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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 Bank Mortgage Lenders in Alabama
Updated February 6, 2026
Market Overview
30
Total Lenders
17,107
Total Loans
0.29%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.253% | 1,916 | |
2 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,257 | +0.159% | 1,072 | |
3 | ServisFirst Bank | Strong | Sound | Exceptional | Exceptional | $1,853 | +0.169% | 316 | |
4 | Bank Independent | Strong | Sound | Exceptional | Exceptional | $2,807 | +0.168% | 292 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | $1,893 | +0.180% | 229 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $637 | +0.205% | 214 | |
7 | BankPlus | Strong | Strong | Strong | Strong | $1,307 | +0.035% | 158 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $908 | +0.048% | 121 | |
9 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.363% | 1,890 | |
10 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,104 | +0.191% | 756 | |
11 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,150 | +0.202% | 677 | |
12 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,321 | +0.182% | 573 | |
13 | SouthPoint Bank | Strong | Sound | Strong | Exceptional | $2,350 | +0.221% | 516 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,124 | +0.102% | 479 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,171 | +0.210% | 386 | |
16 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $2,041 | +0.000% | 149 | |
17 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,491 | +0.261% | 1,328 | |
18 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,518 | +0.138% | 1,204 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,411 | +0.134% | 371 | |
20 | First Horizon Bank | Strong | Sound | Strong | Strong | $2,038 | +0.149% | 213 | |
21 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,837 | -0.159% | 380 | |
22 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $2,821 | +0.389% | 145 | |
23 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Strong | $2,922 | +0.554% | 135 | |
24 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,031 | +0.284% | 403 | |
25 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,269 | +0.486% | 207 | |
26 | Bank of England | Strong | Acceptable | Strong | Strong | $3,715 | +0.669% | 153 | |
27 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,488 | +0.367% | 205 | |
28 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Strong | $1,640 | +0.225% | 167 | |
29 | River Bank & Trust | Sound | Mediocre | Sound | Exceptional | $2,635 | +0.605% | 266 |
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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