Home purchase lenders in Madison County
6,816 home purchase mortgages were made in Madison County, Alabama, in 2025, by 385 lenders. The median rate their borrowers got was 6.250% on a median loan of $275,000. Of 7,895 decisions, 855 were denials — 10.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 461 | 6.355% | $275,000 | 6.1% |
| LENNAR MORTGAGE, LLC | 378 | 4.750% | $305,000 | 15.0% |
| REDSTONE Federal Credit Union | 326 | 6.500% | $235,000 | 7.4% |
| DHI MORTGAGE COMPANY, LTD. | 312 | 4.990% | $275,000 | 9.4% |
| CANOPY MORTGAGE, LLC | 267 | 6.000% | $275,000 | 0.4% |
| STOCKTON MORTGAGE CORPORATION | 264 | 6.250% | $275,000 | 4.7% |
| FirstBank | 258 | 6.375% | $275,000 | 5.3% |
| Heritage Mortgage, LLC | 241 | 5.750% | $295,000 | 0.4% |
| Trustmark National Bank | 208 | 6.125% | $305,000 | 3.2% |
| Mortgage Research Center, LLC | 176 | 6.250% | $310,000 | 9.2% |
| Rocket Mortgage, LLC | 172 | 6.500% | $280,000 | 8.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 138 | 5.490% | $345,000 | 38.8% |
| Pinnacle Bank | 127 | 5.750% | $155,000 | 11.6% |
| Regions Bank | 111 | 6.125% | $275,000 | 13.6% |
| Navy Federal Credit Union | 111 | 6.000% | $335,000 | 6.6% |
| Loandepot.Com, LLC | 95 | 5.990% | $265,000 | 12.7% |
| Kiavi Funding, Inc. | 95 | 10.490% | $165,000 | 4.9% |
| FIRST COMMUNITY MORTGAGE, INC. | 89 | 6.375% | $265,000 | 4.8% |
| DSLD MORTGAGE, LLC | 87 | 6.250% | $305,000 | 5.4% |
| Colorado Federal Savings Bank | 87 | 6.375% | $315,000 | 0.0% |
| Broker Solutions, Inc. | 76 | 6.625% | $260,000 | 5.0% |
| SouthState Bank, National Association | 73 | 6.250% | $385,000 | 16.1% |
| Cadence Bank | 73 | 6.500% | $245,000 | 3.9% |
| Fairway Independent Mortgage Corporation | 65 | 6.490% | $285,000 | 3.0% |
| Renasant Bank | 65 | 6.375% | $365,000 | 3.0% |
| FIRST COLONY MORTGAGE CORPORATION | 56 | 6.250% | $300,000 | 1.4% |
| Synovus Bank | 55 | 6.250% | $255,000 | 6.8% |
| 2549005Z23HAAZ6QDM98 | 51 | 6.490% | $335,000 | 0.0% |
| USAA Federal Savings Bank | 50 | 6.125% | $320,000 | 32.0% |
| Towne Bank | 49 | 6.250% | $265,000 | 3.9% |
| SmartBank | 49 | 7.250% | $175,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 48 | 5.750% | $300,000 | 12.5% |
| Assurance Financial Group, L.L.C. | 48 | 6.313% | $280,000 | 5.9% |
| CONTOUR MORTGAGE CORPORATION | 48 | 6.625% | $280,000 | 4.0% |
| ServisFirst Bank | 48 | 6.500% | $270,000 | 0.0% |
| AVADIAN | 47 | 5.625% | $365,000 | 5.9% |
| Wells Fargo Bank, National Association | 45 | 6.375% | $265,000 | 11.5% |
| JPMorgan Chase Bank, National Association | 45 | 6.250% | $245,000 | 13.2% |
| UNION HOME MORTGAGE CORP. | 45 | 6.500% | $325,000 | 4.2% |
| Bank Independent | 42 | 6.620% | $230,000 | 8.7% |
| MOVEMENT MORTGAGE, LLC | 42 | 6.313% | $375,000 | 2.1% |
| CB&S Bank, Inc. | 39 | 6.490% | $345,000 | 7.0% |
| THE LOAN STORE, INC. | 38 | 6.495% | $245,000 | 2.4% |
| HOMEAMERICAN MORTGAGE CORPORATION | 37 | 4.625% | $285,000 | 18.8% |
| River Bank & Trust | 36 | 7.000% | $195,000 | 2.7% |
| Ixonia Bank | 33 | 6.000% | $265,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.250% | $360,000 | 27.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.750% | $245,000 | 5.9% |
| INSPIRE HOME LOANS INC. | 31 | 5.250% | $245,000 | 11.6% |
| KIND LENDING, LLC | 31 | 6.500% | $235,000 | 22.5% |
| VICTORIAN FINANCE, LLC | 30 | 6.250% | $235,000 | 16.7% |
| United Community Bank | 30 | 6.375% | $245,000 | 18.9% |
| Bank of Frankewing | 28 | Not published | $270,000 | 17.7% |
| PLANET HOME LENDING, LLC | 27 | 6.500% | $275,000 | 3.5% |
| NEWREZ LLC | 26 | 6.058% | $245,000 | 20.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 26 | 6.688% | $265,000 | 0.0% |
| CMG MORTGAGE, INC. | 26 | 6.500% | $315,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 26 | 6.563% | $365,000 | 16.1% |
| FBC MORTGAGE, LLC | 25 | 4.990% | $295,000 | 7.4% |
| Bryant Bank | 25 | 7.000% | $265,000 | 3.9% |
| SouthPoint Bank | 23 | 5.750% | $275,000 | 0.0% |
| GUARANTEED RATE, INC. | 21 | 6.250% | $245,000 | 11.5% |
| Hamilton Mortgage Corporation | 21 | 6.250% | $235,000 | 0.0% |
| PNC Bank, National Association | 20 | 6.500% | $265,000 | 16.7% |
| 21st Mortgage Corporation | 18 | 9.820% | $110,000 | 67.8% |
| ZILLOW HOME LOANS, LLC | 18 | 6.375% | $305,000 | 16.0% |
| LENDLO MORTGAGE, LLC | 18 | 5.870% | $235,000 | 0.0% |
| North Alabama Bank | 17 | Not published | $125,000 | 0.0% |
| 549300XQM4M89ZBZLQ02 | 17 | Not published | $325,000 | 0.0% |
| First Federal Bank, A FSB | 16 | 6.250% | $285,000 | 15.8% |
| Truist Bank | 16 | 6.250% | $240,000 | 20.0% |
| Bank of America, National Association | 16 | 6.188% | $295,000 | 15.8% |
| MORTGAGEONE, INC. | 16 | 6.313% | $315,000 | 11.1% |
| HOPE FEDERAL CREDIT UNION | 16 | 6.500% | $215,000 | 20.0% |
| First Horizon Bank | 16 | 6.313% | $420,000 | 0.0% |
| GMFS LLC | 15 | 5.750% | $285,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 6.000% | $325,000 | 0.0% |
| First National Bank of Pulaski | 15 | Not published | $295,000 | 0.0% |
| CSL Financial, LLC | 14 | 8.415% | $65,000 | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 13 | 6.375% | $235,000 | 21.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.990% | $275,000 | 7.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.375% | $465,000 | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 13 | 6.125% | $255,000 | 0.0% |
| LENDINGONE, LLC | 12 | 7.260% | $170,000 | 33.3% |
| Tomo Mortgage, LLC | 12 | 6.250% | $360,000 | 7.7% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 12 | 6.375% | $305,000 | 7.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 7.750% | $440,000 | 14.3% |
| GUILD MORTGAGE COMPANY | 12 | 6.750% | $215,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $275,000 | 21.4% |
| Plains Commerce Bank | 11 | 7.000% | $305,000 | 8.3% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 5.990% | $285,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 10 | 6.063% | $345,000 | 28.6% |
| MORTGAGE INVESTORS GROUP, INC. | 10 | 6.375% | $260,000 | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 55.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| TOWNE MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 7.7% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 9.1% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| EVERETT FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Jackson Bank, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 63.4% |
| Primis Mortgage Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| WILSON BANK AND TRUST | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Florida Capital Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EvaBank | 7 | Under 10 loans | Under 10 loans | 42.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CHURCHILL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Listerhill Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 30.0% |
| Peoples Bank of Alabama | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BankFirst Financial Services | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900O723MCLR701H50 | 3 | Under 10 loans | Under 10 loans | 79.0% |
| TAMMAC HOLDINGS CORPORATION | 3 | Under 10 loans | Under 10 loans | 78.6% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S FIRST | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank of the South | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Consumer First Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 37.5% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BrightStar Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 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 185 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.