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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 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 | Trustmark National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,799 | +0.253% | 1,916 | |
2 | GMFS LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,602 | +0.065% | 785 | |
3 | Synovus Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,321 | +0.182% | 573 | |
4 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $83 | -0.462% | 291 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,862 | +0.120% | 3,461 | |
6 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 | |
7 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,104 | +0.191% | 756 | |
8 | LENDLO MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,443 | +0.108% | 303 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
10 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,771 | +0.345% | 397 | |
11 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,370 | -0.150% | 338 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,622 | +0.387% | 201 | |
13 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,491 | +0.261% | 1,328 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,101 | +0.274% | 767 | |
15 | REDSTONE Federal Credit Union | Exceptional | Strong | — | Strong | Exceptional | $1,218 | +0.213% | 651 | |
16 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,636 | +0.334% | 556 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,818 | +0.254% | 379 | |
18 | Hamilton Mortgage Corporation | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,984 | +0.326% | 357 | |
19 | Plains Commerce Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,269 | +0.486% | 207 | |
20 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,488 | +0.367% | 205 | |
21 | SouthPoint Bank | Strong | Sound | Strong | Strong | Exceptional | $2,350 | +0.221% | 516 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,588 | +0.010% | 434 | |
23 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,171 | +0.210% | 386 | |
24 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,083 | +0.097% | 322 | |
25 | Bank Independent | Strong | Sound | — | Exceptional | Exceptional | $2,807 | +0.168% | 292 | |
26 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,771 | +0.301% | 283 | |
27 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,878 | +0.543% | 161 | |
28 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,419 | +0.234% | 145 | |
29 | Magnolia Bank, Incorporated | Strong | Sound | Exceptional | Strong | Strong | $2,821 | +0.389% | 145 | |
30 | Tyndall Federal Credit Union | Strong | Strong | Sound | Strong | Strong | $1,320 | +0.165% | 141 | |
31 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,518 | +0.138% | 1,204 | |
32 | FirstBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,257 | +0.159% | 1,072 | |
33 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,597 | +0.355% | 894 | |
34 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534 | +0.405% | 764 | |
35 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218 | +0.568% | 550 | |
36 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,031 | +0.284% | 403 | |
37 | AVADIAN | Strong | Sound | — | Strong | Exceptional | $1,467 | +0.075% | 291 | |
38 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,815 | +0.363% | 1,890 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,839 | +0.667% | 1,857 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,937 | +0.245% | 214 | |
41 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,958 | +0.842% | 129 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,425 | +0.452% | 1,578 | |
43 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,656 | +0.422% | 1,445 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,128 | +0.427% | 750 | |
45 | SouthState Bank, National Association | Strong | Sound | Sound | Acceptable | Exceptional | $2,150 | +0.202% | 677 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,237 | +0.664% | 653 | |
47 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,163 | +0.416% | 549 | |
48 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,625 | +0.549% | 244 | |
49 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,338 | +0.480% | 672 | |
50 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $3,372 | +0.514% | 141 |
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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