Safe Rate Rankings

Best Conventional Mortgage Lenders in Dothan

Updated May 20, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders37

Total Loans1,316

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$774Fees	0.645%Below	27
2	BankPlusBank	Exceptional	Strong	Strong	Strong	Strong	$1,733Fees	0.007%Above	27
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,888Fees	0.456%Above	119
4	Ameris BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,806Fees	0.429%Above	34
5	Tyndall Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Strong	$428Fees	0.135%Above	30
6	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,039Fees	0.165%Below	24
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,678Fees	0.427%Above	81
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,104Fees	0.702%Above	63
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,796Fees	0.177%Below	47
10	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,953Fees	0.193%Below	34
11	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$2,394Fees	0.227%Above	24
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,868Fees	0.193%Above	19
13	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Exceptional	$2,026Fees	0.546%Above	116
14	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,413Fees	0.528%Above	47
15	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,170Fees	0.254%Above	46
16	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,190Fees	0.577%Above	36
17	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,178Fees	0.142%Above	35
18	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,444Fees	0.674%Above	35
19	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,983Fees	0.202%Above	33
20	Synovus BankBank	Strong	Sound	Strong	Strong	Sound	$2,005Fees	0.166%Above	21
21	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$1,063Fees	0.983%Above	135
22	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,194Fees	0.589%Above	25
23	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,147Fees	0.452%Above	15
24	Troy Bank and Trust CompanyBank	Strong	Acceptable	Sound	Strong	Strong	$1,177Fees	0.360%Above	28
25	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,138Fees	0.203%Below	18
26	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,775Fees	0.959%Above	13
27	AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,294Fees	0.174%Above	23
28	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$2,876Fees	0.679%Above	21
29	River Bank & TrustBank	Sound	Mediocre	Sound	Sound	Sound	$2,111Fees	0.434%Above	15

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.