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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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,712 | +0.002% | 244 | |
2 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,576 | +0.080% | 124 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
4 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,176 | +0.254% | 346 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,980 | +0.283% | 345 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,061 | +0.153% | 107 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $980 | -0.445% | 94 | |
8 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,208 | +0.203% | 394 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,635 | +0.470% | 362 | |
10 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,431 | +0.216% | 335 | |
11 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,786 | +0.264% | 295 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,184 | +0.168% | 187 | |
13 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,264 | -0.119% | 174 | |
14 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,077 | +0.235% | 174 | |
15 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,636 | +0.195% | 168 | |
16 | AVADIAN | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,143 | +0.053% | 153 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,136 | +0.551% | 65 | |
18 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,187 | -0.099% | 53 | |
19 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,412 | +0.341% | 47 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,447 | +0.360% | 584 | |
22 | SouthPoint Bank | Strong | Sound | Strong | Strong | Exceptional | $2,393 | +0.206% | 289 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,857 | +0.486% | 145 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,752 | +0.235% | 93 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,768 | +0.333% | 93 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,347 | +0.243% | 68 | |
27 | STG MORTGAGE INC | Strong | Strong | Strong | Sound | Strong | $1,575 | +0.399% | 49 | |
28 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,401 | +0.188% | 44 | |
29 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,692 | +0.314% | 708 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,041 | +0.310% | 357 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,813 | +0.512% | 264 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,000 | +0.544% | 251 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,265 | +0.319% | 73 | |
34 | Bank of England | Strong | Sound | Strong | Strong | Strong | $2,865 | +0.350% | 51 | |
35 | HUNT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $2,235 | +0.201% | 49 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,151 | +0.830% | 31 | |
37 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,407 | +0.048% | 187 | |
38 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,424 | +0.495% | 148 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,506 | +0.445% | 112 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,679 | +0.530% | 50 | |
41 | Hamilton Mortgage Corporation | Strong | Acceptable | Sound | Strong | Exceptional | $1,950 | +0.376% | 152 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,453 | +0.539% | 54 | |
43 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,062 | +0.591% | 164 | |
44 | TJC Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $3,807 | +0.438% | 110 | |
45 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,255 | +0.681% | 53 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,491 | +0.174% | 46 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,235 | +0.719% | 108 | |
48 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $2,852 | +0.738% | 71 | |
49 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,829 | +0.933% | 40 | |
50 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,349 | +0.530% | 29 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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