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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 VA Mortgage Company Lenders in Alabama

Updated February 6, 2026

Market Overview

Total Lenders

59,046

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	FBC MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$2,370	-0.150%	338
2	LENDLO MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$2,443	+0.108%	303
3	DSLD MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$83	-0.462%	291
4	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,862	+0.120%	3,461
5	Heritage Mortgage, LLC	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,503	-0.129%	397
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$3,190	+0.146%	795
7	GMFS LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,602	+0.065%	785
8	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,146	-0.026%	747
9	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,588	+0.010%	434
10	FIRST COLONY MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,083	+0.097%	322
11	MORTGAGE INVESTORS GROUP, INC.	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,771	+0.301%	283
12	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Exceptional	Strong	Strong	Strong	$1,878	+0.543%	161
13	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,656	+0.422%	1,445
14	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,101	+0.274%	767
15	TOWNE MORTGAGE COMPANY	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,636	+0.334%	556
16	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,052	+0.297%	463
17	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,937	+0.245%	214
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,622	+0.387%	201
19	SWBC MORTGAGE CORPORATION	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,626	+0.450%	146
20	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,829	+0.446%	4,227
21	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,425	+0.452%	1,578
22	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,163	+0.416%	549
23	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,771	+0.345%	397
24	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,776	+0.274%	241
25	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,814	+0.345%	183
26	PLANET HOME LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,419	+0.234%	145
27	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,839	+0.667%	1,857
28	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,107	+0.392%	1,317
29	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,534	+0.405%	764
30	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,128	+0.427%	750
31	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,818	+0.254%	379
32	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,372	+0.514%	141
33	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,338	+0.480%	672
34	Assurance Financial Group, L.L.C.	Strong	Acceptable	Strong	Strong	Exceptional	$3,218	+0.568%	550
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,280	+0.463%	475
36	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Strong	$3,026	+0.457%	145
37	GoodLeap, LLC	Strong	Sound	Strong	Sound	Strong	$3,095	+0.151%	131
38	CANOPY MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$4,597	+0.355%	894
39	Hamilton Mortgage Corporation	Strong	Acceptable	Sound	Strong	Exceptional	$1,984	+0.326%	357
40	MORIA DEVELOPMENT, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,907	+0.366%	245
41	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	Strong	$3,625	+0.549%	244
42	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,548	+0.335%	190
43	SOUTHWEST FUNDING, LP	Strong	Acceptable	Strong	Strong	Strong	$3,730	+0.929%	133
44	ACOPIA, LLC	Strong	Acceptable	Strong	Strong	Strong	$3,198	+0.596%	120
45	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,237	+0.664%	653
46	TJC Mortgage, Inc.	Strong	Acceptable	Strong	Sound	Strong	$3,689	+0.477%	255
47	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,213	+0.832%	164
48	LEADERONE FINANCIAL CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$2,958	+0.842%	129
49	NEW DAY FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$4,516	+1.179%	271
50	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$2,784	+1.357%	176

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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