# Best Conventional Mortgage Lenders in Huntsville, AL

**As of:** 2026-05-20

Compare the top Conventional mortgage lenders in Huntsville, AL. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/huntsville-al/best-mortgage-lenders/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 | DSLD MORTGAGE, LLC | 95 | 97 | 75 | 180 | Independent Mortgage Company |
| 2 | REDSTONE Federal Credit Union | 85 | 66 | 65 | 400 | Credit Union |
| 3 | FirstBank | 83 | 50 | 75 | 386 | Bank |
| 4 | Trustmark National Bank | 83 | 48 | 79 | 287 | Bank |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 208 | Independent Mortgage Company |
| 6 | GMFS LLC | 83 | 48 | 82 | 161 | Independent Mortgage Company |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 125 | Credit Union |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 682 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 585 | Independent Mortgage Company |
| 10 | Heritage Mortgage, LLC | 79 | 55 | 69 | 304 | Independent Mortgage Company |
| 11 | SouthState Bank, National Association | 79 | 48 | 72 | 133 | Bank |
| 12 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 78 | Independent Mortgage Company |
| 13 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 71 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 54 | Bank |
| 15 | Cadence Bank | 79 | 48 | 71 | 49 | Bank |
| 16 | PNC Bank, National Association | 79 | 75 | 63 | 38 | Bank |
| 17 | U.S. Bank National Association | 79 | 75 | 69 | 26 | Bank |
| 18 | Truist Bank | 79 | 71 | 69 | 22 | Bank |
| 19 | STOCKTON MORTGAGE CORPORATION | 75 | 29 | 65 | 208 | Independent Mortgage Company |
| 20 | Regions Bank | 75 | 39 | 64 | 194 | Bank |
| 21 | FIRST COLONY MORTGAGE CORPORATION | 75 | 38 | 77 | 190 | Independent Mortgage Company |
| 22 | Synovus Bank | 74 | 48 | 62 | 109 | Bank |
| 23 | Pinnacle Bank | 74 | 58 | 69 | 81 | Bank |
| 24 | Colorado Federal Savings Bank | 74 | 72 | 50 | 64 | Bank |
| 25 | ServisFirst Bank | 74 | 57 | 79 | 56 | Bank |
| 26 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 88 | Independent Mortgage Company |
| 27 | First Horizon Bank | 73 | 57 | 65 | 39 | Bank |
| 28 | NBKC BANK | 73 | 90 | 49 | 24 | Bank |
| 29 | MOVEMENT MORTGAGE, LLC | 71 | 34 | 77 | 152 | Independent Mortgage Company |
| 30 | FIRST COMMUNITY MORTGAGE, INC. | 71 | 31 | 79 | 94 | Independent Mortgage Company |
| 31 | Renasant Bank | 71 | 35 | 77 | 90 | Bank |
| 32 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 80 | Independent Mortgage Company |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 69 | Independent Mortgage Company |
| 34 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 66 | Independent Mortgage Company |
| 35 | THE LOAN STORE, INC. | 71 | 39 | 71 | 53 | Independent Mortgage Company |
| 36 | Bank Independent | 71 | 38 | 83 | 51 | Bank |
| 37 | CANOPY MORTGAGE, LLC | 70 | 24 | 60 | 272 | Independent Mortgage Company |
| 38 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 212 | Independent Mortgage Company |
| 39 | AVADIAN | 69 | 45 | 66 | 83 | Credit Union |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 21 | Independent Mortgage Company |
| 41 | PLANET HOME LENDING, LLC | 67 | 35 | 69 | 72 | Independent Mortgage Company |
| 42 | Assurance Financial Group, L.L.C. | 67 | 27 | 73 | 68 | Independent Mortgage Company |
| 43 | VICTORIAN FINANCE, LLC | 67 | 36 | 68 | 48 | Independent Mortgage Company |
| 44 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 120 | Independent Mortgage Company |
| 45 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 47 | Independent Mortgage Company |
| 46 | GUILD MORTGAGE COMPANY LLC | 66 | 25 | 77 | 41 | Independent Mortgage Company |
| 47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 66 | 20 | 78 | 36 | Independent Mortgage Company |
| 48 | CONTOUR MORTGAGE CORPORATION | 66 | 29 | 66 | 29 | Independent Mortgage Company |
| 49 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 28 | Independent Mortgage Company |
| 50 | United Community Bank | 66 | 34 | 65 | 28 | 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.