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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 Mortgage Lenders in Mobile
Updated February 5, 2026
Market Overview
69
Total Lenders
3,970
Total Loans
0.32%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $969 | -0.401% | 56 | |
2 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,635 | +0.360% | 276 | |
3 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $2,163 | +0.202% | 171 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,031 | +0.249% | 147 | |
5 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $2,799 | +0.268% | 79 | |
6 | BankPlus | Strong | Strong | Strong | Strong | $1,312 | +0.038% | 54 | |
7 | Tyndall Federal Credit Union | Strong | Strong | Strong | Strong | $1,434 | +0.249% | 44 | |
8 | New Horizons Credit Union | Strong | Exceptional | Acceptable | Strong | $2,347 | -0.633% | 34 | |
9 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,776 | +0.405% | 121 | |
10 | Truist Bank | Strong | Strong | Strong | Sound | $2,750 | +0.170% | 26 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$305 | +0.126% | 21 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,493 | +0.362% | 413 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,624 | +0.600% | 117 | |
14 | Cadence Bank | Strong | Sound | Strong | Strong | $1,537 | +0.265% | 66 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $4,636 | +0.242% | 57 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,723 | +0.653% | 43 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,200 | +0.208% | 34 | |
18 | FirstBank | Strong | Sound | Exceptional | Sound | $1,988 | +0.177% | 31 | |
19 | NAVIGATOR CU | Strong | Strong | Acceptable | Strong | $2,249 | -0.121% | 26 | |
20 | ServisFirst Bank | Strong | Sound | Exceptional | Sound | $1,440 | +0.145% | 24 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,566 | +0.569% | 215 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,859 | +0.857% | 131 | |
23 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,786 | +0.386% | 80 | |
24 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Strong | $3,478 | +0.104% | 80 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,932 | +0.480% | 78 | |
26 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,283 | +0.410% | 61 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,988 | +0.456% | 51 | |
28 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Strong | $2,092 | +0.477% | 44 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,176 | +0.108% | 32 | |
30 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,324 | +0.270% | 27 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,118 | -0.304% | 27 | |
32 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $3,315 | +0.276% | 96 | |
33 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,570 | +0.592% | 79 | |
34 | Bank of England | Strong | Acceptable | Strong | Strong | $4,079 | +1.013% | 51 | |
35 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,153 | +0.226% | 45 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,913 | +0.349% | 44 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,256 | +0.341% | 30 | |
38 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,554 | -0.002% | 25 | |
39 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,808 | -0.041% | 21 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,762 | +0.931% | 82 | |
41 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Strong | $4,206 | +0.936% | 48 | |
42 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,354 | +0.413% | 30 | |
43 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,342 | +0.635% | 29 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,525 | +0.675% | 21 | |
45 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,615 | +0.285% | 24 | |
46 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $2,793 | +0.323% | 24 | |
47 | River Bank & Trust | Sound | Mediocre | Sound | Strong | $1,468 | +0.772% | 60 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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