# Best Mortgage Lenders in Mobile, AL

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

Compare the top mortgage lenders in Mobile, AL. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/mobile-al/best-mortgage-lenders


> **📋 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:** 69
- **Total Loans:** 3,970
- **Median Rate Spread:** 0.3162878787878788%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Trustmark National Bank | 84 | 50 | 85 | 276 | Bank |
| 2 | GMFS LLC | 84 | 53 | 85 | 171 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 147 | Independent Mortgage Company |
| 4 | HANCOCK WHITNEY BANK | 80 | 65 | 64 | 79 | Bank |
| 5 | BankPlus | 80 | 73 | 71 | 54 | Bank |
| 6 | Tyndall Federal Credit Union | 80 | 65 | 77 | 44 | Credit Union |
| 7 | Regions Bank | 78 | 41 | 64 | 121 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 56 | Credit Union |
| 9 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 413 | Independent Mortgage Company |
| 10 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 117 | Independent Mortgage Company |
| 11 | Cadence Bank | 73 | 47 | 73 | 66 | Bank |
| 12 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 57 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 43 | Independent Mortgage Company |
| 14 | Truist Bank | 73 | 70 | 68 | 26 | Bank |
| 15 | PNC Bank, National Association | 73 | 71 | 61 | 21 | Bank |
| 16 | FirstBank | 71 | 50 | 80 | 31 | Bank |
| 17 | ServisFirst Bank | 71 | 54 | 82 | 24 | Bank |
| 18 | EMBRACE HOME LOANS, INC. | 68 | 31 | 74 | 215 | Independent Mortgage Company |
| 19 | Mortgage Research Center, LLC | 68 | 34 | 70 | 131 | Independent Mortgage Company |
| 20 | First Federal Bank, A FSB | 68 | 40 | 81 | 80 | Bank |
| 21 | SWBC MORTGAGE CORPORATION | 68 | 34 | 86 | 80 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 78 | Independent Mortgage Company |
| 23 | Renasant Bank | 68 | 38 | 81 | 61 | Bank |
| 24 | Community Bank of Mississippi | 68 | 24 | 82 | 44 | Bank |
| 25 | New Horizons Credit Union | 68 | 86 | 32 | 34 | Credit Union |
| 26 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 34 | Bank |
| 27 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 32 | Bank |
| 28 | First Horizon Bank | 66 | 49 | 68 | 27 | Bank |
| 29 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 27 | Independent Mortgage Company |
| 30 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 51 | Independent Mortgage Company |
| 31 | TOWNE MORTGAGE COMPANY | 63 | 40 | 79 | 96 | Independent Mortgage Company |
| 32 | STOCKTON MORTGAGE CORPORATION | 63 | 27 | 70 | 79 | Independent Mortgage Company |
| 33 | Bank of England | 63 | 33 | 64 | 51 | Bank |
| 34 | Flagstar Bank, N.A. | 63 | 40 | 76 | 45 | Bank |
| 35 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 44 | Independent Mortgage Company |
| 36 | NAVIGATOR CU | 63 | 65 | 29 | 26 | Credit Union |
| 37 | MOVEMENT MORTGAGE, LLC | 62 | 32 | 84 | 30 | Independent Mortgage Company |
| 38 | GoodLeap, LLC | 60 | 52 | 56 | 25 | Independent Mortgage Company |
| 39 | USAA Federal Savings Bank | 60 | 54 | 45 | 21 | Bank |
| 40 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 82 | Independent Mortgage Company |
| 41 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 30 | Independent Mortgage Company |
| 42 | Plains Commerce Bank | 58 | 37 | 67 | 29 | Bank |
| 43 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 21 | Independent Mortgage Company |
| 44 | DIRECT MORTGAGE LOANS, LLC | 54 | 17 | 80 | 48 | Independent Mortgage Company |
| 45 | PRINCETON MORTGAGE CORPORATION | 52 | 27 | 53 | 24 | Independent Mortgage Company |
| 46 | NEWREZ LLC | 52 | 35 | 59 | 24 | Independent Mortgage Company |
| 47 | River Bank & Trust | 46 | 10 | 45 | 60 | Bank |
| 48 | The First Bank | 46 | N/A | 59 | 29 | 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 Mobile, 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.