Safe Rate Rankings

Best Conventional Mortgage Lenders in Mobile

Updated May 20, 2026

⚖️ 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 Lenders69

Total Loans3,970

Median Rate Spread0.32%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$969Fees	0.401%Below	56
2	GMFS LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,163Fees	0.202%Above	171
3	Trustmark National BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,635Fees	0.360%Above	276
4	HANCOCK WHITNEY BANKBank	Exceptional	Strong	Strong	Strong	Strong	$2,799Fees	0.268%Above	79
5	BankPlusBank	Exceptional	Strong	Strong	Strong	Strong	$1,312Fees	0.038%Above	54
6	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$2,750Fees	0.170%Above	26
7	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$305Credit	0.126%Above	21
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,493Fees	0.362%Above	413
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,031Fees	0.249%Above	147
10	Cadence BankBank	Strong	Sound	Exceptional	Strong	Strong	$1,537Fees	0.265%Above	66
11	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$2,988Fees	0.456%Above	51
12	Tyndall Federal Credit UnionCredit Union	Strong	Sound	Strong	Exceptional	Strong	$1,434Fees	0.249%Above	44
13	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,723Fees	0.653%Above	43
14	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,200Fees	0.208%Above	34
15	New Horizons Credit UnionCredit Union	Strong	Exceptional	Acceptable	Sound	Strong	$2,347Fees	0.633%Below	34
16	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,776Fees	0.405%Above	121
17	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,624Fees	0.600%Above	117
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,176Fees	0.108%Above	32
19	FirstBankBank	Strong	Sound	Exceptional	Strong	Sound	$1,988Fees	0.177%Above	31
20	First Horizon BankBank	Strong	Sound	Exceptional	Strong	Sound	$1,324Fees	0.270%Above	27
21	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,349Fees	0.463%Above	13
22	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,315Fees	0.276%Above	96
23	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,786Fees	0.386%Above	80
24	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,570Fees	0.592%Above	79
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,932Fees	0.480%Above	78
26	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,283Fees	0.410%Above	61
27	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,153Fees	0.226%Above	45
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,913Fees	0.349%Above	44
29	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,118Fees	0.304%Below	27
30	NAVIGATOR CUCredit Union	Strong	Strong	Acceptable	Sound	Strong	$2,249Fees	0.121%Below	26
31	ServisFirst BankBank	Strong	Sound	Strong	Strong	Sound	$1,440Fees	0.145%Above	24
32	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,566Fees	0.569%Above	215
33	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$2,859Fees	0.857%Above	131
34	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,762Fees	0.931%Above	82
35	First Federal Bank, A FSBBank	Strong	Acceptable	Strong	Strong	Strong	$3,478Fees	0.104%Above	80
36	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,256Fees	0.341%Above	30
37	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,354Fees	0.413%Above	30
38	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,554Fees	0.002%Below	25
39	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,525Fees	0.675%Above	21
40	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,626Fees	0.359%Above	11
41	Bank of EnglandBank	Strong	Acceptable	Strong	Sound	Strong	$4,079Fees	1.013%Above	51
42	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,615Fees	0.285%Above	24
43	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,808Fees	0.041%Below	21
44	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$4,206Fees	0.936%Above	48
45	Community Bank of MississippiBank	Sound	Mediocre	Strong	Strong	Strong	$2,092Fees	0.477%Above	44
46	NFM, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,072Fees	0.507%Above	11
47	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$3,029Fees	1.204%Above	14
48	PHH Mortgage CorporationIndependent Mortgage Company	Sound	Acceptable	Strong	Acceptable	Sound	$2,554Fees	0.151%Above	12
49	River Bank & TrustBank	Sound	Mediocre	Sound	Sound	Strong	$1,468Fees	0.772%Above	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.