strong | Sound | Strong | Exceptional | $1,467 | +0.075% | 291 | |
30 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,771 | +0.301% | 283 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,622 | +0.387% | 201 | |
32 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $2,041 | +0.000% | 149 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,425 | +0.452% | 1,578 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,656 | +0.422% | 1,445 | |
36 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,491 | +0.261% | 1,328 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,107 | +0.392% | 1,317 | |
38 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,518 | +0.138% | 1,204 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,101 | +0.274% | 767 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,128 | +0.427% | 750 | |
41 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,218 | +0.568% | 550 | |
42 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,163 | +0.416% | 549 | |
43 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,411 | +0.134% | 371 | |
44 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,937 | +0.245% | 214 | |
45 | First Horizon Bank | Strong | Sound | Strong | Strong | $2,038 | +0.149% | 213 | |
46 | Listerhill Credit Union | Strong | Sound | Strong | Strong | $2,283 | +0.232% | 162 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,839 | +0.667% | 1,857 | |
48 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,597 | +0.355% | 894 | |
49 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,534 | +0.405% | 764 | |
50 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $2,636 | +0.334% | 556 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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