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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 Mortgage Lenders in Birmingham
Updated February 5, 2026
Market Overview
134
Total Lenders
13,445
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | $2,712 | +0.002% | 244 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $980 | -0.445% | 94 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
4 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,176 | +0.254% | 346 | |
5 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,431 | +0.216% | 335 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $1,424 | +0.075% | 61 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$58 | +0.136% | 52 | |
8 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,692 | +0.314% | 708 | |
9 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,208 | +0.203% | 394 | |
10 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,224 | +0.160% | 339 | |
11 | SouthPoint Bank | Strong | Sound | Strong | Exceptional | $2,393 | +0.206% | 289 | |
12 | GMFS LLC | Strong | Sound | Exceptional | Strong | $3,264 | -0.119% | 174 | |
13 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,077 | +0.235% | 174 | |
14 | AVADIAN | Strong | Sound | Strong | Exceptional | $1,143 | +0.053% | 153 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,137 | +0.072% | 126 | |
16 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,576 | +0.080% | 124 | |
17 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,061 | +0.153% | 107 | |
18 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $1,703 | +0.122% | 84 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,969 | +0.205% | 83 | |
20 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $1,713 | +0.199% | 70 | |
21 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,826 | +0.286% | 68 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $3,136 | +0.551% | 65 | |
23 | APCO EMPLOYEES | Strong | Strong | Sound | Strong | $740 | +0.157% | 43 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,447 | +0.360% | 584 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,635 | +0.470% | 362 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,041 | +0.310% | 357 | |
28 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,786 | +0.264% | 295 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,813 | +0.512% | 264 | |
30 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,407 | +0.048% | 187 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,184 | +0.168% | 187 | |
32 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,823 | +0.702% | 176 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,636 | +0.195% | 168 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,857 | +0.486% | 145 | |
35 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,519 | +0.091% | 94 | |
36 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,871 | +0.132% | 84 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,980 | +0.283% | 345 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,000 | +0.544% | 251 | |
39 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $1,950 | +0.376% | 152 | |
40 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,265 | +0.319% | 73 | |
41 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,187 | -0.099% | 53 | |
42 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,393 | +0.195% | 51 | |
43 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $1,575 | +0.399% | 49 | |
44 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,412 | +0.341% | 47 | |
45 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,062 | +0.591% | 164 | |
46 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,424 | +0.495% | 148 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,506 | +0.445% | 112 | |
48 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,752 | +0.235% | 93 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,347 | +0.243% | 68 | |
50 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,992 | +0.362% | 67 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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