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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $965 | -0.454% | 655 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $83 | -0.462% | 291 | |
3 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,602 | +0.065% | 785 | |
4 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,218 | +0.213% | 651 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,893 | +0.180% | 229 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $637 | +0.205% | 214 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $908 | +0.048% | 121 | |
8 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,799 | +0.253% | 1,916 | |
9 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,257 | +0.159% | 1,072 | |
10 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,104 | +0.191% | 756 | |
11 | SouthState Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,150 | +0.202% | 677 | |
12 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,124 | +0.102% | 479 | |
13 | BankPlus | Exceptional | Strong | Strong | Strong | Strong | $1,307 | +0.035% | 158 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,862 | +0.120% | 3,461 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,146 | -0.026% | 747 | |
17 | Synovus Bank | Strong | Sound | Strong | Strong | Exceptional | $2,321 | +0.182% | 573 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,163 | +0.416% | 549 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,588 | +0.010% | 434 | |
20 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,171 | +0.210% | 386 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,411 | +0.134% | 371 | |
23 | ServisFirst Bank | Strong | Sound | Strong | Strong | Exceptional | $1,853 | +0.169% | 316 | |
24 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $2,038 | +0.149% | 213 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,622 | +0.387% | 201 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,814 | +0.345% | 183 | |
27 | Listerhill Credit Union | Strong | Sound | Strong | Exceptional | Strong | $2,283 | +0.232% | 162 | |
28 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $2,041 | +0.000% | 149 | |
29 | Tyndall Federal Credit Union | Strong | Sound | Strong | Exceptional | Strong | $1,320 | +0.165% | 141 | |
30 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,815 | +0.363% | 1,890 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,425 | +0.452% | 1,578 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,656 | +0.422% | 1,445 | |
33 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,491 | +0.261% | 1,328 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $3,190 | +0.146% | 795 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.274% | 767 | |
37 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534 | +0.405% | 764 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,128 | +0.427% | 750 | |
39 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,636 | +0.334% | 556 | |
40 | Bank Independent | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,807 | +0.168% | 292 | |
41 | AVADIAN | Strong | Sound | Sound | Strong | Exceptional | $1,467 | +0.075% | 291 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,372 | +0.514% | 141 | |
43 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,518 | +0.138% | 1,204 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.480% | 672 | |
45 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $3,218 | +0.568% | 550 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,280 | +0.463% | 475 | |
47 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
48 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,031 | +0.284% | 403 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,818 | +0.254% | 379 | |
50 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.097% | 322 |
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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