Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$969Fees	0.401%Below	56
2	Trustmark National BankBank	Strong	Sound	Exceptional	Exceptional	$1,635Fees	0.360%Above	276
3	GMFS LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,163Fees	0.202%Above	171
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,031Fees	0.249%Above	147
5	HANCOCK WHITNEY BANKBank	Strong	Strong	Strong	Strong	$2,799Fees	0.268%Above	79
6	BankPlusBank	Strong	Strong	Strong	Strong	$1,312Fees	0.038%Above	54
7	Tyndall Federal Credit UnionCredit Union	Strong	Strong	Strong	Strong	$1,434Fees	0.249%Above	44
8	New Horizons Credit UnionCredit Union	Strong	Exceptional	Acceptable	Strong	$2,347Fees	0.633%Below	34
9	Regions BankBank	Strong	Sound	Strong	Exceptional	$1,776Fees	0.405%Above	121
10	Truist BankBank	Strong	Strong	Strong	Sound	$2,750Fees	0.170%Above	26
11	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	$305Credit	0.126%Above	21
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,493Fees	0.362%Above	413
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,624Fees	0.600%Above	117
14	Cadence BankBank	Strong	Sound	Strong	Strong	$1,537Fees	0.265%Above	66
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,636Fees	0.242%Above	57
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,723Fees	0.653%Above	43
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Sound	$2,200Fees	0.208%Above	34
18	FirstBankBank	Strong	Sound	Exceptional	Sound	$1,988Fees	0.177%Above	31
19	NAVIGATOR CUCredit Union	Strong	Strong	Acceptable	Strong	$2,249Fees	0.121%Below	26
20	ServisFirst BankBank	Strong	Sound	Exceptional	Sound	$1,440Fees	0.145%Above	24
21	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,566Fees	0.569%Above	215
22	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,859Fees	0.857%Above	131
23	First Federal Bank, A FSBBank	Strong	Acceptable	Exceptional	Strong	$3,478Fees	0.104%Above	80
24	SWBC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,786Fees	0.386%Above	80
25	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,932Fees	0.480%Above	78
26	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	$2,283Fees	0.410%Above	61
27	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Strong	$2,988Fees	0.456%Above	51
28	Community Bank of MississippiBank	Strong	Acceptable	Exceptional	Strong	$2,092Fees	0.477%Above	44
29	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,176Fees	0.108%Above	32
30	First Horizon BankBank	Strong	Sound	Strong	Sound	$1,324Fees	0.270%Above	27
31	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,118Fees	0.304%Below	27
32	TOWNE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,315Fees	0.276%Above	96
33	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,570Fees	0.592%Above	79
34	Bank of EnglandBank	Strong	Acceptable	Strong	Strong	$4,079Fees	1.013%Above	51
35	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Strong	$2,153Fees	0.226%Above	45
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,913Fees	0.349%Above	44
37	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,256Fees	0.341%Above	30
38	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$3,554Fees	0.002%Below	25
39	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$1,808Fees	0.041%Below	21
40	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$3,762Fees	0.931%Above	82
41	DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,206Fees	0.936%Above	48
42	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,354Fees	0.413%Above	30
43	Plains Commerce BankBank	Sound	Acceptable	Strong	Sound	$2,342Fees	0.635%Above	29
44	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,525Fees	0.675%Above	21
45	PRINCETON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,793Fees	0.323%Above	24
46	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,615Fees	0.285%Above	24
47	River Bank & TrustBank	Sound	Mediocre	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.