Mortgage lenders in Shelby County
6,757 mortgages were made in Shelby County, Alabama, in 2025, by 376 lenders. The median rate their borrowers got was 6.490% on a median loan of $245,000. Of 8,867 decisions, 1,663 were denials — 18.8%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Regions Bank | 623 | 4.990% | $105,000 | 29.9% |
| Rocket Mortgage, LLC | 355 | 6.875% | $205,000 | 17.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 343 | 6.125% | $285,000 | 10.5% |
| AVADIAN | 284 | 4.990% | $85,000 | 13.0% |
| AMERICA'S FIRST | 251 | 5.750% | $85,000 | 14.2% |
| DHI MORTGAGE COMPANY, LTD. | 239 | 4.990% | $315,000 | 18.9% |
| Fairway Independent Mortgage Corporation | 209 | 6.625% | $305,000 | 1.9% |
| FirstBank | 208 | 6.500% | $255,000 | 10.9% |
| Cadence Bank | 151 | 6.750% | $285,000 | 13.4% |
| Trustmark National Bank | 126 | 6.625% | $275,000 | 7.2% |
| Prosperity Home Mortgage, LLC | 124 | 6.500% | $305,000 | 4.5% |
| Renasant Bank | 122 | 6.750% | $280,000 | 8.8% |
| UNION HOME MORTGAGE CORP. | 119 | 6.625% | $315,000 | 3.2% |
| FBC MORTGAGE, LLC | 118 | 6.250% | $295,000 | 3.3% |
| PENNYMAC LOAN SERVICES, LLC | 116 | 6.433% | $265,000 | 14.9% |
| MOVEMENT MORTGAGE, LLC | 115 | 6.625% | $245,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 113 | 6.500% | $265,000 | 5.7% |
| SouthPoint Bank | 109 | 6.375% | $285,000 | 6.0% |
| PNC Bank, National Association | 97 | 7.760% | $135,000 | 35.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 91 | 6.625% | $285,000 | 47.6% |
| FREEDOM MORTGAGE CORPORATION | 85 | 6.250% | $285,000 | 19.4% |
| APCO EMPLOYEES | 79 | 6.000% | $105,000 | 25.5% |
| NATIONSTAR MORTGAGE LLC | 78 | 8.125% | $100,000 | 10.1% |
| Loandepot.Com, LLC | 70 | 6.933% | $170,000 | 44.5% |
| Navy Federal Credit Union | 70 | 6.875% | $205,000 | 26.3% |
| Mortgage Right | 65 | 6.500% | $345,000 | 4.4% |
| Assurance Financial Group, L.L.C. | 59 | 6.875% | $285,000 | 0.0% |
| Mortgage Research Center, LLC | 57 | 6.125% | $315,000 | 26.9% |
| NEWREZ LLC | 55 | 6.490% | $275,000 | 21.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 48 | 6.575% | $300,000 | 5.8% |
| Synovus Bank | 47 | 7.650% | $235,000 | 21.9% |
| Central State Bank | 46 | Not published | $160,000 | 5.5% |
| STOCKTON MORTGAGE CORPORATION | 44 | 6.750% | $270,000 | 14.8% |
| First Federal Bank, A FSB | 41 | 6.375% | $255,000 | 2.4% |
| Coastal Community Bank | 39 | 9.240% | $55,000 | 3.8% |
| Wells Fargo Bank, National Association | 39 | 6.375% | $225,000 | 17.0% |
| THE LOAN STORE, INC. | 39 | 6.250% | $275,000 | 6.3% |
| ServisFirst Bank | 38 | 7.125% | $300,000 | 2.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 34 | 6.500% | $275,000 | 2.9% |
| Bank of America, National Association | 33 | 6.375% | $205,000 | 28.3% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 33 | Not published | $105,000 | 7.5% |
| Truist Bank | 32 | 6.658% | $160,000 | 46.3% |
| GUARANTEED RATE, INC. | 32 | 6.875% | $230,000 | 16.7% |
| CANOPY MORTGAGE, LLC | 32 | 6.250% | $320,000 | 3.0% |
| FIGURE LENDING LLC | 31 | 8.850% | $55,000 | 27.3% |
| CMG MORTGAGE, INC. | 31 | 6.490% | $365,000 | 0.0% |
| SPRING EQ, LLC | 30 | 8.950% | $75,000 | 58.7% |
| AmeriSave Mortgage Corporation | 30 | 8.625% | $65,000 | 57.8% |
| JPMorgan Chase Bank, National Association | 30 | 6.495% | $300,000 | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 29 | 6.750% | $205,000 | 32.6% |
| Plains Commerce Bank | 28 | 6.563% | $390,000 | 0.0% |
| Broker Solutions, Inc. | 27 | 6.625% | $265,000 | 22.9% |
| 5493005QMX3SJKDTQZ62 | 27 | 6.500% | $355,000 | 3.6% |
| 21st Mortgage Corporation | 25 | 9.410% | $155,000 | 60.3% |
| GMFS LLC | 25 | 6.250% | $295,000 | 0.0% |
| SouthState Bank, National Association | 24 | 6.295% | $245,000 | 30.6% |
| Bryant Bank | 24 | 7.500% | $235,000 | 7.7% |
| Citizens Bank, National Association | 23 | 7.650% | $105,000 | 32.4% |
| NEW DAY FINANCIAL, LLC | 22 | 6.990% | $325,000 | 28.1% |
| USAA Federal Savings Bank | 22 | 6.125% | $360,000 | 18.5% |
| River Bank & Trust | 22 | 6.950% | $235,000 | 4.2% |
| BoxCar Mortgage, LLC | 22 | 6.688% | $280,000 | 4.4% |
| First Horizon Bank | 21 | 7.125% | $295,000 | 29.0% |
| PLANET HOME LENDING, LLC | 21 | 5.990% | $275,000 | 8.7% |
| U.S. Bank National Association | 19 | 8.250% | $135,000 | 38.7% |
| NFM, INC. | 19 | 6.000% | $235,000 | 0.0% |
| KIND LENDING, LLC | 19 | 6.250% | $345,000 | 9.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.313% | $260,000 | 34.5% |
| Community Bank of Mississippi | 18 | 6.813% | $280,000 | 16.7% |
| FIRST COMMUNITY MORTGAGE, INC. | 18 | 6.625% | $295,000 | 4.8% |
| Hamilton Mortgage Corporation | 17 | 6.250% | $215,000 | 5.6% |
| United Community Bank | 17 | 6.375% | $235,000 | 10.5% |
| Ameris Bank | 17 | 6.500% | $315,000 | 0.0% |
| Eco Credit Union | 17 | 7.750% | $65,000 | 0.0% |
| LOWER, LLC | 16 | 6.500% | $310,000 | 15.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.125% | $285,000 | 0.0% |
| Discover Bank | 15 | 8.760% | $65,000 | 65.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 15 | 6.250% | $175,000 | 52.1% |
| FIRST COLONY MORTGAGE CORPORATION | 15 | 6.490% | $295,000 | 8.7% |
| MORIA DEVELOPMENT, INC. | 15 | 6.250% | $325,000 | 16.7% |
| Cornerstone First Mortgage, Inc | 15 | 6.625% | $245,000 | 6.3% |
| Lendage, LLC | 15 | 10.750% | $45,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 7.000% | $220,000 | 67.3% |
| THE MORTGAGE FIRM, INC. | 14 | 6.495% | $260,000 | 16.7% |
| First National Bank of America | 14 | 9.125% | $225,000 | 6.7% |
| TOWNE MORTGAGE COMPANY | 14 | 6.250% | $245,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 13 | 6.490% | $285,000 | 18.8% |
| AlaTrust Credit Union | 13 | 7.250% | $95,000 | 27.8% |
| GoodLeap, LLC | 13 | 6.850% | $85,000 | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 13 | 6.750% | $245,000 | 18.8% |
| HUNT MORTGAGE CORPORATION | 12 | 6.313% | $270,000 | 7.7% |
| ALABAMA ONE | 12 | 6.875% | $130,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 11 | 8.750% | $125,000 | 31.3% |
| LENNAR MORTGAGE, LLC | 11 | 5.625% | $245,000 | 15.4% |
| Magnolia Bank, Incorporated | 11 | 6.250% | $255,000 | 15.4% |
| Liberty Mortgage Corporation | 11 | 6.380% | $405,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 8.183% | $100,000 | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 7.563% | $85,000 | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.120% | $350,000 | 21.4% |
| Kiavi Funding, Inc. | 10 | 10.970% | $180,000 | 26.7% |
| Filo Mortgage, L.L.C. | 10 | 6.188% | $290,000 | 9.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 10.815% | $180,000 | 16.7% |
| ALABAMA CREDIT UNION | 10 | 5.625% | $340,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 35.9% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Valley National Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| PRINCETON MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENDLO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ALL IN FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| EvaBank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PREMIER LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Morgan Stanley Private Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Mutual Savings Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ACIPCO Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 71.4% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MAX Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HONDA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankFirst Financial Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NobleBank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 9.1% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AOD Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 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 176 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Shelby County
50 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 11 | $1.6 billion |
| Central State Bank | 6 | $781.5 million |
| PNC Bank, National Association | 4 | $282.3 million |
| Renasant Bank | 4 | $280.8 million |
| Wells Fargo Bank, National Association | 3 | $583.4 million |
| Bryant Bank | 2 | $207.9 million |
| Pinnacle Bank | 2 | $111.9 million |
| Valley National Bank | 2 | $101.0 million |
| First US Bank | 2 | $100.9 million |
| Truist Bank | 2 | $83.8 million |
| The Huntington National Bank | 1 | $119.2 million |
| Trustmark Bank | 1 | $76.3 million |
| ServisFirst Bank | 1 | $61.4 million |
| Millennial Bank | 1 | $50.1 million |
| FirstBank | 1 | $49.6 million |
| JPMorgan Chase Bank, National Association | 1 | $37.2 million |
| SouthPoint Bank | 1 | $31.5 million |
| Peoples Bank of Alabama | 1 | $31.0 million |
| CB&S Bank, Inc. | 1 | $27.8 million |
| First Financial Bank | 1 | $12.3 million |
| United Community Bank | 1 | $12.1 million |
| Woodforest National Bank | 1 | $1.5 million |
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 4680 Highway 280, Birmingham
- Synovus Bank, 102 Inverness Cors, Birmingham
- Synovus Bank, 2304 Pelham Pkwy, Pelham
Get told when this changes
When the next year’s lending figures are out for Shelby 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.