Safe Rate Rankings

Best VA 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Exceptional	Exceptional	Strong	Strong	Exceptional	$2,026Fees	0.546%Above	116
2	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,796Fees	0.177%Below	47
3	BankPlusBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,733Fees	0.007%Above	27
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$774Fees	0.645%Below	27
5	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,104Fees	0.702%Above	63
6	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$1,953Fees	0.193%Below	34
7	Renasant BankBank	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,170Fees	0.254%Above	46
8	CMG MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,983Fees	0.202%Above	33
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,888Fees	0.456%Above	119
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$1,678Fees	0.427%Above	81
11	Synovus BankBank	Strong	Strong	Strong	Strong	Sound	$2,005Fees	0.166%Above	21
12	USAA Federal Savings BankBank	Strong	Strong	Exceptional	Sound	Sound	$2,138Fees	0.203%Below	18
13	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,063Fees	0.983%Above	135
14	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,190Fees	0.577%Above	36
15	SOUTHWEST FUNDING, LPIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$2,876Fees	0.679%Above	21
16	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,652Fees	0.596%Above	19
17	NEW DAY FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Acceptable	$3,481Fees	1.180%Above	10

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.