Safe Rate Rankings

Best Conventional Mortgage Bank 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

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

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.