Mortgage lenders in Etowah County
2,050 mortgages were made in Etowah County, Alabama, in 2025, by 236 lenders. The median rate their borrowers got was 6.624% on a median loan of $155,000. Of 2,998 decisions, 758 were denials — 25.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| FAMILY SAVINGS CREDIT UNION | 154 | 7.750% | $75,000 | 12.3% |
| Emblem Credit Union | 124 | 7.250% | $95,000 | 23.8% |
| Rocket Mortgage, LLC | 120 | 6.625% | $145,000 | 25.5% |
| Regions Bank | 114 | 5.938% | $95,000 | 46.1% |
| Renasant Bank | 80 | 6.250% | $205,000 | 9.1% |
| First Federal Bank, A FSB | 74 | 6.000% | $185,000 | 5.1% |
| KIND LENDING, LLC | 69 | 6.625% | $205,000 | 15.9% |
| TOWNE MORTGAGE COMPANY | 68 | 6.433% | $165,000 | 5.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | 6.250% | $215,000 | 13.9% |
| GUILD MORTGAGE COMPANY | 58 | 6.500% | $155,000 | 9.9% |
| STOCKTON MORTGAGE CORPORATION | 48 | 6.688% | $185,000 | 4.0% |
| MOVEMENT MORTGAGE, LLC | 46 | 6.375% | $210,000 | 0.0% |
| Mortgage Research Center, LLC | 39 | 6.250% | $235,000 | 35.0% |
| River Bank & Trust | 39 | 6.950% | $105,000 | 7.1% |
| The Exchange Bank of Alabama | 38 | Not published | $140,000 | 18.8% |
| Metro Bank | 38 | Not published | $115,000 | 4.4% |
| MORTGAGE INVESTORS GROUP, INC. | 37 | 6.500% | $235,000 | 0.0% |
| Broker Solutions, Inc. | 32 | 6.563% | $165,000 | 22.0% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.500% | $145,000 | 20.5% |
| FREEDOM MORTGAGE CORPORATION | 31 | 6.250% | $205,000 | 9.8% |
| Liberty Bank | 31 | Not published | $155,000 | 0.0% |
| 21st Mortgage Corporation | 22 | 10.140% | $115,000 | 70.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 9.990% | $125,000 | 72.8% |
| 98450062C847FDDA7405 | 21 | Not published | $105,000 | 36.4% |
| NATIONSTAR MORTGAGE LLC | 21 | 8.875% | $85,000 | 19.2% |
| CANOPY MORTGAGE, LLC | 21 | 6.250% | $155,000 | 0.0% |
| HUNT MORTGAGE CORPORATION | 21 | 6.250% | $205,000 | 0.0% |
| Loandepot.Com, LLC | 18 | 7.058% | $100,000 | 45.7% |
| Cadence Bank | 18 | 7.370% | $85,000 | 39.4% |
| Fairway Independent Mortgage Corporation | 16 | 6.688% | $200,000 | 5.9% |
| GMFS LLC | 16 | 5.990% | $225,000 | 0.0% |
| Coastal Community Bank | 15 | 11.490% | $55,000 | 2.8% |
| PNC Bank, National Association | 15 | 7.800% | $55,000 | 42.9% |
| Mortgage Right | 15 | 6.250% | $225,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $125,000 | 31.6% |
| NEWREZ LLC | 12 | 7.938% | $160,000 | 50.0% |
| Navy Federal Credit Union | 12 | 6.750% | $125,000 | 38.1% |
| 2549005Z23HAAZ6QDM98 | 12 | 6.313% | $275,000 | 0.0% |
| Ameris Bank | 12 | 6.250% | $365,000 | 0.0% |
| FIGURE LENDING LLC | 11 | 9.350% | $35,000 | 29.6% |
| The Hometown Bank of Alabama | 11 | Not published | $195,000 | 18.8% |
| UNION HOME MORTGAGE CORP. | 11 | 6.250% | $205,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.750% | $205,000 | 7.7% |
| Ixonia Bank | 10 | 6.250% | $120,000 | 16.7% |
| FirstBank | 9 | Under 10 loans | Under 10 loans | 35.3% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 64.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 78.1% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 56.0% |
| Peoples Independent Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ACOPIA, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 20.0% |
| REDSTONE Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 41.7% |
| HONDA Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| EvaBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CSL Financial, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 58.3% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICA'S FIRST | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of Alabama | 4 | Under 10 loans | Under 10 loans | 42.9% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SouthPoint Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Consumer First Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synovus Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARBOR REALTY TRUST, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First South Farm Credit, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 77.8% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| APCO EMPLOYEES | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AOD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hamilton Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 93.8% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Family Security Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AVADIAN | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALABAMA ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Listerhill Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AlaTrust Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RockPointBank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Frankewing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Fisher National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MAX Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Priority Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSTAMORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EMBRACE HOME LOANS, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Connexus Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 36 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Etowah County
21 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Exchange Bank of Alabama | 5 | $336.4 million |
| Regions Bank | 4 | $352.1 million |
| PNC Bank, National Association | 2 | $64.5 million |
| Peoples Bank of Alabama | 2 | $50.1 million |
| River Bank & Trust | 1 | $316.3 million |
| Wells Fargo Bank, National Association | 1 | $157.6 million |
| Metro Bank | 1 | $81.6 million |
| The Southern Bank Company | 1 | $56.4 million |
| The Huntington National Bank | 1 | $36.5 million |
| Liberty Bank | 1 | $30.8 million |
| Peoples Independent Bank | 1 | $29.5 million |
| Woodforest National Bank | 1 | $2.2 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 3201 Rainbow Dr, Rainbow City
- Wells Fargo Bank, National Association, 3400 Rainbow Dr, Rainbow City
Get told when this changes
When the next year’s lending figures are out for Etowah 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.