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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 Company Lenders in Alabama
Updated February 6, 2026
Market Overview
50
Total Lenders
38,582
Total Loans
0.43%
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 | Heritage Mortgage, LLC | Exceptional | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,370 | -0.150% | 338 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,862 | +0.120% | 3,461 | |
5 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $2,602 | +0.065% | 785 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $3,190 | +0.146% | 795 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,146 | -0.026% | 747 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,588 | +0.010% | 434 | |
9 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $3,083 | +0.097% | 322 | |
10 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,443 | +0.108% | 303 | |
11 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,771 | +0.301% | 283 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,622 | +0.387% | 201 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,425 | +0.452% | 1,578 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,656 | +0.422% | 1,445 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,107 | +0.392% | 1,317 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,101 | +0.274% | 767 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,128 | +0.427% | 750 | |
19 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,218 | +0.568% | 550 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,163 | +0.416% | 549 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,937 | +0.245% | 214 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,839 | +0.667% | 1,857 | |
23 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,597 | +0.355% | 894 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,534 | +0.405% | 764 | |
25 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $2,636 | +0.334% | 556 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,818 | +0.254% | 379 | |
27 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $1,984 | +0.326% | 357 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,814 | +0.345% | 183 | |
29 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,626 | +0.450% | 146 | |
30 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $2,419 | +0.234% | 145 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,026 | +0.457% | 145 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,372 | +0.514% | 141 | |
33 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,095 | +0.151% | 131 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,338 | +0.480% | 672 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,237 | +0.664% | 653 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,280 | +0.463% | 475 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,052 | +0.297% | 463 | |
38 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $3,625 | +0.549% | 244 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,776 | +0.274% | 241 | |
40 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $1,878 | +0.543% | 161 | |
41 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $2,958 | +0.842% | 129 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,771 | +0.345% | 397 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,548 | +0.335% | 190 | |
44 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | $2,907 | +0.366% | 245 | |
45 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,784 | +1.357% | 176 | |
46 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Strong | $3,730 | +0.929% | 133 | |
47 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,198 | +0.596% | 120 | |
48 | TJC Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $3,689 | +0.477% | 255 | |
49 | Consumer First Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $3,259 | +0.505% | 153 | |
50 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,516 | +1.179% | 271 |
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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