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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 Conventional 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	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$980	-0.445%	94
2	Truist Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,424	+0.075%	61
3	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Strong	-$58	+0.136%	52
4	SouthState Bank, National Association	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,208	+0.203%	394
5	FirstBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,176	+0.254%	346
6	Cadence Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,224	+0.160%	339
7	Trustmark National Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,431	+0.216%	335
8	GMFS LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,264	-0.119%	174
9	Wells Fargo Bank, National Association	Exceptional	Strong	Exceptional	Sound	Strong	$2,137	+0.072%	126
10	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,909	+0.166%	987
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,045	+0.442%	848
12	Synovus Bank	Strong	Sound	Strong	Strong	Exceptional	$2,077	+0.235%	174
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,857	+0.486%	145
14	Ameris Bank	Strong	Sound	Exceptional	Strong	Strong	$2,061	+0.153%	107
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$2,519	+0.091%	94
16	First Horizon Bank	Strong	Sound	Exceptional	Strong	Strong	$1,871	+0.132%	84
17	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,969	+0.205%	83
18	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$3,136	+0.551%	65
19	Regions Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,692	+0.314%	708
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,447	+0.360%	584
21	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,635	+0.470%	362
22	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,041	+0.310%	357
23	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,980	+0.283%	345
24	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,786	+0.264%	295
25	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,813	+0.512%	264
26	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,184	+0.168%	187
27	AVADIAN	Strong	Sound	Sound	Strong	Exceptional	$1,143	+0.053%	153
28	ServisFirst Bank	Strong	Sound	Strong	Strong	Strong	$1,703	+0.122%	84
29	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,337	+0.073%	40
30	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,151	+0.830%	31
31	First Federal Bank, A FSB	Strong	Acceptable	Strong	Strong	Exceptional	$3,407	+0.048%	187
32	Assurance Financial Group, L.L.C.	Strong	Acceptable	Strong	Strong	Exceptional	$3,823	+0.702%	176
33	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,636	+0.195%	168
34	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,424	+0.495%	148
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,506	+0.445%	112
36	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,752	+0.235%	93
37	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,265	+0.319%	73
38	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,713	+0.199%	70
39	MORTGAGE INVESTORS GROUP, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,826	+0.286%	68
40	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,347	+0.243%	68
41	Plains Commerce Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,992	+0.362%	67
42	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,255	+0.681%	53
43	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,679	+0.530%	50
44	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$1,575	+0.399%	49
45	SouthPoint Bank	Strong	Acceptable	Strong	Sound	Exceptional	$2,393	+0.206%	289
46	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,000	+0.544%	251
47	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,712	+0.002%	244
48	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,062	+0.591%	164
49	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,235	+0.719%	108
50	HUNT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,235	+0.201%	49

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.

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