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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 USDA Mortgage Company Lenders in Alabama
Updated February 6, 2026
Market Overview
36
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 | GMFS LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,602 | +0.065% | 785 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $83 | -0.462% | 291 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,862 | +0.120% | 3,461 | |
4 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 | |
5 | LENDLO MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,443 | +0.108% | 303 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
7 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,771 | +0.345% | 397 | |
8 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,370 | -0.150% | 338 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,622 | +0.387% | 201 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,101 | +0.274% | 767 | |
11 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,636 | +0.334% | 556 | |
12 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,818 | +0.254% | 379 | |
13 | Hamilton Mortgage Corporation | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,984 | +0.326% | 357 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,588 | +0.010% | 434 | |
15 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,083 | +0.097% | 322 | |
16 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,771 | +0.301% | 283 | |
17 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,878 | +0.543% | 161 | |
18 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,419 | +0.234% | 145 | |
19 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,597 | +0.355% | 894 | |
20 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534 | +0.405% | 764 | |
21 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218 | +0.568% | 550 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,839 | +0.667% | 1,857 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,937 | +0.245% | 214 | |
24 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,958 | +0.842% | 129 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,425 | +0.452% | 1,578 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,656 | +0.422% | 1,445 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,128 | +0.427% | 750 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,237 | +0.664% | 653 | |
29 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,163 | +0.416% | 549 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,625 | +0.549% | 244 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,338 | +0.480% | 672 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $3,372 | +0.514% | 141 | |
33 | TJC Mortgage, Inc. | Sound | Mediocre | Strong | Strong | Strong | $3,689 | +0.477% | 255 | |
34 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,907 | +0.366% | 245 | |
35 | Consumer First Mortgage, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,259 | +0.505% | 153 | |
36 | SOUTHWEST FUNDING, LP | Sound | Mediocre | Strong | Sound | Strong | $3,730 | +0.929% | 133 |
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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