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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 Huntsville
Updated February 5, 2026
Market Overview
102
Total Lenders
8,999
Total Loans
0.13%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | $133 | -0.529% | 180 | |
2 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,257 | +0.181% | 400 | |
3 | Heritage Mortgage, LLC | Exceptional | Strong | Strong | Exceptional | $2,544 | -0.148% | 304 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,176 | -0.471% | 125 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,703 | -0.033% | 682 | |
6 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,145 | +0.016% | 386 | |
7 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,504 | +0.091% | 287 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $3,179 | -0.291% | 208 | |
9 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,642 | +0.031% | 190 | |
10 | Pinnacle Bank | Strong | Strong | Strong | Strong | $3,650 | -0.054% | 81 | |
11 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $771 | -0.771% | 43 | |
12 | NBKC BANK | Strong | Exceptional | Sound | Sound | $328 | -0.212% | 24 | |
13 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,529 | +0.202% | 194 | |
14 | GMFS LLC | Strong | Sound | Exceptional | Strong | $2,716 | -0.003% | 161 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,349 | -0.024% | 71 | |
16 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $1,642 | -0.059% | 64 | |
17 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $2,636 | +0.028% | 56 | |
18 | Bank Independent | Strong | Sound | Exceptional | Strong | $3,184 | +0.206% | 51 | |
19 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,253 | +0.066% | 48 | |
20 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $598 | +0.146% | 38 | |
21 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $542 | -0.027% | 26 | |
22 | Truist Bank | Strong | Strong | Strong | Sound | $625 | +0.079% | 22 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,258 | +0.300% | 585 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,455 | -0.192% | 212 | |
25 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,050 | +0.060% | 133 | |
26 | Synovus Bank | Strong | Sound | Strong | Strong | $2,513 | +0.037% | 109 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,486 | -0.250% | 88 | |
28 | AVADIAN | Strong | Sound | Strong | Strong | $2,788 | +0.083% | 83 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,097 | +0.245% | 78 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,501 | +0.376% | 54 | |
31 | Cadence Bank | Strong | Sound | Strong | Strong | $1,620 | +0.058% | 49 | |
32 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Sound | $2,855 | +0.121% | 23 | |
33 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $5,094 | +0.162% | 272 | |
34 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,416 | +0.116% | 208 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,596 | +0.175% | 152 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,823 | +0.055% | 94 | |
37 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,664 | +0.077% | 90 | |
38 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,926 | -0.214% | 81 | |
39 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $2,678 | +0.192% | 72 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,197 | +0.319% | 69 | |
41 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Strong | $4,091 | +0.269% | 68 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $4,336 | +0.218% | 66 | |
43 | First Horizon Bank | Strong | Sound | Strong | Sound | $3,212 | +0.107% | 39 | |
44 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $857 | +0.630% | 23 | |
45 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,644 | -0.058% | 23 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $427 | +1.032% | 207 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,721 | +0.480% | 80 | |
48 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,582 | +0.252% | 76 | |
49 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Strong | $2,250 | +0.179% | 62 | |
50 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,446 | +0.216% | 53 |
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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