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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 Company Lenders in Birmingham
Updated February 5, 2026
Market Overview
50
Total Lenders
8,551
Total Loans
0.46%
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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
3 | GMFS LLC | Strong | Sound | Exceptional | Strong | $3,264 | -0.119% | 174 | |
4 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,576 | +0.080% | 124 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,969 | +0.205% | 83 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $1,713 | +0.199% | 70 | |
7 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,826 | +0.286% | 68 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $3,136 | +0.551% | 65 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,447 | +0.360% | 584 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,635 | +0.470% | 362 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,041 | +0.310% | 357 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,813 | +0.512% | 264 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,184 | +0.168% | 187 | |
15 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,823 | +0.702% | 176 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,636 | +0.195% | 168 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,857 | +0.486% | 145 | |
18 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,980 | +0.283% | 345 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $3,000 | +0.544% | 251 | |
20 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $1,950 | +0.376% | 152 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,265 | +0.319% | 73 | |
22 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,393 | +0.195% | 51 | |
23 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $1,575 | +0.399% | 49 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,412 | +0.341% | 47 | |
25 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,062 | +0.591% | 164 | |
26 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $4,424 | +0.495% | 148 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,506 | +0.445% | 112 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,752 | +0.235% | 93 | |
29 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $3,255 | +0.681% | 53 | |
30 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,679 | +0.530% | 50 | |
31 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,235 | +0.201% | 49 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,401 | +0.188% | 44 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,337 | +0.073% | 40 | |
34 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $2,939 | +0.339% | 35 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,235 | +0.719% | 108 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,768 | +0.333% | 93 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,453 | +0.539% | 54 | |
38 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,539 | +0.487% | 42 | |
39 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $1,946 | +0.207% | 35 | |
40 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $2,234 | +0.348% | 34 | |
41 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,151 | +0.830% | 31 | |
42 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | $2,325 | +0.159% | 86 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $3,866 | +0.988% | 49 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,491 | +0.174% | 46 | |
45 | TJC Mortgage, Inc. | Sound | Mediocre | Sound | Strong | $3,807 | +0.438% | 110 | |
46 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Sound | Strong | $2,852 | +0.738% | 71 | |
47 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $2,690 | +1.311% | 37 | |
48 | ACOPIA, LLC | Sound | Mediocre | Strong | Sound | $2,932 | +0.842% | 31 | |
49 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,780 | +0.833% | 44 |
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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