# Best VA Mortgage Lenders in Mobile, AL

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

Compare the top VA 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/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 147 | Independent Mortgage Company |
| 2 | GMFS LLC | 89 | 60 | 72 | 171 | Independent Mortgage Company |
| 3 | Trustmark National Bank | 88 | 54 | 81 | 276 | Bank |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 57 | Independent Mortgage Company |
| 5 | TOWNE MORTGAGE COMPANY | 83 | 44 | 87 | 96 | Independent Mortgage Company |
| 6 | SWBC MORTGAGE CORPORATION | 83 | 45 | 85 | 80 | Independent Mortgage Company |
| 7 | Renasant Bank | 83 | 59 | 83 | 61 | Bank |
| 8 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 56 | Credit Union |
| 9 | HANCOCK WHITNEY BANK | 80 | 61 | 62 | 79 | Bank |
| 10 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 413 | Independent Mortgage Company |
| 11 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 51 | Independent Mortgage Company |
| 12 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 43 | Independent Mortgage Company |
| 13 | FirstBank | 79 | 66 | 82 | 31 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 79 | 61 | 62 | 27 | Independent Mortgage Company |
| 15 | MOVEMENT MORTGAGE, LLC | 77 | 45 | 81 | 30 | Independent Mortgage Company |
| 16 | Mortgage Research Center, LLC | 75 | 34 | 61 | 131 | Independent Mortgage Company |
| 17 | UNION HOME MORTGAGE CORP. | 75 | 25 | 79 | 117 | Independent Mortgage Company |
| 18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 78 | Independent Mortgage Company |
| 19 | Plains Commerce Bank | 73 | 46 | 66 | 29 | Bank |
| 20 | USAA Federal Savings Bank | 73 | 62 | 58 | 21 | Bank |
| 21 | EMBRACE HOME LOANS, INC. | 71 | 38 | 77 | 215 | Independent Mortgage Company |
| 22 | STOCKTON MORTGAGE CORPORATION | 71 | 22 | 65 | 79 | Independent Mortgage Company |
| 23 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 32 | 71 | 21 | Independent Mortgage Company |
| 24 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 66 | 26 | 69 | 18 | Independent Mortgage Company |
| 25 | Paramount Residential Mortgage Group, Inc. | 66 | 40 | 71 | 10 | Independent Mortgage Company |
| 26 | GoodLeap, LLC | 64 | 50 | 55 | 25 | Independent Mortgage Company |
| 27 | PRINCETON MORTGAGE CORPORATION | 58 | 37 | 58 | 24 | Independent Mortgage Company |
| 28 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 82 | Independent Mortgage Company |
| 29 | NEW DAY FINANCIAL, LLC | 52 | 2 | 49 | 17 | Independent Mortgage Company |

## 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.