# Best USDA Mortgage Lenders in Alabama

**As of:** 2026-05-20

Compare the top USDA mortgage lenders in Alabama. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/alabama/best-mortgage-lenders/usda-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 278
- **Total Loans:** 59,046
- **Median Rate Spread:** 0.3489233716475096%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Trustmark National Bank | 95 | 88 | 73 | 1,916 | Bank |
| 2 | GMFS LLC | 95 | 85 | 68 | 785 | Independent Mortgage Company |
| 3 | Synovus Bank | 95 | 84 | 66 | 573 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 3,461 | Independent Mortgage Company |
| 5 | GUILD MORTGAGE COMPANY LLC | 89 | 71 | 78 | 1,317 | Independent Mortgage Company |
| 6 | Cadence Bank | 89 | 71 | 70 | 756 | Bank |
| 7 | LENDLO MORTGAGE, LLC | 89 | 63 | 85 | 303 | Independent Mortgage Company |
| 8 | DSLD MORTGAGE, LLC | 89 | 98 | 66 | 291 | Independent Mortgage Company |
| 9 | Prosperity Home Mortgage, LLC | 85 | 63 | 75 | 463 | Independent Mortgage Company |
| 10 | NEWREZ LLC | 85 | 65 | 69 | 397 | Independent Mortgage Company |
| 11 | FBC MORTGAGE, LLC | 85 | 60 | 75 | 338 | Independent Mortgage Company |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 85 | 69 | 72 | 201 | Independent Mortgage Company |
| 13 | Renasant Bank | 83 | 49 | 67 | 1,328 | Bank |
| 14 | CMG MORTGAGE, INC. | 83 | 48 | 72 | 767 | Independent Mortgage Company |
| 15 | TOWNE MORTGAGE COMPANY | 83 | 54 | 69 | 556 | Independent Mortgage Company |
| 16 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 379 | Independent Mortgage Company |
| 17 | Hamilton Mortgage Corporation | 83 | 58 | 77 | 357 | Independent Mortgage Company |
| 18 | United Community Bank | 80 | 78 | 60 | 205 | Bank |
| 19 | REDSTONE Federal Credit Union | 79 | 67 | 64 | 651 | Credit Union |
| 20 | SouthPoint Bank | 79 | 47 | 68 | 516 | Bank |
| 21 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 47 | 61 | 434 | Independent Mortgage Company |
| 22 | Ameris Bank | 79 | 53 | 70 | 386 | Bank |
| 23 | FIRST COLONY MORTGAGE CORPORATION | 79 | 58 | 63 | 322 | Independent Mortgage Company |
| 24 | MORTGAGE INVESTORS GROUP, INC. | 79 | 51 | 67 | 283 | Independent Mortgage Company |
| 25 | Plains Commerce Bank | 79 | 79 | 58 | 207 | Bank |
| 26 | INTERLINC MORTGAGE SERVICES, LLC | 79 | 50 | 75 | 161 | Independent Mortgage Company |
| 27 | PLANET HOME LENDING, LLC | 79 | 52 | 72 | 145 | Independent Mortgage Company |
| 28 | Magnolia Bank, Incorporated | 79 | 53 | 71 | 145 | Bank |
| 29 | Bank Independent | 77 | 41 | 83 | 292 | Bank |
| 30 | First Federal Bank, A FSB | 75 | 40 | 70 | 1,204 | Bank |
| 31 | FirstBank | 75 | 36 | 63 | 1,072 | Bank |
| 32 | CANOPY MORTGAGE, LLC | 75 | 20 | 70 | 894 | Independent Mortgage Company |
| 33 | STOCKTON MORTGAGE CORPORATION | 75 | 23 | 70 | 764 | Independent Mortgage Company |
| 34 | Assurance Financial Group, L.L.C. | 75 | 24 | 76 | 550 | Independent Mortgage Company |
| 35 | Tyndall Federal Credit Union | 74 | 65 | 77 | 141 | Credit Union |
| 36 | Flagstar Bank, N.A. | 73 | 41 | 58 | 403 | Bank |
| 37 | AVADIAN | 73 | 44 | 72 | 291 | Credit Union |
| 38 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 214 | Independent Mortgage Company |
| 39 | LEADERONE FINANCIAL CORPORATION | 71 | 24 | 70 | 129 | Independent Mortgage Company |
| 40 | Regions Bank | 70 | 32 | 57 | 1,890 | Bank |
| 41 | Mortgage Research Center, LLC | 70 | 34 | 47 | 1,857 | Independent Mortgage Company |
| 42 | EMBRACE HOME LOANS, INC. | 67 | 27 | 72 | 244 | Independent Mortgage Company |
| 43 | LOANDEPOT.COM, LLC | 66 | 31 | 59 | 549 | Independent Mortgage Company |
| 44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 63 | 17 | 73 | 1,578 | Independent Mortgage Company |
| 45 | MOVEMENT MORTGAGE, LLC | 63 | 8 | 70 | 1,445 | Independent Mortgage Company |
| 46 | UNION HOME MORTGAGE CORP. | 63 | 15 | 68 | 750 | Independent Mortgage Company |
| 47 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 653 | Independent Mortgage Company |
| 48 | SouthState Bank, National Association | 62 | 49 | 24 | 677 | Bank |
| 49 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 7 | 70 | 672 | Independent Mortgage Company |
| 50 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 60 | 17 | 79 | 141 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Alabama.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.