Home purchase lenders in Baldwin County
5,363 home purchase mortgages were made in Baldwin County, Alabama, in 2025, by 457 lenders. The median rate their borrowers got was 6.500% on a median loan of $305,000. Of 6,759 decisions, 1,157 were denials — 17.1%, 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% |
| LENNAR MORTGAGE, LLC | 194 | 4.500% | $270,000 | 10.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | 6.500% | $295,000 | 12.8% |
| Trustmark National Bank | 178 | 6.625% | $295,000 | 1.1% |
| Rocket Mortgage, LLC | 164 | 6.625% | $280,000 | 15.9% |
| DSLD MORTGAGE, LLC | 144 | 6.250% | $295,000 | 10.5% |
| Regions Bank | 123 | 6.500% | $295,000 | 11.9% |
| FirstBank | 108 | 6.625% | $275,000 | 19.5% |
| SouthState Bank, National Association | 108 | 6.500% | $425,000 | 4.4% |
| Community Bank of Mississippi | 108 | 7.000% | $330,000 | 4.3% |
| Mortgage Research Center, LLC | 106 | 6.250% | $325,000 | 9.2% |
| Cadence Bank | 97 | 6.625% | $355,000 | 4.8% |
| GUILD MORTGAGE COMPANY | 94 | 6.250% | $280,000 | 9.7% |
| Northpointe Bank | 89 | 7.610% | $435,000 | 5.3% |
| Navy Federal Credit Union | 88 | 6.125% | $320,000 | 7.4% |
| MOVEMENT MORTGAGE, LLC | 79 | 7.062% | $355,000 | 10.1% |
| KIND LENDING, LLC | 76 | 6.500% | $325,000 | 22.5% |
| NEWREZ LLC | 69 | 6.875% | $305,000 | 9.0% |
| First Federal Bank, A FSB | 65 | 6.375% | $315,000 | 1.5% |
| Cornerstone First Mortgage, Inc | 65 | 6.875% | $385,000 | 1.5% |
| 21st Mortgage Corporation | 58 | 9.700% | $125,000 | 77.3% |
| First Horizon Bank | 54 | 6.500% | $505,000 | 3.6% |
| 2549005Z23HAAZ6QDM98 | 53 | 6.875% | $315,000 | 0.0% |
| Bryant Bank | 49 | 7.350% | $345,000 | 9.1% |
| Renasant Bank | 45 | 6.875% | $425,000 | 2.2% |
| Broker Solutions, Inc. | 43 | 6.750% | $275,000 | 6.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | 7.000% | $300,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 42 | 6.500% | $305,000 | 2.3% |
| Fairway Independent Mortgage Corporation | 41 | 6.750% | $305,000 | 12.8% |
| BankPlus | 40 | 6.438% | $385,000 | 11.1% |
| Synergy One Lending, Inc. | 40 | 6.995% | $330,000 | 4.8% |
| Magnolia Bank, Incorporated | 40 | 6.490% | $300,000 | 4.8% |
| UNION HOME MORTGAGE CORP. | 38 | 6.500% | $300,000 | 7.3% |
| PENNYMAC LOAN SERVICES, LLC | 35 | 6.000% | $315,000 | 27.1% |
| RMC HOME MORTGAGE, LLC | 35 | 6.750% | $375,000 | 0.0% |
| GMFS LLC | 33 | 6.500% | $295,000 | 0.0% |
| NexBank | 32 | 6.375% | $255,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 31 | 6.750% | $305,000 | 8.8% |
| City National Bank of Florida | 31 | 6.125% | $265,000 | 11.4% |
| ServisFirst Bank | 31 | 6.875% | $355,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 29 | 6.990% | $255,000 | 3.3% |
| United Bank | 29 | Not published | $195,000 | 12.1% |
| Loandepot.Com, LLC | 28 | 6.188% | $325,000 | 6.7% |
| TRIAD FINANCIAL SERVICES, INC. | 26 | 8.725% | $130,000 | 48.3% |
| Nations Lending Corporation | 26 | 6.875% | $260,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.490% | $265,000 | 10.7% |
| CMG MORTGAGE, INC. | 24 | 6.375% | $330,000 | 8.6% |
| THE LOAN STORE, INC. | 23 | 6.875% | $295,000 | 13.3% |
| CANOPY MORTGAGE, LLC | 23 | 6.250% | $295,000 | 0.0% |
| Wells Fargo Bank, National Association | 22 | 6.500% | $270,000 | 26.7% |
| PNC Bank, National Association | 22 | 6.625% | $285,000 | 24.1% |
| Pen Air Credit Union | 22 | 6.875% | $200,000 | 23.3% |
| LOWER, LLC | 22 | 6.188% | $300,000 | 12.0% |
| River Bank & Trust | 22 | 7.650% | $360,000 | 0.0% |
| GUARANTEED RATE, INC. | 21 | 6.550% | $305,000 | 8.3% |
| Equity Prime Mortgage LLC | 20 | 6.500% | $240,000 | 16.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 20 | 6.188% | $290,000 | 8.3% |
| HOMEXPRESS MORTGAGE CORP. | 20 | 7.438% | $275,000 | 27.6% |
| Plains Commerce Bank | 19 | 6.625% | $325,000 | 13.6% |
| Click n' Close, Inc. | 19 | 6.375% | $265,000 | 20.8% |
| 254900CTT87ZKAUTIJ37 | 19 | 9.500% | $195,000 | 20.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 9.500% | $135,000 | 71.2% |
| JPMorgan Chase Bank, National Association | 18 | 6.245% | $480,000 | 28.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | 7.625% | $320,000 | 28.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 18 | 6.250% | $280,000 | 16.0% |
| HANCOCK WHITNEY BANK | 18 | 6.750% | $245,000 | 5.3% |
| Paramount Residential Mortgage Group, Inc. | 18 | 6.438% | $320,000 | 0.0% |
| NFM, INC. | 17 | 6.625% | $265,000 | 5.6% |
| New Horizons Credit Union | 17 | 5.990% | $365,000 | 5.6% |
| Truist Bank | 17 | 6.375% | $335,000 | 5.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 17 | 6.250% | $295,000 | 10.5% |
| FIRST CAHAWBA BANK | 17 | Not published | $325,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 6.740% | $305,000 | 11.1% |
| EMBRACE HOME LOANS, INC. | 16 | 6.625% | $250,000 | 5.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 16 | 6.750% | $265,000 | 11.1% |
| NATIONSTAR MORTGAGE LLC | 16 | 6.495% | $305,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 15 | 6.625% | $435,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 14 | 6.500% | $265,000 | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 14 | 6.188% | $270,000 | 12.5% |
| ARC HOME LLC | 14 | 7.313% | $295,000 | 0.0% |
| FBC MORTGAGE, LLC | 14 | 4.990% | $370,000 | 6.7% |
| Centennial Bank | 13 | 6.625% | $345,000 | 35.0% |
| USAA Federal Savings Bank | 13 | 6.250% | $285,000 | 38.1% |
| U.S. Bank National Association | 13 | 6.490% | $295,000 | 7.1% |
| Century Bank | 13 | Not published | $495,000 | 7.1% |
| COMPASS MORTGAGE, INC. | 13 | 6.750% | $375,000 | 0.0% |
| NBKC BANK | 12 | 6.375% | $350,000 | 0.0% |
| SmartBank | 12 | 7.063% | $490,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 11 | 8.750% | $275,000 | 0.0% |
| Bank of America, National Association | 11 | 5.750% | $545,000 | 15.4% |
| Kiavi Funding, Inc. | 11 | 10.490% | $245,000 | 7.7% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 11 | 6.750% | $275,000 | 8.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 10 | 6.558% | $305,000 | 9.1% |
| PLANET HOME LENDING, LLC | 10 | 6.125% | $320,000 | 33.3% |
| Citadel Servicing Corporation | 10 | 7.125% | $380,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.813% | $225,000 | 23.1% |
| Mortgage Right | 10 | 6.500% | $270,000 | 0.0% |
| BankFirst Financial Services | 10 | 6.675% | $255,000 | 0.0% |
| West Alabama Bank & Trust | 10 | Not published | $475,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 10 | 5.863% | $535,000 | 0.0% |
| ALABAMA CREDIT UNION | 10 | 5.750% | $295,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMETRUST MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 35.7% |
| ACOPIA, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Tyndall Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Merchants & Marine Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Synovus Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 53.3% |
| SWBC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| University Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Community Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Suncoast Trust BancShares, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RESICENTRAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 52.4% |
| SIRVA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EUSTIS MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 4 | Under 10 loans | Under 10 loans | 66.7% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Pinnacle Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 894500CFQPXSLHK0OK52 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGATOR CU | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Central State Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Meridian | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Gulf Winds Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGEONE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Red River Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MAX Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriFirst Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Yazoo City | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| APCO EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Family Security Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hamilton Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 257 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.