Mortgage Lender Index

Home purchase lenders in Jefferson County

7,438 home purchase mortgages were made in Jefferson County, Alabama, in 2025, by 414 lenders. The median rate their borrowers got was 6.500% on a median loan of $245,000. Of 8,908 decisions, 1,156 were denials — 13.0%, most often for credit history.

LenderMortgages madeMedian rateMedian loanDenied
Fairway Independent Mortgage Corporation 441 6.500% $285,000 3.5%
UNITED SHORE FINANCIAL SERVICES, LLC 437 6.399% $225,000 10.3%
SouthState Bank, National Association 366 6.125% $145,000 19.6%
Cadence Bank 317 6.250% $295,000 7.1%
FirstBank 280 6.125% $195,000 12.2%
Regions Bank 264 6.500% $275,000 15.3%
Renasant Bank 242 6.500% $285,000 6.9%
Trustmark National Bank 217 6.250% $305,000 3.1%
GUILD MORTGAGE COMPANY 197 6.500% $215,000 2.7%
UNION HOME MORTGAGE CORP. 186 6.625% $275,000 4.5%
Rocket Mortgage, LLC 162 6.625% $225,000 14.7%
Prosperity Home Mortgage, LLC 161 6.500% $265,000 8.0%
MOVEMENT MORTGAGE, LLC 156 6.625% $210,000 7.0%
DHI MORTGAGE COMPANY, LTD. 146 4.990% $305,000 23.8%
Mortgage Research Center, LLC 142 6.625% $225,000 14.6%
SouthPoint Bank 118 6.250% $265,000 3.2%
Synovus Bank 108 6.500% $215,000 11.4%
CANOPY MORTGAGE, LLC 97 6.000% $245,000 0.0%
Assurance Financial Group, L.L.C. 94 6.625% $225,000 5.1%
THE LOAN STORE, INC. 84 6.500% $295,000 3.2%
Broker Solutions, Inc. 79 6.750% $175,000 4.8%
GUARANTEED RATE, INC. 75 6.625% $165,000 14.6%
CROSSCOUNTRY MORTGAGE, INC. 73 6.625% $245,000 0.0%
Kiavi Funding, Inc. 70 10.620% $140,000 12.2%
JPMorgan Chase Bank, National Association 69 6.375% $235,000 13.6%
First Federal Bank, A FSB 69 6.375% $295,000 5.3%
Mortgage Right 69 6.500% $265,000 2.8%
BPL MORTGAGE TRUST, LLC 68 7.625% $75,000 13.8%
STOCKTON MORTGAGE CORPORATION 66 6.750% $215,000 11.7%
ServisFirst Bank 58 6.500% $235,000 11.9%
First Horizon Bank 58 6.500% $255,000 10.8%
PENNYMAC LOAN SERVICES, LLC 55 6.500% $305,000 11.3%
LEADERONE FINANCIAL CORPORATION 53 6.500% $195,000 26.4%
Navy Federal Credit Union 52 6.375% $250,000 18.8%
AVADIAN 52 6.188% $275,000 8.1%
Loandepot.Com, LLC 51 5.500% $285,000 31.6%
FBC MORTGAGE, LLC 51 6.250% $295,000 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. 49 6.990% $195,000 64.2%
Wells Fargo Bank, National Association 49 6.375% $275,000 21.0%
AMERICA'S FIRST 49 6.250% $165,000 10.5%
HUNT MORTGAGE CORPORATION 45 6.500% $285,000 2.1%
5493005QMX3SJKDTQZ62 45 6.750% $305,000 6.1%
NEWREZ LLC 35 6.375% $325,000 10.0%
Ameris Bank 35 6.500% $225,000 5.3%
Plains Commerce Bank 33 6.625% $385,000 2.9%
MORIA DEVELOPMENT, INC. 33 7.875% $75,000 5.7%
21st Mortgage Corporation 32 9.915% $105,000 67.6%
United Community Bank 32 6.500% $245,000 8.3%
PNC Bank, National Association 32 6.500% $270,000 20.0%
Truist Bank 32 6.188% $305,000 13.5%
Presidential Bank, FSB 30 6.625% $240,000 11.4%
LEGACY COMMUNITY FEDERAL CREDIT UNION 29 Not published $325,000 5.0%
GMFS LLC 29 6.375% $405,000 0.0%
River Bank & Trust 29 7.350% $335,000 0.0%
Loan Funder LLC 28 10.750% $115,000 31.7%
FREEDOM MORTGAGE CORPORATION 28 6.250% $290,000 17.1%
FIRST COMMUNITY MORTGAGE, INC. 27 6.490% $275,000 3.1%
AMERICAN PACIFIC MORTGAGE CORPORATION 26 6.125% $270,000 10.3%
BoxCar Mortgage, LLC 26 6.313% $255,000 0.0%
Liberty Mortgage Corporation 25 6.500% $315,000 0.0%
Click n' Close, Inc. 24 7.000% $150,000 0.0%
HOPE FEDERAL CREDIT UNION 24 6.875% $140,000 31.4%
THE MORTGAGE FIRM, INC. 24 6.495% $225,000 3.9%
FIRST COLONY MORTGAGE CORPORATION 22 6.625% $230,000 0.0%
254900CTT87ZKAUTIJ37 22 8.188% $155,000 29.0%
Bank of America, National Association 22 5.750% $255,000 21.4%
TOWNE MORTGAGE COMPANY 22 6.188% $255,000 4.0%
Filo Mortgage, L.L.C. 20 6.125% $375,000 4.8%
Community Bank of Mississippi 19 7.500% $355,000 15.4%
Bryant Bank 19 6.875% $305,000 9.5%
First National Bank of America 18 9.245% $145,000 17.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. 18 6.813% $225,000 0.0%
Colorado Federal Savings Bank 18 6.375% $335,000 10.0%
USAA Federal Savings Bank 17 6.500% $195,000 46.9%
Hamilton Mortgage Corporation 17 6.000% $135,000 0.0%
KIND LENDING, LLC 17 6.250% $285,000 25.0%
EVERETT FINANCIAL, INC. 17 6.375% $145,000 10.5%
ZILLOW HOME LOANS, LLC 17 6.500% $195,000 10.5%
PLAZA HOME MORTGAGE, INC. 17 6.625% $215,000 26.1%
NFM, INC. 17 6.250% $235,000 0.0%
Cornerstone First Mortgage, Inc 16 6.500% $165,000 5.9%
MUTUAL OF OMAHA MORTGAGE, INC. 14 6.438% $365,000 0.0%
Stifel Bank and Trust 14 6.063% $760,000 0.0%
PREMIER LENDING, INC. 14 7.313% $140,000 0.0%
Central State Bank 14 Not published $360,000 0.0%
EvaBank 13 Not published $115,000 17.7%
Pinnacle Bank 13 6.375% $265,000 12.5%
CMG MORTGAGE, INC. 13 6.500% $405,000 0.0%
Morgan Stanley Private Bank, National Association 13 5.900% $605,000 0.0%
AMERICAN HERITAGE LENDING, LLC 13 8.375% $125,000 0.0%
DOMINION FINANCIAL SERVICES, LLC 12 10.995% $165,000 0.0%
APCO EMPLOYEES 12 6.063% $205,000 14.3%
ACIPCO Federal Credit Union 12 7.250% $235,000 0.0%
Consumer First Mortgage, Inc. 12 6.250% $165,000 0.0%
AMERICAN FINANCIAL NETWORK, INC. 11 6.750% $175,000 42.9%
Liberty 11 6.500% $265,000 8.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC 11 7.750% $255,000 14.3%
PRINCETON MORTGAGE CORPORATION 11 6.250% $135,000 7.1%
CB&S Bank, Inc. 11 6.990% $425,000 0.0%
Tomo Mortgage, LLC 10 6.750% $385,000 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. 10 6.495% $170,000 0.0%
PENTAGON FEDERAL CREDIT UNION 10 6.063% $220,000 33.3%
DEEPHAVEN MORTGAGE LLC 10 7.563% $125,000 21.4%
The Hometown Bank of Alabama 10 Not published $200,000 7.7%
AMWEST FUNDING CORP. 10 7.188% $250,000 9.1%
SUCCESS LENDING, LLC 10 6.438% $255,000 9.1%
Bank of England 10 6.813% $300,000 0.0%
Equity Prime Mortgage LLC 9 Under 10 loans Under 10 loans 30.8%
BETTER MORTGAGE CORPORATION 9 Under 10 loans Under 10 loans 40.0%
Southern Bancorp Bank 9 Under 10 loans Under 10 loans 21.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 Under 10 loans Under 10 loans 38.9%
OCMBC, INC. 9 Under 10 loans Under 10 loans 18.2%
Commerce Home Mortgage, Inc. 9 Under 10 loans Under 10 loans 10.0%
REDSTONE Federal Credit Union 9 Under 10 loans Under 10 loans 0.0%
NATIONSTAR MORTGAGE LLC 9 Under 10 loans Under 10 loans 10.0%
Magnolia Bank, Incorporated 9 Under 10 loans Under 10 loans 0.0%
SOFI BANK, NATIONAL ASSOCIATION 8 Under 10 loans Under 10 loans 11.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 8 Under 10 loans Under 10 loans 0.0%
First Financial Bank 8 Under 10 loans Under 10 loans 27.3%
AMERICAN FINANCIAL RESOURCES, INC. 8 Under 10 loans Under 10 loans 11.1%
FIRSTTRUST HOME LOANS, INC. 8 Under 10 loans Under 10 loans 0.0%
LIMA ONE CAPITAL, LLC 8 Under 10 loans Under 10 loans 20.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC 8 Under 10 loans Under 10 loans 0.0%
PHH Mortgage Corporation 8 Under 10 loans Under 10 loans 11.1%
LAND HOME FINANCIAL SERVICES, INC. 8 Under 10 loans Under 10 loans 0.0%
SOUTHWEST FUNDING, LP 7 Under 10 loans Under 10 loans 0.0%
SUCCESS MORTGAGE PARTNERS, INC. 7 Under 10 loans Under 10 loans 0.0%
LENDLO MORTGAGE, LLC 7 Under 10 loans Under 10 loans 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. 7 Under 10 loans Under 10 loans 0.0%
CHURCHILL MORTGAGE CORPORATION 7 Under 10 loans Under 10 loans 0.0%
MORTGAGE INVESTORS GROUP, INC. 7 Under 10 loans Under 10 loans 12.5%
Eco Credit Union 7 Under 10 loans Under 10 loans 0.0%
TRIAD FINANCIAL SERVICES, INC. 6 Under 10 loans Under 10 loans 39.6%
Northpointe Bank 6 Under 10 loans Under 10 loans 33.3%
U.S. Bank National Association 6 Under 10 loans Under 10 loans 25.0%
2549005Z23HAAZ6QDM98 6 Under 10 loans Under 10 loans 14.3%
ENVOY MORTGAGE, LTD 6 Under 10 loans Under 10 loans 14.3%
Zippy Loans, LLC 6 Under 10 loans Under 10 loans 14.3%
First Federal Bank 6 Under 10 loans Under 10 loans 14.3%
Citadel Servicing Corporation 6 Under 10 loans Under 10 loans 0.0%
Flagstar Bank, N.A. 6 Under 10 loans Under 10 loans 0.0%
Traditions Bank 6 Under 10 loans Under 10 loans 0.0%
West Alabama Bank & Trust 6 Under 10 loans Under 10 loans 0.0%
SmartBank 6 Under 10 loans Under 10 loans 0.0%
ALABAMA CREDIT UNION 6 Under 10 loans Under 10 loans 0.0%
LENDINGONE, LLC 5 Under 10 loans Under 10 loans 68.8%
SOUTHWEST STAGE FUNDING, LLC 5 Under 10 loans Under 10 loans 20.0%
Barrington Bank & Trust Company, National Association 5 Under 10 loans Under 10 loans 28.6%
A&D Mortgage LLC 5 Under 10 loans Under 10 loans 0.0%
LOWER, LLC 5 Under 10 loans Under 10 loans 0.0%
Paramount Residential Mortgage Group, Inc. 5 Under 10 loans Under 10 loans 16.7%
Citibank, National Association 5 Under 10 loans Under 10 loans 16.7%
NBKC BANK 5 Under 10 loans Under 10 loans 0.0%
DIRECTIONS EQUITY, LLC 5 Under 10 loans Under 10 loans 0.0%
Fifth Third Bank, National Association 5 Under 10 loans Under 10 loans 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY 5 Under 10 loans Under 10 loans 0.0%
Metro Bank 5 Under 10 loans Under 10 loans 16.7%
HOMEXPRESS MORTGAGE CORP. 4 Under 10 loans Under 10 loans 50.0%
AMERICAN INTERNET MORTGAGE, INC. 4 Under 10 loans Under 10 loans 0.0%
First Option Mortgage, LLC 4 Under 10 loans Under 10 loans 0.0%
SECURITYNATIONAL MORTGAGE COMPANY 4 Under 10 loans Under 10 loans 20.0%
Raymond James Bank 4 Under 10 loans Under 10 loans 0.0%
Jefferson Credit Union 4 Under 10 loans Under 10 loans 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. 4 Under 10 loans Under 10 loans 0.0%
Loan Simple, Inc. 4 Under 10 loans Under 10 loans 0.0%
Charles Schwab Bank, SSB 4 Under 10 loans Under 10 loans 0.0%
Robertson Banking Company 4 Under 10 loans Under 10 loans 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 3 Under 10 loans Under 10 loans 0.0%
Wilmington Savings Fund Society, FSB 3 Under 10 loans Under 10 loans 0.0%
BankPlus 3 Under 10 loans Under 10 loans 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC 3 Under 10 loans Under 10 loans 0.0%
NEXERA HOLDING LLC 3 Under 10 loans Under 10 loans 25.0%
BankFirst Financial Services 3 Under 10 loans Under 10 loans 0.0%
SUN WEST MORTGAGE COMPANY, INC. 3 Under 10 loans Under 10 loans 0.0%
ALABAMA ONE 3 Under 10 loans Under 10 loans 0.0%
Valley National Bank 3 Under 10 loans Under 10 loans 0.0%
HANCOCK WHITNEY BANK 3 Under 10 loans Under 10 loans 0.0%
RESICENTRAL, LLC 3 Under 10 loans Under 10 loans 0.0%
Armed Forces Bank, National Association 3 Under 10 loans Under 10 loans 0.0%
NobleBank & Trust 3 Under 10 loans Under 10 loans 25.0%
NexBank 3 Under 10 loans Under 10 loans 0.0%
BAY EQUITY LLC 3 Under 10 loans Under 10 loans 0.0%
MICHIGAN MUTUAL, INC. 3 Under 10 loans Under 10 loans 0.0%
AMERIHOME MORTGAGE COMPANY, LLC 3 Under 10 loans Under 10 loans 0.0%
Bank of Frankewing 3 Under 10 loans Under 10 loans 0.0%
Marion Bank & Trust Company 3 Under 10 loans Under 10 loans 0.0%
KEYSTONE FUNDING, INC. 3 Under 10 loans Under 10 loans 0.0%
Towne Bank 3 Under 10 loans Under 10 loans 0.0%
Bank Independent 3 Under 10 loans Under 10 loans 0.0%
First Heritage Mortgage, LLC 3 Under 10 loans Under 10 loans 0.0%
First Bank of Alabama 3 Under 10 loans Under 10 loans 0.0%
ACOPIA, LLC 3 Under 10 loans Under 10 loans 0.0%
Troy Bank and Trust Company 3 Under 10 loans Under 10 loans 0.0%
V.I.P. MORTGAGE, INC. 3 Under 10 loans Under 10 loans 0.0%
GUIDANCE RESIDENTIAL, LLC 3 Under 10 loans Under 10 loans 0.0%
Luminate Bank 3 Under 10 loans Under 10 loans 0.0%
ALLIANT CREDIT UNION 3 Under 10 loans Under 10 loans 0.0%
MERCHANTS MORTGAGE & TRUST CORPORATION, LLC 3 Under 10 loans Under 10 loans 0.0%
Manufacturers and Traders Trust Company 3 Under 10 loans Under 10 loans 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP 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 214 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.