Refinancing lenders in Jefferson County
1,989 refinancing mortgages were made in Jefferson County, Alabama, in 2025, by 250 lenders. The median rate their borrowers got was 6.375% on a median loan of $205,000. Of 2,852 decisions, 661 were denials — 23.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Regions Bank | 275 | 4.990% | $105,000 | 33.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 165 | 5.625% | $285,000 | 15.8% |
| Rocket Mortgage, LLC | 108 | 5.990% | $255,000 | 23.8% |
| Kiavi Funding, Inc. | 106 | 7.000% | $85,000 | 7.6% |
| Cadence Bank | 89 | 7.500% | $165,000 | 22.7% |
| FREEDOM MORTGAGE CORPORATION | 76 | 6.250% | $295,000 | 6.9% |
| PNC Bank, National Association | 71 | 7.690% | $145,000 | 22.6% |
| PENNYMAC LOAN SERVICES, LLC | 54 | 5.933% | $305,000 | 9.4% |
| Synovus Bank | 54 | 7.925% | $255,000 | 16.2% |
| AMERICA'S FIRST | 37 | 5.750% | $75,000 | 9.8% |
| Renasant Bank | 32 | 6.938% | $180,000 | 9.5% |
| Fairway Independent Mortgage Corporation | 26 | 6.490% | $370,000 | 10.3% |
| Trustmark National Bank | 26 | 7.000% | $185,000 | 26.8% |
| PLANET HOME LENDING, LLC | 25 | 5.990% | $245,000 | 16.1% |
| Community Bank of Mississippi | 25 | 7.500% | $295,000 | 3.6% |
| AVADIAN | 22 | 6.313% | $175,000 | 18.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 21 | 6.375% | $275,000 | 19.2% |
| BPL MORTGAGE TRUST, LLC | 21 | 7.250% | $115,000 | 12.5% |
| ServisFirst Bank | 21 | 7.250% | $305,000 | 4.6% |
| Eco Credit Union | 21 | 8.000% | $55,000 | 0.0% |
| Truist Bank | 20 | 6.720% | $120,000 | 36.4% |
| First Horizon Bank | 19 | 7.940% | $305,000 | 20.8% |
| NEWREZ LLC | 18 | 6.250% | $255,000 | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 18 | 6.875% | $100,000 | 28.6% |
| River Bank & Trust | 18 | 6.620% | $200,000 | 0.0% |
| Loan Funder LLC | 17 | 7.630% | $135,000 | 19.1% |
| NATIONSTAR MORTGAGE LLC | 17 | 6.125% | $255,000 | 19.1% |
| UNION HOME MORTGAGE CORP. | 15 | 6.500% | $305,000 | 16.7% |
| United Community Bank | 15 | 6.500% | $255,000 | 0.0% |
| Bryant Bank | 14 | 7.500% | $160,000 | 11.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.490% | $315,000 | 12.1% |
| GUILD MORTGAGE COMPANY | 13 | 6.125% | $295,000 | 16.7% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.058% | $285,000 | 53.7% |
| AlaTrust Credit Union | 11 | 7.375% | $65,000 | 42.1% |
| CLEARPATH LENDING | 11 | 5.625% | $295,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 5.933% | $225,000 | 67.7% |
| Broker Solutions, Inc. | 10 | 6.125% | $290,000 | 33.3% |
| NEW DAY FINANCIAL, LLC | 10 | 6.490% | $180,000 | 23.1% |
| Citizens Bank, National Association | 10 | 7.120% | $270,000 | 16.7% |
| THE LOAN STORE, INC. | 10 | 6.058% | $435,000 | 0.0% |
| Central State Bank | 10 | Not published | $240,000 | 8.3% |
| Assurance Financial Group, L.L.C. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Hometown Bank of Alabama | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| MILEND, INC. | 7 | Under 10 loans | Under 10 loans | 38.9% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| STOCKTON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ACIPCO Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 6 | Under 10 loans | Under 10 loans | 41.7% |
| SouthPoint Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Metro Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 61.5% |
| SouthState Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| APCO EMPLOYEES | 5 | Under 10 loans | Under 10 loans | 37.5% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Peoples Bank of Alabama | 5 | Under 10 loans | Under 10 loans | 14.3% |
| EvaBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 66.7% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 5493005QMX3SJKDTQZ62 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerceone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 84.6% |
| REDSTONE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 62.5% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GMFS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Robertson Banking Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Independent | 2 | Under 10 loans | Under 10 loans | 0.0% |
| West Alabama Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First South Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VICTORIAN FINANCE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BANK OF MADISON | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orion Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Investar Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Independent Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank of the South | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300XQM4M89ZBZLQ02 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Liberty | 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 50 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Jefferson County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.