Safe Rate Rankings

Best Mortgage Lenders in Huntsville

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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%

Huntsville Market Insights

Dsld Mortgage is Safe Rate's top-ranked lender in Huntsville, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Huntsville: Bank: Firstbank Tn (#5). Credit union: Redstone Federal Credit Union (#3). Mortgage company: Dsld Mortgage (#1).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Huntsville, Dsld Mortgage and Navy Federal Credit Union scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #4 in Huntsville, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Huntsville: Rocket Mortgage (#9) and Redstone Federal Credit Union (#3).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLC Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Exceptional	$133Fees	0.529%Below	180
2	Heritage Mortgage, LLC Independent Mortgage CompanyDirect	Strong	Strong	Strong	Exceptional	$2,544Fees	0.148%Below	304
3	REDSTONE Federal Credit Union Credit UnionDirect	Strong	Strong	Strong	Exceptional	$1,257Fees	0.181%Above	400
4	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,703Fees	0.033%Below	682
5	FirstBank BankDirect	Strong	Sound	Exceptional	Exceptional	$2,145Fees	0.016%Above	386
6	Trustmark National Bank BankDirect	Strong	Sound	Exceptional	Exceptional	$1,504Fees	0.091%Above	287
7	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Strong	$1,176Fees	0.471%Below	125
8	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$2,716Fees	0.003%Below	161
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$4,258Fees	0.300%Above	585
10	VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	$3,179Fees	0.291%Below	208
11	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	$3,642Fees	0.031%Above	190
12	Pinnacle Bank BankDirect	Strong	Strong	Strong	Strong	$3,650Fees	0.054%Below	81
13	ServisFirst Bank BankDirect	Strong	Sound	Exceptional	Strong	$2,636Fees	0.028%Above	56
14	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$3,455Fees	0.192%Below	212
15	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	$771Fees	0.771%Below	43
16	NBKC BANK BankDirect	Strong	Exceptional	Sound	Sound	$328Fees	0.212%Below	24
17	SouthState Bank, National Association BankDirect	Strong	Sound	Strong	Strong	$2,050Fees	0.060%Above	133
18	LENDLO MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	$2,253Fees	0.066%Above	48
19	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Sound	$542Fees	0.027%Below	26
20	Synovus Bank BankDirect	Strong	Sound	Strong	Strong	$2,513Fees	0.037%Above	109
21	AVADIAN Credit UnionDirect	Strong	Sound	Strong	Strong	$2,788Fees	0.083%Above	83
22	Colorado Federal Savings Bank BankWholesale	Strong	Strong*	Sound	Strong	$1,642Fees	0.059%Below	64
23	Bank Independent BankDirect	Strong	Sound	Exceptional	Strong	$3,184Fees	0.206%Above	51
24	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$2,596Fees	0.175%Above	152
25	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,823Fees	0.055%Above	94
26	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,664Fees	0.077%Above	90
27	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$4,097Fees	0.245%Above	78
28	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$2,678Fees	0.192%Above	72
29	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Sound	$598Fees	0.146%Above	38
30	Regions Bank BankDirect	Strong	Sound	Strong	Exceptional	$2,529Fees	0.202%Above	194
31	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,486Fees	0.250%Below	88
32	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Sound	Strong	$2,349Fees	0.024%Below	71
33	Truist Bank BankDirect	Strong	Strong	Strong	Sound	$625Fees	0.079%Above	22
34	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Strong	$427Fees	1.032%Above	207
35	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,416Fees	0.116%Above	208
36	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,501Fees	0.376%Above	54
37	Cadence Bank BankDirect	Strong	Sound	Strong	Strong	$1,620Fees	0.058%Above	49
38	CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Exceptional	$5,094Fees	0.162%Above	272
39	Assurance Financial Group, L.L.C. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$4,091Fees	0.269%Above	68
40	THE LOAN STORE, INC. Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Strong	$3,446Fees	0.216%Above	53
41	First Federal Bank, A FSB BankDirect	Sound	Acceptable	Exceptional	Sound	$4,073Fees	0.008%Above	30
42	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,197Fees	0.319%Above	69
43	Hamilton Mortgage Corporation Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$2,250Fees	0.179%Above	62
44	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$2,097Fees	0.108%Above	47
45	First Horizon Bank BankDirect	Sound	Sound	Strong	Sound	$3,212Fees	0.107%Above	39
46	MORTGAGE INVESTORS GROUP, INC. Independent Mortgage CompanyDirect	Sound	Sound	Exceptional	Sound	$2,855Fees	0.121%Above	23
47	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$4,336Fees	0.218%Above	66
48	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$3,917Fees	0.243%Above	36
49	INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Sound	$857Fees	0.630%Above	23
50	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$3,226Fees	0.266%Above	22

❓ Frequently Asked Questions

How are mortgage lenders ranked in Huntsville, AL?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Huntsville, AL), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Huntsville, AL?+

Based on 2024 HMDA data, 102 lenders originated a combined 8,999 loans in Huntsville, AL. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Huntsville, AL?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Huntsville, AL is 0.13%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Huntsville, AL's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.