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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 Lenders in Gadsden
Updated February 6, 2026
Market Overview
27
Total Lenders
867
Total Loans
0.42%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,088 | +0.201% | 39 | |
2 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,022 | +0.401% | 26 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,518 | +0.515% | 97 | |
4 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,143 | +0.305% | 87 | |
5 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,040 | +0.098% | 57 | |
6 | Regions Bank | Strong | Sound | Strong | Strong | $1,213 | +0.529% | 47 | |
7 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $2,172 | +0.540% | 95 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,835 | +0.372% | 48 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,998 | +0.790% | 38 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,993 | +0.386% | 25 | |
11 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,284 | +0.537% | 41 | |
12 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,255 | -0.377% | 32 | |
13 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $1,732 | +0.310% | 24 | |
14 | ALABAMA TEACHERS CREDIT UNION | Sound | Mediocre | Acceptable | Exceptional | $856 | +0.624% | 46 |
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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