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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 Company Lenders in Birmingham

Updated February 5, 2026

Market Overview

Total Lenders

13,445

Total Loans

0.34%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	GMFS LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,264	-0.119%	174
2	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,909	+0.166%	987
3	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,045	+0.442%	848
4	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,857	+0.486%	145
5	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,969	+0.205%	83
6	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Strong	$3,136	+0.551%	65
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,447	+0.360%	584
8	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,635	+0.470%	362
9	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,041	+0.310%	357
10	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,980	+0.283%	345
11	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,813	+0.512%	264
12	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$2,184	+0.168%	187
13	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$2,337	+0.073%	40
14	PLAZA HOME MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Sound	$2,151	+0.830%	31
15	Assurance Financial Group, L.L.C.	Strong	Acceptable	Strong	Strong	Exceptional	$3,823	+0.702%	176
16	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,636	+0.195%	168
17	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$4,424	+0.495%	148
18	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,506	+0.445%	112
19	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,752	+0.235%	93
20	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,265	+0.319%	73
21	FIRST COLONY MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$1,713	+0.199%	70
22	MORTGAGE INVESTORS GROUP, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,826	+0.286%	68
23	LEADERONE FINANCIAL CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,255	+0.681%	53
24	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,679	+0.530%	50
25	STG MORTGAGE INC	Strong	Sound	Strong	Sound	Strong	$1,575	+0.399%	49
26	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$3,000	+0.544%	251
27	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,712	+0.002%	244
28	CANOPY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,062	+0.591%	164
29	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,235	+0.719%	108
30	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,768	+0.333%	93
31	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,453	+0.539%	54
32	HUNT MORTGAGE CORPORATION	Strong	Acceptable	Strong	Strong	Strong	$2,235	+0.201%	49
33	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,412	+0.341%	47
34	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,401	+0.188%	44
35	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$1,946	+0.207%	35
36	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$2,939	+0.339%	35
37	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Sound	$2,234	+0.348%	34
38	Hamilton Mortgage Corporation	Strong	Acceptable	Sound	Sound	Exceptional	$1,950	+0.376%	152
39	LENDLO MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,576	+0.080%	124
40	MORIA DEVELOPMENT, INC.	Sound	Mediocre	Strong	Strong	Strong	$2,325	+0.159%	86
41	THE MORTGAGE FIRM, INC.	Sound	Mediocre	Strong	Strong	Strong	$3,393	+0.195%	51
42	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,866	+0.988%	49
43	ACOPIA, LLC	Sound	Acceptable	Strong	Sound	Sound	$2,932	+0.842%	31
44	TJC Mortgage, Inc.	Sound	Mediocre	Strong	Sound	Strong	$3,807	+0.438%	110
45	Cornerstone First Mortgage, Inc	Sound	Mediocre	Strong	Sound	Strong	$2,852	+0.738%	71
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Sound	$4,491	+0.174%	46
47	PRINCETON MORTGAGE CORPORATION	Sound	Acceptable	Sound	Acceptable	Strong	$2,539	+0.487%	42
48	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Sound	$2,690	+1.311%	37
49	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	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 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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