🛡️
Safe Rate's TrueRank Guarantee
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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $133 | -0.529% | 180 | |
2 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,253 | +0.066% | 48 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,703 | -0.033% | 682 | |
4 | Heritage Mortgage, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,544 | -0.148% | 304 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,179 | -0.291% | 208 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,642 | +0.031% | 190 | |
7 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $771 | -0.771% | 43 | |
8 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,145 | +0.016% | 386 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,176 | -0.471% | 125 | |
10 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $328 | -0.212% | 24 | |
11 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,504 | +0.091% | 287 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,455 | -0.192% | 212 | |
13 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,716 | -0.003% | 161 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,486 | -0.250% | 88 | |
15 | REDSTONE Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,257 | +0.181% | 400 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,596 | +0.175% | 152 | |
17 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,050 | +0.060% | 133 | |
18 | Synovus Bank | Exceptional | Strong | Strong | Strong | Strong | $2,513 | +0.037% | 109 | |
19 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,664 | +0.077% | 90 | |
20 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,926 | -0.214% | 81 | |
21 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $542 | -0.027% | 26 | |
22 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,644 | -0.058% | 23 | |
23 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,192 | +0.080% | 21 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,258 | +0.300% | 585 | |
25 | AVADIAN | Strong | Sound | Strong | Exceptional | Strong | $2,788 | +0.083% | 83 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,097 | +0.245% | 78 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,678 | +0.192% | 72 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,446 | +0.216% | 53 | |
29 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,097 | +0.108% | 47 | |
30 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,416 | +0.116% | 208 | |
31 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $2,529 | +0.202% | 194 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,823 | +0.055% | 94 | |
33 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,349 | -0.024% | 71 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,197 | +0.319% | 69 | |
35 | Cadence Bank | Strong | Sound | Strong | Strong | Strong | $1,620 | +0.058% | 49 | |
36 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $3,395 | +0.142% | 38 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $427 | +1.032% | 207 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,721 | +0.480% | 80 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,336 | +0.218% | 66 | |
40 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,094 | +0.162% | 272 | |
41 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,582 | +0.252% | 76 | |
42 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $4,091 | +0.269% | 68 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,664 | +0.247% | 41 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,917 | +0.243% | 36 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,012 | +0.410% | 28 | |
46 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $3,877 | -0.111% | 25 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,355 | +0.220% | 25 | |
48 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Sound | $5,077 | +0.156% | 24 | |
49 | VICTORIAN FINANCE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,620 | +0.582% | 48 | |
50 | CB&S Bank, Inc. | Sound | Acceptable | Sound | Sound | Strong | $2,297 | +0.184% | 37 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Huntsville, ALVA
No credit impact
3-minute process
100% free