# Best USDA Mortgage Lenders in Huntsville, AL

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

Compare the top USDA 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/usda-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 | Trustmark National Bank | 95 | 88 | 73 | 287 | Bank |
| 2 | DSLD MORTGAGE, LLC | 95 | 98 | 66 | 180 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 682 | Independent Mortgage Company |
| 4 | GMFS LLC | 89 | 85 | 68 | 161 | Independent Mortgage Company |
| 5 | Synovus Bank | 89 | 84 | 66 | 109 | Bank |
| 6 | LENDLO MORTGAGE, LLC | 89 | 63 | 85 | 48 | Independent Mortgage Company |
| 7 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 94 | Independent Mortgage Company |
| 8 | REDSTONE Federal Credit Union | 79 | 67 | 64 | 400 | Credit Union |
| 9 | Renasant Bank | 79 | 49 | 67 | 90 | Bank |
| 10 | PLANET HOME LENDING, LLC | 79 | 52 | 72 | 72 | Independent Mortgage Company |
| 11 | Hamilton Mortgage Corporation | 79 | 58 | 77 | 62 | Independent Mortgage Company |
| 12 | FirstBank | 75 | 36 | 63 | 386 | Bank |
| 13 | CANOPY MORTGAGE, LLC | 75 | 20 | 70 | 272 | Independent Mortgage Company |
| 14 | STOCKTON MORTGAGE CORPORATION | 75 | 23 | 70 | 208 | Independent Mortgage Company |

## 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.