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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 Conventional Mortgage Lenders in Mobile

Updated February 5, 2026

Market Overview

Total Lenders

3,970

Total Loans

0.32%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Strong	$969	-0.401%	56
2	GMFS LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,163	+0.202%	171
3	Trustmark National Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,635	+0.360%	276
4	HANCOCK WHITNEY BANK	Exceptional	Strong	Strong	Strong	Strong	$2,799	+0.268%	79
5	BankPlus	Exceptional	Strong	Strong	Strong	Strong	$1,312	+0.038%	54
6	Truist Bank	Exceptional	Strong	Exceptional	Strong	Sound	$2,750	+0.170%	26
7	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	-$305	+0.126%	21
8	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,493	+0.362%	413
9	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,031	+0.249%	147
10	Cadence Bank	Strong	Sound	Exceptional	Strong	Strong	$1,537	+0.265%	66
11	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,988	+0.456%	51
12	Tyndall Federal Credit Union	Strong	Sound	Strong	Exceptional	Strong	$1,434	+0.249%	44
13	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$2,723	+0.653%	43
14	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,200	+0.208%	34
15	New Horizons Credit Union	Strong	Exceptional	Acceptable	Sound	Strong	$2,347	-0.633%	34
16	Regions Bank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,776	+0.405%	121
17	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,624	+0.600%	117
18	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Sound	$2,176	+0.108%	32
19	FirstBank	Strong	Sound	Exceptional	Strong	Sound	$1,988	+0.177%	31
20	First Horizon Bank	Strong	Sound	Exceptional	Strong	Sound	$1,324	+0.270%	27
21	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$2,349	+0.463%	13
22	TOWNE MORTGAGE COMPANY	Strong	Acceptable	Exceptional	Strong	Strong	$3,315	+0.276%	96
23	SWBC MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,786	+0.386%	80
24	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$3,570	+0.592%	79
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,932	+0.480%	78
26	Renasant Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,283	+0.410%	61
27	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Strong	$2,153	+0.226%	45
28	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,913	+0.349%	44
29	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Sound	$2,118	-0.304%	27
30	NAVIGATOR CU	Strong	Strong	Acceptable	Sound	Strong	$2,249	-0.121%	26
31	ServisFirst Bank	Strong	Sound	Strong	Strong	Sound	$1,440	+0.145%	24
32	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Sound	Exceptional	$3,566	+0.569%	215
33	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$2,859	+0.857%	131
34	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$3,762	+0.931%	82
35	First Federal Bank, A FSB	Strong	Acceptable	Strong	Strong	Strong	$3,478	+0.104%	80
36	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,354	+0.413%	30
37	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,256	+0.341%	30
38	GoodLeap, LLC	Strong	Sound	Strong	Sound	Sound	$3,554	-0.002%	25
39	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,525	+0.675%	21
40	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$3,626	+0.359%	11
41	Bank of England	Strong	Acceptable	Strong	Sound	Strong	$4,079	+1.013%	51
42	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Sound	$3,615	+0.285%	24
43	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$1,808	-0.041%	21
44	DIRECT MORTGAGE LOANS, LLC	Sound	Mediocre	Strong	Strong	Strong	$4,206	+0.936%	48
45	Community Bank of Mississippi	Sound	Mediocre	Strong	Strong	Strong	$2,092	+0.477%	44
46	NFM, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$3,072	+0.507%	11
47	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Sound	$3,029	+1.204%	14
48	PHH Mortgage Corporation	Sound	Acceptable	Strong	Acceptable	Sound	$2,554	+0.151%	12
49	River Bank & Trust	Sound	Mediocre	Sound	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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.

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