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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 Company Lenders in Alabama
Updated February 6, 2026
Market Overview
50
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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $83 | -0.462% | 291 | |
2 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,602 | +0.065% | 785 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,862 | +0.120% | 3,461 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,146 | -0.026% | 747 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,163 | +0.416% | 549 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,588 | +0.010% | 434 | |
8 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,622 | +0.387% | 201 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,814 | +0.345% | 183 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,425 | +0.452% | 1,578 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,656 | +0.422% | 1,445 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $3,190 | +0.146% | 795 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.274% | 767 | |
16 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534 | +0.405% | 764 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,128 | +0.427% | 750 | |
18 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,636 | +0.334% | 556 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,372 | +0.514% | 141 | |
20 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,597 | +0.355% | 894 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.480% | 672 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,237 | +0.664% | 653 | |
23 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $3,218 | +0.568% | 550 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,280 | +0.463% | 475 | |
25 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,818 | +0.254% | 379 | |
27 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,083 | +0.097% | 322 | |
28 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,771 | +0.301% | 283 | |
29 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,776 | +0.274% | 241 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,937 | +0.245% | 214 | |
31 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,626 | +0.450% | 146 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,026 | +0.457% | 145 | |
33 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,095 | +0.151% | 131 | |
34 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,958 | +0.842% | 129 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,839 | +0.667% | 1,857 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,771 | +0.345% | 397 | |
37 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,878 | +0.543% | 161 | |
38 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,419 | +0.234% | 145 | |
39 | Hamilton Mortgage Corporation | Strong | Acceptable | Sound | Sound | Exceptional | $1,984 | +0.326% | 357 | |
40 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,370 | -0.150% | 338 | |
41 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,443 | +0.108% | 303 | |
42 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,625 | +0.549% | 244 | |
43 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,198 | +0.596% | 120 | |
44 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,907 | +0.366% | 245 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,548 | +0.335% | 190 | |
46 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Strong | $2,784 | +1.357% | 176 | |
47 | TJC Mortgage, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,689 | +0.477% | 255 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Strong | $3,213 | +0.832% | 164 | |
49 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Sound | Sound | Strong | $3,730 | +0.929% | 133 | |
50 | Consumer First Mortgage, Inc. | Sound | Mediocre | Acceptable | Acceptable | Strong | $3,259 | +0.505% | 153 |
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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