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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 Bank Mortgage Lenders in Huntsville
Updated February 5, 2026
Market Overview
25
Total Lenders
2,129
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,145 | +0.016% | 386 | |
2 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,504 | +0.091% | 287 | |
3 | Pinnacle Bank | Strong | Strong | Strong | Strong | $3,650 | -0.054% | 81 | |
4 | NBKC BANK | Strong | Exceptional | Sound | Sound | $328 | -0.212% | 24 | |
5 | Regions Bank | Strong | Sound | Strong | Exceptional | $2,529 | +0.202% | 194 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,349 | -0.024% | 71 | |
7 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $1,642 | -0.059% | 64 | |
8 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $2,636 | +0.028% | 56 | |
9 | Bank Independent | Strong | Sound | Exceptional | Strong | $3,184 | +0.206% | 51 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | $598 | +0.146% | 38 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $542 | -0.027% | 26 | |
12 | Truist Bank | Strong | Strong | Strong | Sound | $625 | +0.079% | 22 | |
13 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,050 | +0.060% | 133 | |
14 | Synovus Bank | Strong | Sound | Strong | Strong | $2,513 | +0.037% | 109 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,501 | +0.376% | 54 | |
16 | Cadence Bank | Strong | Sound | Strong | Strong | $1,620 | +0.058% | 49 | |
17 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,664 | +0.077% | 90 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,926 | -0.214% | 81 | |
19 | First Horizon Bank | Strong | Sound | Strong | Sound | $3,212 | +0.107% | 39 | |
20 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Sound | $4,073 | +0.008% | 30 | |
21 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Strong | $2,297 | +0.184% | 37 | |
22 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,553 | +0.208% | 23 | |
23 | GRANITE BANK | Sound | Acceptable | Strong | Sound | $2,032 | +0.239% | 20 | |
24 | United Community Bank | Sound | Acceptable | Sound | Sound | $1,602 | +0.302% | 28 | |
25 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $4,895 | +0.505% | 24 |
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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