# Best Conventional Mortgage Lenders in Mobile, AL

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

Compare the top Conventional mortgage lenders in Mobile, AL. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | GMFS LLC | 88 | 48 | 82 | 171 | Independent Mortgage Company |
| 2 | Trustmark National Bank | 83 | 48 | 79 | 276 | Bank |
| 3 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 56 | Credit Union |
| 4 | HANCOCK WHITNEY BANK | 80 | 62 | 61 | 79 | Bank |
| 5 | BankPlus | 80 | 67 | 70 | 54 | Bank |
| 6 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 413 | Independent Mortgage Company |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 147 | Independent Mortgage Company |
| 8 | Cadence Bank | 79 | 48 | 71 | 66 | Bank |
| 9 | Tyndall Federal Credit Union | 79 | 47 | 85 | 44 | Credit Union |
| 10 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 43 | Independent Mortgage Company |
| 11 | Truist Bank | 79 | 71 | 69 | 26 | Bank |
| 12 | PNC Bank, National Association | 79 | 75 | 63 | 21 | Bank |
| 13 | Regions Bank | 75 | 39 | 64 | 121 | Bank |
| 14 | UNION HOME MORTGAGE CORP. | 75 | 23 | 77 | 117 | Independent Mortgage Company |
| 15 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 51 | Independent Mortgage Company |
| 16 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 34 | Bank |
| 17 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 32 | Bank |
| 18 | FirstBank | 73 | 50 | 75 | 31 | Bank |
| 19 | First Horizon Bank | 73 | 57 | 65 | 27 | Bank |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 13 | Independent Mortgage Company |
| 21 | TOWNE MORTGAGE COMPANY | 71 | 39 | 79 | 96 | Independent Mortgage Company |
| 22 | SWBC MORTGAGE CORPORATION | 71 | 33 | 78 | 80 | Independent Mortgage Company |
| 23 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 79 | Independent Mortgage Company |
| 24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 78 | Independent Mortgage Company |
| 25 | Renasant Bank | 71 | 35 | 77 | 61 | Bank |
| 26 | Flagstar Bank, N.A. | 71 | 34 | 72 | 45 | Bank |
| 27 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 44 | Independent Mortgage Company |
| 28 | ServisFirst Bank | 69 | 57 | 79 | 24 | Bank |
| 29 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 27 | Independent Mortgage Company |
| 30 | First Federal Bank, A FSB | 67 | 28 | 75 | 80 | Bank |
| 31 | EMBRACE HOME LOANS, INC. | 66 | 32 | 60 | 215 | Independent Mortgage Company |
| 32 | Mortgage Research Center, LLC | 66 | 34 | 43 | 131 | Independent Mortgage Company |
| 33 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 82 | Independent Mortgage Company |
| 34 | New Horizons Credit Union | 66 | 85 | 49 | 34 | Credit Union |
| 35 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 30 | Independent Mortgage Company |
| 36 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 30 | Independent Mortgage Company |
| 37 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 21 | Independent Mortgage Company |
| 38 | FIRST COMMUNITY MORTGAGE, INC. | 66 | 31 | 79 | 11 | Independent Mortgage Company |
| 39 | GoodLeap, LLC | 64 | 49 | 51 | 25 | Independent Mortgage Company |
| 40 | Bank of England | 63 | 28 | 51 | 51 | Bank |
| 41 | NAVIGATOR CU | 63 | 64 | 44 | 26 | Credit Union |
| 42 | NEWREZ LLC | 62 | 31 | 58 | 24 | Independent Mortgage Company |
| 43 | USAA Federal Savings Bank | 58 | 53 | 27 | 21 | Bank |
| 44 | DIRECT MORTGAGE LOANS, LLC | 57 | 19 | 67 | 48 | Independent Mortgage Company |
| 45 | Community Bank of Mississippi | 57 | 16 | 77 | 44 | Bank |
| 46 | NFM, INC. | 56 | 19 | 77 | 11 | Independent Mortgage Company |
| 47 | The First Bank | 53 | N/A | 61 | 29 | Bank |
| 48 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 14 | Independent Mortgage Company |
| 49 | PHH Mortgage Corporation | 53 | 29 | 25 | 12 | Independent Mortgage Company |
| 50 | River Bank & Trust | 49 | 10 | 52 | 60 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.