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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 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 | 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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $965 | -0.454% | 655 | |
6 | Heritage Mortgage, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,503 | -0.129% | 397 | |
7 | ServisFirst Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,853 | +0.169% | 316 | |
8 | Tyndall Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,320 | +0.165% | 141 | |
9 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,257 | +0.159% | 1,072 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,190 | +0.146% | 795 | |
11 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,602 | +0.065% | 785 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,146 | -0.026% | 747 | |
13 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,588 | +0.010% | 434 | |
14 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,171 | +0.210% | 386 | |
15 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,083 | +0.097% | 322 | |
16 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,771 | +0.301% | 283 | |
17 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $2,038 | +0.149% | 213 | |
18 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,878 | +0.543% | 161 | |
19 | BankPlus | Exceptional | Exceptional | Strong | Strong | Strong | $1,307 | +0.035% | 158 | |
20 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,799 | +0.253% | 1,916 | |
21 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,656 | +0.422% | 1,445 | |
22 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,491 | +0.261% | 1,328 | |
23 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,101 | +0.274% | 767 | |
24 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,150 | +0.202% | 677 | |
25 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321 | +0.182% | 573 | |
26 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,636 | +0.334% | 556 | |
27 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.297% | 463 | |
28 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,937 | +0.245% | 214 | |
29 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $908 | +0.048% | 121 | |
30 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,218 | +0.213% | 651 | |
31 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,837 | -0.159% | 380 | |
32 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,411 | +0.134% | 371 | |
33 | AVADIAN | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,467 | +0.075% | 291 | |
34 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,488 | +0.367% | 205 | |
35 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,622 | +0.387% | 201 | |
36 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,626 | +0.450% | 146 | |
37 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829 | +0.446% | 4,227 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,425 | +0.452% | 1,578 | |
39 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,104 | +0.191% | 756 | |
40 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,163 | +0.416% | 549 | |
41 | SouthPoint Bank | Strong | Sound | Strong | Strong | Exceptional | $2,350 | +0.221% | 516 | |
42 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,031 | +0.284% | 403 | |
43 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,771 | +0.345% | 397 | |
44 | Bank Independent | Strong | Sound | Sound | Exceptional | Exceptional | $2,807 | +0.168% | 292 | |
45 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,776 | +0.274% | 241 | |
46 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,269 | +0.486% | 207 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,814 | +0.345% | 183 | |
48 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,419 | +0.234% | 145 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839 | +0.667% | 1,857 | |
50 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107 | +0.392% | 1,317 |
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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