🛡️
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 FHA 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 | ServisFirst Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,853 | +0.169% | 316 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $83 | -0.462% | 291 | |
3 | Tyndall Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,320 | +0.165% | 141 | |
4 | First Federal Bank, A FSB | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,518 | +0.138% | 1,204 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,190 | +0.146% | 795 | |
6 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,602 | +0.065% | 785 | |
7 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,104 | +0.191% | 756 | |
8 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,370 | -0.150% | 338 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,862 | +0.120% | 3,461 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,146 | -0.026% | 747 | |
11 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,150 | +0.202% | 677 | |
12 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321 | +0.182% | 573 | |
13 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,636 | +0.334% | 556 | |
14 | SouthPoint Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,350 | +0.221% | 516 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,622 | +0.387% | 201 | |
17 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,878 | +0.543% | 161 | |
18 | BankPlus | Exceptional | Exceptional | Strong | Sound | Strong | $1,307 | +0.035% | 158 | |
19 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,799 | +0.253% | 1,916 | |
20 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,491 | +0.261% | 1,328 | |
21 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,257 | +0.159% | 1,072 | |
22 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,218 | +0.213% | 651 | |
23 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,588 | +0.010% | 434 | |
24 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,443 | +0.108% | 303 | |
25 | Bank Independent | Exceptional | Strong | Strong | Sound | Exceptional | $2,807 | +0.168% | 292 | |
26 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $2,038 | +0.149% | 213 | |
27 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,626 | +0.450% | 146 | |
28 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Strong | $2,922 | +0.554% | 135 | |
29 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,095 | +0.151% | 131 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
31 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,815 | +0.363% | 1,890 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,425 | +0.452% | 1,578 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,128 | +0.427% | 750 | |
34 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,218 | +0.568% | 550 | |
35 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,163 | +0.416% | 549 | |
36 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,031 | +0.284% | 403 | |
37 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
38 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,171 | +0.210% | 386 | |
39 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,083 | +0.097% | 322 | |
40 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,771 | +0.301% | 283 | |
41 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,776 | +0.274% | 241 | |
42 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,269 | +0.486% | 207 | |
43 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,715 | +0.669% | 153 | |
44 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,419 | +0.234% | 145 | |
45 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,656 | +0.422% | 1,445 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 | |
47 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,597 | +0.355% | 894 | |
48 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.274% | 767 | |
49 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534 | +0.405% | 764 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,818 | +0.254% | 379 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
AlabamaFHA
No credit impact
3-minute process
100% free