Safe Rate Rankings

Best Conventional Mortgage Lenders in Anniston

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders25

Total Loans874

Median Rate Spread0.42%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Ameris BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,139Fees	0.164%Above	117
2	AOD Federal Credit UnionCredit Union	Exceptional	Strong	Sound	Exceptional	Strong	$1,705Fees	0.139%Below	19
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,437Fees	0.631%Above	115
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,916Fees	0.141%Above	89
5	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,721Fees	0.675%Above	35
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,547Fees	0.747%Above	64
7	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,984Fees	0.585%Above	32
8	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$887Fees	0.425%Above	32
9	SouthPoint BankBank	Strong	Acceptable	Strong	Sound	Exceptional	$1,485Fees	0.069%Above	52
10	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,760Fees	0.534%Above	19
11	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,011Fees	0.703%Above	18
12	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,539Fees	0.226%Above	14
13	ACOPIA, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,704Fees	0.557%Above	32
14	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Strong	$2,956Fees	0.441%Above	37
15	ALABAMA TEACHERS CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Sound	Sound	$1,113Fees	0.416%Above	11

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.