Safe Rate Rankings

Best All Lender Mortgage Lenders in Gadsden

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 Lenders27

Total Loans867

Median Rate Spread0.42%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$3,088Fees	0.201%Above	39
2	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,022Fees	0.401%Above	26
3	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,518Fees	0.515%Above	97
4	Renasant BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,143Fees	0.305%Above	87
5	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Exceptional	$3,040Fees	0.098%Above	57
6	Regions BankBank	Strong	Sound	Strong	Strong	$1,213Fees	0.529%Above	47
7	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,172Fees	0.540%Above	95
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,835Fees	0.372%Above	48
9	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,998Fees	0.790%Above	38
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,993Fees	0.386%Above	25
11	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,284Fees	0.537%Above	41
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,255Fees	0.377%Below	32
13	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,732Fees	0.310%Above	24
14	ALABAMA TEACHERS CREDIT UNIONCredit Union	Sound	Mediocre	Acceptable	Exceptional	$856Fees	0.624%Above	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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.