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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 Conventional Mortgage Lenders in Huntsville

Updated February 5, 2026

Market Overview

102

Total Lenders

8,999

Total Loans

0.13%

Median Rate Spread

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

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