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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 Bank Mortgage Lenders in Mobile
Updated February 5, 2026
Market Overview
21
Total Lenders
1,211
Total Loans
0.31%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,635 | +0.360% | 276 | |
2 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $2,799 | +0.268% | 79 | |
3 | BankPlus | Strong | Strong | Strong | Strong | $1,312 | +0.038% | 54 | |
4 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,776 | +0.405% | 121 | |
5 | Truist Bank | Strong | Strong | Strong | Sound | $2,750 | +0.170% | 26 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Sound | -$305 | +0.126% | 21 | |
7 | Cadence Bank | Strong | Sound | Strong | Strong | $1,537 | +0.265% | 66 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,200 | +0.208% | 34 | |
9 | FirstBank | Strong | Sound | Exceptional | Sound | $1,988 | +0.177% | 31 | |
10 | ServisFirst Bank | Strong | Sound | Exceptional | Sound | $1,440 | +0.145% | 24 | |
11 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Strong | $3,478 | +0.104% | 80 | |
12 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,283 | +0.410% | 61 | |
13 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Strong | $2,092 | +0.477% | 44 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,176 | +0.108% | 32 | |
15 | First Horizon Bank | Strong | Sound | Strong | Sound | $1,324 | +0.270% | 27 | |
16 | Bank of England | Strong | Acceptable | Strong | Strong | $4,079 | +1.013% | 51 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,153 | +0.226% | 45 | |
18 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,808 | -0.041% | 21 | |
19 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $2,342 | +0.635% | 29 | |
20 | 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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