Mortgage lenders in Elmore County
2,503 mortgages were made in Elmore County, Alabama, in 2025, by 252 lenders. The median rate their borrowers got was 6.500% on a median loan of $205,000. Of 3,407 decisions, 735 were denials — 21.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 171 | 6.500% | $255,000 | 2.7% |
| MAX Credit Union | 167 | 4.500% | $55,000 | 20.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 147 | 6.125% | $285,000 | 11.6% |
| Rocket Mortgage, LLC | 135 | 6.625% | $165,000 | 18.3% |
| Trustmark National Bank | 128 | 6.500% | $235,000 | 9.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 106 | 6.575% | $260,000 | 1.8% |
| Fairway Independent Mortgage Corporation | 90 | 6.625% | $265,000 | 3.2% |
| Regions Bank | 84 | 5.813% | $70,000 | 39.3% |
| River Bank & Trust | 84 | 5.990% | $140,000 | 2.3% |
| 21st Mortgage Corporation | 67 | 9.490% | $115,000 | 57.1% |
| Mortgage Research Center, LLC | 67 | 6.375% | $295,000 | 26.1% |
| Guardian Credit Union | 66 | 7.125% | $85,000 | 33.7% |
| MOVEMENT MORTGAGE, LLC | 66 | 6.625% | $265,000 | 2.5% |
| Renasant Bank | 66 | 6.375% | $260,000 | 4.3% |
| First Community Bank of Central Alabama | 57 | Not published | $175,000 | 14.7% |
| Navy Federal Credit Union | 43 | 7.750% | $115,000 | 24.6% |
| DHI MORTGAGE COMPANY, LTD. | 42 | 4.990% | $335,000 | 20.8% |
| ALABAMA STATE EMPLOYEES CREDIT UNION | 39 | 6.500% | $65,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 38 | 6.313% | $255,000 | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | 36 | 6.625% | $300,000 | 17.8% |
| NEWREZ LLC | 32 | 6.433% | $245,000 | 15.8% |
| Loandepot.Com, LLC | 29 | 6.875% | $165,000 | 20.5% |
| NATIONSTAR MORTGAGE LLC | 29 | 7.490% | $115,000 | 6.5% |
| FirstBank | 21 | 7.540% | $115,000 | 36.0% |
| CB&S Bank, Inc. | 21 | 7.000% | $75,000 | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.125% | $295,000 | 23.3% |
| PNC Bank, National Association | 19 | 7.800% | $105,000 | 38.2% |
| LENNAR MORTGAGE, LLC | 19 | 5.125% | $235,000 | 16.7% |
| Truist Bank | 18 | 6.933% | $105,000 | 26.9% |
| CMG MORTGAGE, INC. | 18 | 6.063% | $240,000 | 0.0% |
| PHH Mortgage Corporation | 18 | 6.625% | $260,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 16 | 9.500% | $105,000 | 75.3% |
| Kiavi Funding, Inc. | 16 | 10.490% | $145,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 14 | 6.500% | $270,000 | 17.7% |
| SouthPoint Bank | 14 | 5.750% | $205,000 | 12.5% |
| FIGURE LENDING LLC | 12 | 8.500% | $65,000 | 4.8% |
| Cadence Bank | 12 | 6.833% | $565,000 | 7.7% |
| AmeriSave Mortgage Corporation | 11 | 8.375% | $95,000 | 73.2% |
| Synovus Bank | 11 | 6.625% | $295,000 | 15.4% |
| Coastal Community Bank | 10 | 9.865% | $40,000 | 0.0% |
| USAA Federal Savings Bank | 10 | 6.125% | $285,000 | 44.4% |
| ServisFirst Bank | 10 | 6.762% | $335,000 | 16.7% |
| Valley National Bank | 10 | 6.620% | $55,000 | 0.0% |
| GMFS LLC | 10 | 6.375% | $235,000 | 8.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 59.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900M2C4Q6DATP2889 | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Marion Bank & Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 46.7% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 47.1% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 8.3% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 77.3% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| ALABAMA ONE | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AmeriFirst Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CSL Financial, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AVADIAN | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDLO MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| APCO EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hamilton Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 80.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| SIRVA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Central State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Consumer First Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Community Bank of Mississippi | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tyndall Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SENTE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CAHAWBA BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493005QMX3SJKDTQZ62 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST WESTERN MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brantley Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN UNIVERSITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First South Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | 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 52 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Elmore County
21 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Community Bank of Central Alabama | 7 | $558.1 million |
| River Bank & Trust | 2 | $225.9 million |
| Regions Bank | 2 | $135.6 million |
| Valley National Bank | 2 | $103.2 million |
| Trustmark Bank | 2 | $91.3 million |
| CB&S Bank, Inc. | 2 | $89.6 million |
| Truist Bank | 1 | $33.6 million |
| PNC Bank, National Association | 1 | $26.5 million |
| Marion Community Bank | 1 | $4.4 million |
| Woodforest National Bank | 1 | $1.3 million |
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When the next year’s lending figures are out for Elmore 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.