Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Ameris BankBank	Strong	Sound	Exceptional	Exceptional	$2,139Fees	0.164%Above	117
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,916Fees	0.141%Above	89
3	SouthPoint BankBank	Strong	Sound	Strong	Exceptional	$1,485Fees	0.069%Above	52
4	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,721Fees	0.675%Above	35
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,437Fees	0.631%Above	115
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$1,547Fees	0.747%Above	64
7	Regions BankBank	Strong	Sound	Strong	Strong	$887Fees	0.425%Above	32
8	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,984Fees	0.585%Above	32
9	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Strong	$3,529Fees	0.051%Above	22
10	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,763Fees	0.625%Above	25
11	SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,956Fees	0.441%Above	37
12	ACOPIA, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	$3,704Fees	0.557%Above	32
13	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	$3,201Fees	0.876%Above	21

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.