# Best Mortgage Lenders in Alabama

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

Compare the top mortgage lenders in Alabama. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/alabama/best-mortgage-lenders


> **📋 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:** 278
- **Total Loans:** 59,046
- **Median Rate Spread:** 0.3489233716475096%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | DSLD MORTGAGE, LLC | 93 | 97 | 81 | 291 | Independent Mortgage Company |
| 2 | REDSTONE Federal Credit Union | 86 | 67 | 64 | 651 | Credit Union |
| 3 | Heritage Mortgage, LLC | 86 | 61 | 78 | 397 | Independent Mortgage Company |
| 4 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 338 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 3,461 | Independent Mortgage Company |
| 6 | Trustmark National Bank | 84 | 50 | 85 | 1,916 | Bank |
| 7 | FirstBank | 84 | 50 | 80 | 1,072 | Bank |
| 8 | GMFS LLC | 84 | 53 | 85 | 785 | Independent Mortgage Company |
| 9 | NAVY FEDERAL CREDIT UNION | 84 | 93 | 60 | 655 | Credit Union |
| 10 | ServisFirst Bank | 84 | 54 | 82 | 316 | Bank |
| 11 | Bank Independent | 84 | 41 | 83 | 292 | Bank |
| 12 | Truist Bank | 80 | 70 | 68 | 229 | Bank |
| 13 | PNC Bank, National Association | 80 | 71 | 61 | 214 | Bank |
| 14 | BankPlus | 80 | 73 | 71 | 158 | Bank |
| 15 | Tyndall Federal Credit Union | 80 | 65 | 77 | 141 | Credit Union |
| 16 | U.S. Bank National Association | 80 | 75 | 71 | 121 | Bank |
| 17 | Regions Bank | 78 | 41 | 64 | 1,890 | Bank |
| 18 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 795 | Independent Mortgage Company |
| 19 | Cadence Bank | 78 | 47 | 73 | 756 | Bank |
| 20 | PENNYMAC LOAN SERVICES, LLC | 78 | 56 | 63 | 747 | Independent Mortgage Company |
| 21 | SouthState Bank, National Association | 78 | 49 | 73 | 677 | Bank |
| 22 | Synovus Bank | 78 | 56 | 65 | 573 | Bank |
| 23 | SouthPoint Bank | 78 | 47 | 68 | 516 | Bank |
| 24 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 434 | Independent Mortgage Company |
| 25 | Ameris Bank | 78 | 42 | 82 | 386 | Bank |
| 26 | FIRST COLONY MORTGAGE CORPORATION | 78 | 42 | 84 | 322 | Independent Mortgage Company |
| 27 | LENDLO MORTGAGE, LLC | 78 | 49 | 88 | 303 | Independent Mortgage Company |
| 28 | AVADIAN | 78 | 44 | 72 | 291 | Credit Union |
| 29 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 283 | Independent Mortgage Company |
| 30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 201 | Independent Mortgage Company |
| 31 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 4,227 | Independent Mortgage Company |
| 32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 1,578 | Independent Mortgage Company |
| 33 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 1,445 | Independent Mortgage Company |
| 34 | Renasant Bank | 74 | 38 | 81 | 1,328 | Bank |
| 35 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 1,317 | Independent Mortgage Company |
| 36 | First Federal Bank, A FSB | 74 | 40 | 81 | 1,204 | Bank |
| 37 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 767 | Independent Mortgage Company |
| 38 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 750 | Independent Mortgage Company |
| 39 | Assurance Financial Group, L.L.C. | 74 | 26 | 82 | 550 | Independent Mortgage Company |
| 40 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 549 | Independent Mortgage Company |
| 41 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 479 | Bank |
| 42 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 371 | Bank |
| 43 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 214 | Independent Mortgage Company |
| 44 | First Horizon Bank | 73 | 49 | 68 | 213 | Bank |
| 45 | Listerhill Credit Union | 73 | 44 | 64 | 162 | Credit Union |
| 46 | Colorado Federal Savings Bank | 73 | 73 | 51 | 149 | Bank |
| 47 | Mortgage Research Center, LLC | 68 | 34 | 70 | 1,857 | Independent Mortgage Company |
| 48 | CANOPY MORTGAGE, LLC | 68 | 21 | 70 | 894 | Independent Mortgage Company |
| 49 | STOCKTON MORTGAGE CORPORATION | 68 | 27 | 70 | 764 | Independent Mortgage Company |
| 50 | TOWNE MORTGAGE COMPANY | 68 | 40 | 79 | 556 | 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 Alabama.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.