Safe Rate Rankings

Best Bank Mortgage Lenders in Huntsville

Updated May 29, 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 Lenders102

Total Loans8,999

Median Rate Spread0.13%

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

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.