Mortgage lenders in Baldwin County
8,842 mortgages were made in Baldwin County, Alabama, in 2025, by 559 lenders. The median rate their borrowers got was 6.625% on a median loan of $265,000. Of 12,107 decisions, 2,727 were denials — 22.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 676 | 4.990% | $315,000 | 27.9% |
| Rocket Mortgage, LLC | 556 | 6.750% | $205,000 | 19.5% |
| Regions Bank | 386 | 5.875% | $145,000 | 35.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 353 | 6.125% | $295,000 | 18.3% |
| Trustmark National Bank | 278 | 6.875% | $255,000 | 7.0% |
| Navy Federal Credit Union | 208 | 7.250% | $200,000 | 22.7% |
| Community Bank of Mississippi | 200 | 7.000% | $235,000 | 9.1% |
| LENNAR MORTGAGE, LLC | 194 | 4.500% | $270,000 | 10.1% |
| Cadence Bank | 173 | 6.900% | $245,000 | 8.3% |
| PNC Bank, National Association | 155 | 7.730% | $115,000 | 33.9% |
| SouthState Bank, National Association | 147 | 6.500% | $425,000 | 8.6% |
| DSLD MORTGAGE, LLC | 146 | 6.250% | $295,000 | 10.4% |
| FirstBank | 133 | 6.625% | $295,000 | 18.1% |
| Mortgage Research Center, LLC | 122 | 6.250% | $325,000 | 29.1% |
| NEWREZ LLC | 113 | 6.750% | $275,000 | 21.0% |
| Northpointe Bank | 111 | 7.625% | $465,000 | 7.5% |
| FREEDOM MORTGAGE CORPORATION | 110 | 6.250% | $275,000 | 12.3% |
| PENNYMAC LOAN SERVICES, LLC | 109 | 6.124% | $285,000 | 21.8% |
| Pen Air Credit Union | 109 | 7.990% | $85,000 | 45.9% |
| GUILD MORTGAGE COMPANY | 108 | 6.433% | $285,000 | 11.9% |
| Bryant Bank | 98 | 7.500% | $255,000 | 12.7% |
| NATIONSTAR MORTGAGE LLC | 98 | 8.250% | $120,000 | 13.2% |
| MOVEMENT MORTGAGE, LLC | 97 | 7.062% | $345,000 | 8.2% |
| Renasant Bank | 91 | 7.000% | $255,000 | 7.1% |
| Loandepot.Com, LLC | 89 | 6.875% | $215,000 | 28.3% |
| First Horizon Bank | 87 | 6.750% | $485,000 | 13.9% |
| KIND LENDING, LLC | 86 | 6.500% | $330,000 | 25.2% |
| Tyndall Federal Credit Union | 80 | 7.000% | $85,000 | 12.0% |
| BankPlus | 74 | 6.313% | $315,000 | 12.8% |
| Cornerstone First Mortgage, Inc | 74 | 6.875% | $385,000 | 1.3% |
| First Federal Bank, A FSB | 71 | 6.375% | $315,000 | 1.4% |
| Broker Solutions, Inc. | 66 | 6.750% | $270,000 | 14.1% |
| 21st Mortgage Corporation | 59 | 9.700% | $125,000 | 77.5% |
| 2549005Z23HAAZ6QDM98 | 59 | 6.875% | $305,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 57 | 6.990% | $285,000 | 10.5% |
| River Bank & Trust | 56 | 7.000% | $210,000 | 5.1% |
| FIGURE LENDING LLC | 52 | 9.250% | $55,000 | 27.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 52 | 6.500% | $290,000 | 3.7% |
| ServisFirst Bank | 52 | 7.000% | $355,000 | 1.9% |
| GMFS LLC | 51 | 6.500% | $315,000 | 1.7% |
| Magnolia Bank, Incorporated | 51 | 6.490% | $305,000 | 3.8% |
| Truist Bank | 48 | 6.600% | $125,000 | 44.4% |
| Synergy One Lending, Inc. | 47 | 6.990% | $325,000 | 4.1% |
| United Bank | 44 | Not published | $155,000 | 23.7% |
| Fairway Independent Mortgage Corporation | 42 | 6.750% | $300,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 42 | 6.495% | $215,000 | 12.2% |
| UNION HOME MORTGAGE CORP. | 42 | 6.500% | $300,000 | 8.7% |
| New Horizons Credit Union | 39 | 5.990% | $225,000 | 11.4% |
| THE LOAN STORE, INC. | 38 | 6.990% | $230,000 | 17.5% |
| ALL IN FEDERAL CREDIT UNION | 38 | 8.500% | $95,000 | 35.4% |
| HANCOCK WHITNEY BANK | 38 | 6.478% | $225,000 | 14.6% |
| RMC HOME MORTGAGE, LLC | 36 | 6.750% | $375,000 | 0.0% |
| NexBank | 35 | 6.375% | $265,000 | 2.8% |
| STOCKTON MORTGAGE CORPORATION | 33 | 6.750% | $305,000 | 13.2% |
| AMERICAN FINANCIAL NETWORK, INC. | 33 | 6.875% | $255,000 | 2.9% |
| GUARANTEED RATE, INC. | 32 | 6.650% | $300,000 | 7.7% |
| SPRING EQ, LLC | 31 | 9.050% | $65,000 | 67.0% |
| HOMEXPRESS MORTGAGE CORP. | 31 | 7.375% | $285,000 | 30.4% |
| Merchants & Marine Bank | 31 | 7.250% | $205,000 | 6.1% |
| City National Bank of Florida | 31 | 6.125% | $265,000 | 11.4% |
| Nations Lending Corporation | 31 | 6.875% | $265,000 | 5.9% |
| Wells Fargo Bank, National Association | 30 | 6.500% | $260,000 | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 30 | 7.500% | $320,000 | 34.8% |
| CMG MORTGAGE, INC. | 29 | 6.500% | $325,000 | 17.0% |
| ALABAMA CREDIT UNION | 29 | 5.750% | $285,000 | 21.6% |
| Bank of America, National Association | 28 | 5.990% | $245,000 | 50.0% |
| Equity Prime Mortgage LLC | 28 | 6.250% | $235,000 | 17.1% |
| LOWER, LLC | 27 | 6.375% | $295,000 | 12.9% |
| TRIAD FINANCIAL SERVICES, INC. | 26 | 8.725% | $130,000 | 48.3% |
| AmeriSave Mortgage Corporation | 25 | 8.125% | $75,000 | 73.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 24 | 5.813% | $210,000 | 50.8% |
| JPMorgan Chase Bank, National Association | 24 | 6.250% | $425,000 | 33.3% |
| CANOPY MORTGAGE, LLC | 24 | 6.313% | $295,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 24 | 6.188% | $295,000 | 18.2% |
| U.S. Bank National Association | 23 | 7.000% | $195,000 | 30.3% |
| Plains Commerce Bank | 23 | 6.500% | $375,000 | 11.5% |
| Coastal Community Bank | 22 | 9.240% | $55,000 | 1.6% |
| NATIONS DIRECT MORTGAGE, LLC | 22 | 6.563% | $285,000 | 12.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 22 | 6.500% | $295,000 | 7.7% |
| Prosperity Home Mortgage, LLC | 22 | 6.250% | $275,000 | 12.0% |
| Centennial Bank | 21 | 7.000% | $305,000 | 34.4% |
| PLANET HOME LENDING, LLC | 21 | 6.125% | $285,000 | 27.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 20 | 6.125% | $335,000 | 16.7% |
| APCO EMPLOYEES | 20 | 6.000% | $105,000 | 20.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.313% | $285,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 19 | 6.490% | $295,000 | 42.9% |
| Click n' Close, Inc. | 19 | 6.375% | $265,000 | 20.8% |
| 254900CTT87ZKAUTIJ37 | 19 | 9.500% | $195,000 | 20.8% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.375% | $325,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 9.500% | $135,000 | 71.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 18 | 9.768% | $150,000 | 28.0% |
| NFM, INC. | 18 | 6.625% | $260,000 | 5.3% |
| EMBRACE HOME LOANS, INC. | 18 | 6.625% | $240,000 | 5.3% |
| NBKC BANK | 18 | 6.125% | $380,000 | 10.0% |
| SmartBank | 18 | 7.250% | $340,000 | 14.3% |
| Century Bank | 18 | Not published | $545,000 | 5.3% |
| Discover Bank | 17 | 9.190% | $75,000 | 70.2% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 6.250% | $275,000 | 55.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $285,000 | 22.6% |
| United Community Bank | 17 | 7.000% | $205,000 | 37.0% |
| PHH Mortgage Corporation | 17 | 6.250% | $275,000 | 5.6% |
| FIRST CAHAWBA BANK | 17 | Not published | $325,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.438% | $155,000 | 39.3% |
| Lendage, LLC | 16 | 10.875% | $50,000 | 19.1% |
| EVERETT FINANCIAL, INC. | 16 | 6.625% | $395,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 16 | 5.855% | $535,000 | 5.6% |
| FIRST COMMUNITY MORTGAGE, INC. | 16 | 6.750% | $265,000 | 11.1% |
| Gulf Winds Credit Union | 15 | 8.250% | $95,000 | 28.6% |
| USAA Federal Savings Bank | 15 | 6.250% | $275,000 | 36.0% |
| 254900M2C4Q6DATP2889 | 15 | 5.990% | $285,000 | 21.1% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 6.875% | $145,000 | 34.8% |
| AMERICA'S FIRST | 15 | 5.750% | $155,000 | 6.3% |
| Kiavi Funding, Inc. | 15 | 10.490% | $235,000 | 5.9% |
| BETTER MORTGAGE CORPORATION | 14 | 6.625% | $210,000 | 61.1% |
| Citizens Bank, National Association | 14 | 8.525% | $105,000 | 44.0% |
| ARC HOME LLC | 14 | 7.313% | $295,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 14 | 8.870% | $260,000 | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 14 | 6.750% | $310,000 | 6.7% |
| FBC MORTGAGE, LLC | 14 | 4.990% | $370,000 | 6.7% |
| COMPASS MORTGAGE, INC. | 14 | 6.750% | $385,000 | 0.0% |
| Citadel Servicing Corporation | 13 | 7.250% | $325,000 | 0.0% |
| NAVIGATOR CU | 13 | 6.625% | $175,000 | 7.1% |
| LENDSURE MORTGAGE CORP. | 13 | 7.500% | $255,000 | 6.7% |
| First Suncoast Trust BancShares, Inc. | 13 | Not published | $125,000 | 7.1% |
| West Alabama Bank & Trust | 13 | Not published | $375,000 | 0.0% |
| Mortgage Right | 12 | 6.438% | $275,000 | 14.3% |
| PLAZA HOME MORTGAGE, INC. | 12 | 6.688% | $230,000 | 29.4% |
| TOWNE MORTGAGE COMPANY | 12 | 6.375% | $280,000 | 0.0% |
| Synovus Bank | 12 | 6.500% | $235,000 | 0.0% |
| BankFirst Financial Services | 12 | 6.675% | $255,000 | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 11 | 6.625% | $295,000 | 8.3% |
| KEESLER | 11 | 6.625% | $245,000 | 38.9% |
| First Federal Bank | 11 | 6.250% | $605,000 | 21.4% |
| GoodLeap, LLC | 11 | 6.650% | $135,000 | 13.3% |
| AVADIAN | 11 | 4.990% | $55,000 | 15.4% |
| Ameris Bank | 11 | 6.125% | $275,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.933% | $245,000 | 47.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 10 | 7.057% | $205,000 | 28.6% |
| HOMETRUST MORTGAGE COMPANY | 10 | 6.438% | $245,000 | 37.5% |
| ACOPIA, LLC | 10 | 6.438% | $270,000 | 0.0% |
| Valon Mortgage, Inc. | 10 | 7.200% | $150,000 | 13.3% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Capital City Home Loans, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CSL Financial, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 8 | Under 10 loans | Under 10 loans | 55.0% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 27.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 23.1% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 22.2% |
| University Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriFirst Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Metro Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Pinnacle Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SIRVA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MAX Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ALABAMA ONE | 4 | Under 10 loans | Under 10 loans | 42.9% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 894500CFQPXSLHK0OK52 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthPoint Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Emblem Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 359 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Baldwin County
90 FDIC-insured branches from 32 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
5 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 101 Rock Creek Pkwy, Fairhope
- Cadence Bank, 2405 S Mckenzie St, Foley
- Cadence Bank, 30585 State Highway 225, Spanish Fort
- Renasant Bank, 508 Fairhope Ave, Fairhope
- Synovus Bank, 7050 Us Highway 90, Daphne
Get told when this changes
When the next year’s lending figures are out for Baldwin County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.