Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,518Fees	0.515%Above	97
2	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	Sound	$2,246Fees	0.143%Above	16
3	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,172Fees	0.540%Above	95
4	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,143Fees	0.305%Above	87
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,088Fees	0.201%Above	39
6	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$3,393Fees	0.166%Above	14
7	Ameris BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,950Fees	0.263%Above	12
8	Cadence BankBank	Strong	Sound	Exceptional	Strong	Sound	$2,551Fees	0.349%Above	10
9	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Exceptional	$3,040Fees	0.098%Above	57
10	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,835Fees	0.372%Above	48
11	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,213Fees	0.529%Above	47
12	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,284Fees	0.537%Above	41
13	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,998Fees	0.790%Above	38
14	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,022Fees	0.401%Above	26
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,993Fees	0.386%Above	25
16	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,834Fees	0.116%Below	14
17	FAMILY SAVINGS CREDIT UNIONCredit Union	Strong	Acceptable	Sound	Exceptional	Strong	$499Fees	1.037%Above	15
18	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,570Fees	0.344%Above	12
19	ACOPIA, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,820Fees	0.669%Above	11
20	ALABAMA TEACHERS CREDIT UNIONCredit Union	Sound	Mediocre	Sound	Sound	Exceptional	$856Fees	0.624%Above	46
21	TJC Mortgage, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$3,728Fees	0.679%Above	12

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.