Safe Rate Rankings

Best Conventional Mortgage Lenders in Huntsville

Updated May 20, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$133Fees	0.529%Below	180
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,176Fees	0.471%Below	125
3	REDSTONE Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,257Fees	0.181%Above	400
4	FirstBankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,145Fees	0.016%Above	386
5	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,504Fees	0.091%Above	287
6	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,179Fees	0.291%Below	208
7	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,716Fees	0.003%Below	161
8	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,349Fees	0.024%Below	71
9	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$598Fees	0.146%Above	38
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$542Fees	0.027%Below	26
11	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$328Fees	0.212%Below	24
12	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$625Fees	0.079%Above	22
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,703Fees	0.033%Below	682
14	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,258Fees	0.300%Above	585
15	Heritage Mortgage, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Exceptional	$2,544Fees	0.148%Below	304
16	SouthState Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,050Fees	0.060%Above	133
17	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$4,097Fees	0.245%Above	78
18	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Strong	$1,642Fees	0.059%Below	64
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,501Fees	0.376%Above	54
20	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,620Fees	0.058%Above	49
21	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,416Fees	0.116%Above	208
22	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,529Fees	0.202%Above	194
23	FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,642Fees	0.031%Above	190
24	Synovus BankBank	Strong	Sound	Strong	Strong	Strong	$2,513Fees	0.037%Above	109
25	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$2,486Fees	0.250%Below	88
26	Pinnacle BankBank	Strong	Sound	Strong	Strong	Strong	$3,650Fees	0.054%Below	81
27	ServisFirst BankBank	Strong	Sound	Strong	Strong	Strong	$2,636Fees	0.028%Above	56
28	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$3,212Fees	0.107%Above	39
29	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$2,678Fees	0.190%Above	21
30	CANOPY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Exceptional	$5,094Fees	0.162%Above	272
31	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$3,455Fees	0.192%Below	212
32	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,596Fees	0.175%Above	152
33	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,823Fees	0.055%Above	94
34	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,664Fees	0.077%Above	90
35	AVADIANCredit Union	Strong	Sound	Sound	Strong	Strong	$2,788Fees	0.083%Above	83
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,721Fees	0.480%Above	80
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,197Fees	0.319%Above	69
38	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,336Fees	0.218%Above	66
39	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,446Fees	0.216%Above	53
40	Bank IndependentBank	Strong	Acceptable	Strong	Exceptional	Strong	$3,184Fees	0.206%Above	51
41	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,994Fees	0.433%Above	120
42	PLANET HOME LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,678Fees	0.192%Above	72
43	Assurance Financial Group, L.L.C.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,091Fees	0.269%Above	68
44	VICTORIAN FINANCE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,620Fees	0.582%Above	48
45	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,097Fees	0.108%Above	47
46	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,664Fees	0.247%Above	41
47	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,917Fees	0.243%Above	36
48	CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,932Fees	0.462%Above	29
49	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$4,012Fees	0.410%Above	28
50	United Community BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,602Fees	0.302%Above	28

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.