# Best Conventional Mortgage Bank Lenders in Huntsville, AL

**As of:** 2026-05-29

Compare the top banks for Conventional loans in Huntsville, AL.

> **Canonical URL:** https://saferate.com/huntsville-al/best-mortgage-lenders/banks/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 102
- **Total Loans:** 8,999
- **Median Rate Spread:** 0.12898039215686274%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FirstBank | 83 | 50 | 75 | 386 | Bank |
| 2 | Trustmark National Bank | 83 | 48 | 79 | 287 | Bank |
| 3 | SouthState Bank, National Association | 79 | 48 | 72 | 133 | Bank |
| 4 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 71 | Bank |
| 5 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 54 | Bank |
| 6 | Cadence Bank | 79 | 48 | 71 | 49 | Bank |
| 7 | PNC Bank, National Association | 79 | 75 | 63 | 38 | Bank |
| 8 | U.S. Bank National Association | 79 | 75 | 69 | 26 | Bank |
| 9 | Truist Bank | 79 | 71 | 69 | 22 | Bank |
| 10 | Regions Bank | 75 | 39 | 64 | 194 | Bank |
| 11 | Synovus Bank | 74 | 48 | 62 | 109 | Bank |
| 12 | Pinnacle Bank | 74 | 58 | 69 | 81 | Bank |
| 13 | Colorado Federal Savings Bank | 74 | 72 | 50 | 64 | Bank |
| 14 | ServisFirst Bank | 74 | 57 | 79 | 56 | Bank |
| 15 | First Horizon Bank | 73 | 57 | 65 | 39 | Bank |
| 16 | NBKC BANK | 73 | 90 | 49 | 24 | Bank |
| 17 | Renasant Bank | 71 | 35 | 77 | 90 | Bank |
| 18 | Bank Independent | 71 | 38 | 83 | 51 | Bank |
| 19 | United Community Bank | 66 | 34 | 65 | 28 | Bank |
| 20 | USAA Federal Savings Bank | 63 | 53 | 27 | 81 | Bank |
| 21 | First Federal Bank, A FSB | 63 | 28 | 75 | 30 | Bank |
| 22 | GRANITE BANK | 63 | 34 | 71 | 20 | Bank |
| 23 | CB&S Bank, Inc. | 58 | 29 | 52 | 37 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Huntsville, AL.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.