# Best Mortgage Lenders in Gadsden, AL

**As of:** 2026-05-20

Compare the top mortgage lenders in Gadsden, AL. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/gadsden-al/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 27
- **Total Loans:** 867
- **Median Rate Spread:** 0.41859259259259257%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 78 | 41 | 93 | 39 | Independent Mortgage Company |
| 2 | MORTGAGE INVESTORS GROUP, INC. | 78 | 43 | 80 | 26 | Independent Mortgage Company |
| 3 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 97 | Independent Mortgage Company |
| 4 | Renasant Bank | 74 | 38 | 81 | 87 | Bank |
| 5 | First Federal Bank, A FSB | 74 | 40 | 81 | 57 | Bank |
| 6 | Regions Bank | 73 | 41 | 64 | 47 | Bank |
| 7 | TOWNE MORTGAGE COMPANY | 68 | 40 | 79 | 95 | Independent Mortgage Company |
| 8 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 48 | Independent Mortgage Company |
| 9 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 38 | Independent Mortgage Company |
| 10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 25 | Independent Mortgage Company |
| 11 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 41 | Independent Mortgage Company |
| 12 | Mortgage Research Center, LLC | 63 | 34 | 70 | 32 | Independent Mortgage Company |
| 13 | HUNT MORTGAGE CORPORATION | 63 | 25 | 77 | 24 | Independent Mortgage Company |
| 14 | ALABAMA TEACHERS CREDIT UNION | 43 | 17 | 27 | 46 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Gadsden, AL.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.