Home purchase lenders in Shelby County
3,648 home purchase mortgages were made in Shelby County, Alabama, in 2025, by 302 lenders. The median rate their borrowers got was 6.490% on a median loan of $295,000. Of 4,261 decisions, 459 were denials — 10.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 238 | 4.990% | $315,000 | 19.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 202 | 6.250% | $280,000 | 6.9% |
| Fairway Independent Mortgage Corporation | 181 | 6.625% | $305,000 | 1.6% |
| FirstBank | 177 | 6.375% | $255,000 | 11.7% |
| Regions Bank | 126 | 6.375% | $275,000 | 10.1% |
| FBC MORTGAGE, LLC | 114 | 6.125% | $295,000 | 2.5% |
| Prosperity Home Mortgage, LLC | 110 | 6.500% | $295,000 | 4.3% |
| SouthPoint Bank | 106 | 6.313% | $285,000 | 3.6% |
| GUILD MORTGAGE COMPANY | 101 | 6.500% | $275,000 | 4.0% |
| MOVEMENT MORTGAGE, LLC | 92 | 6.625% | $265,000 | 3.6% |
| UNION HOME MORTGAGE CORP. | 90 | 6.625% | $305,000 | 4.1% |
| Cadence Bank | 88 | 6.375% | $365,000 | 6.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 84 | 6.625% | $285,000 | 49.2% |
| Renasant Bank | 83 | 6.625% | $305,000 | 5.6% |
| Trustmark National Bank | 83 | 6.375% | $325,000 | 0.0% |
| Rocket Mortgage, LLC | 77 | 6.500% | $315,000 | 11.4% |
| Mortgage Right | 63 | 6.625% | $345,000 | 4.6% |
| Assurance Financial Group, L.L.C. | 50 | 6.813% | $285,000 | 0.0% |
| AVADIAN | 50 | 6.125% | $255,000 | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | 47 | 6.375% | $315,000 | 9.6% |
| Mortgage Research Center, LLC | 42 | 6.250% | $350,000 | 6.7% |
| First Federal Bank, A FSB | 40 | 6.375% | $255,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.575% | $325,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 35 | 6.750% | $265,000 | 9.8% |
| Navy Federal Credit Union | 33 | 6.250% | $325,000 | 5.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 30 | 6.500% | $280,000 | 3.2% |
| THE LOAN STORE, INC. | 29 | 6.250% | $295,000 | 2.9% |
| CANOPY MORTGAGE, LLC | 28 | 6.313% | $335,000 | 3.5% |
| AMERICA'S FIRST | 27 | 6.125% | $215,000 | 3.5% |
| GUARANTEED RATE, INC. | 26 | 6.838% | $245,000 | 18.2% |
| LEADERONE FINANCIAL CORPORATION | 26 | 6.750% | $225,000 | 25.7% |
| 21st Mortgage Corporation | 25 | 9.410% | $155,000 | 59.0% |
| Loandepot.Com, LLC | 25 | 6.125% | $285,000 | 39.0% |
| 5493005QMX3SJKDTQZ62 | 25 | 6.500% | $335,000 | 3.9% |
| CMG MORTGAGE, INC. | 25 | 6.375% | $365,000 | 0.0% |
| Plains Commerce Bank | 24 | 6.625% | $410,000 | 0.0% |
| GMFS LLC | 24 | 6.250% | $290,000 | 0.0% |
| Broker Solutions, Inc. | 23 | 6.625% | $265,000 | 4.2% |
| BoxCar Mortgage, LLC | 22 | 6.688% | $280,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 21 | 6.375% | $515,000 | 8.7% |
| USAA Federal Savings Bank | 21 | 6.125% | $355,000 | 12.5% |
| NEWREZ LLC | 21 | 6.250% | $405,000 | 4.6% |
| Wells Fargo Bank, National Association | 20 | 6.375% | $295,000 | 0.0% |
| Central State Bank | 20 | Not published | $190,000 | 8.0% |
| PNC Bank, National Association | 19 | 6.375% | $305,000 | 24.0% |
| ServisFirst Bank | 19 | 6.875% | $305,000 | 0.0% |
| Hamilton Mortgage Corporation | 17 | 6.250% | $215,000 | 5.6% |
| NFM, INC. | 17 | 6.000% | $245,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.250% | $335,000 | 5.6% |
| SouthState Bank, National Association | 16 | 6.062% | $310,000 | 23.8% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.250% | $305,000 | 28.6% |
| MORIA DEVELOPMENT, INC. | 15 | 6.250% | $325,000 | 11.8% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 15 | Not published | $235,000 | 0.0% |
| Ameris Bank | 15 | 6.500% | $285,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 6.688% | $320,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.125% | $255,000 | 0.0% |
| Synovus Bank | 13 | 6.625% | $255,000 | 13.3% |
| First Horizon Bank | 13 | 6.500% | $335,000 | 13.3% |
| FIRST COLONY MORTGAGE CORPORATION | 13 | 6.490% | $295,000 | 0.0% |
| River Bank & Trust | 13 | 7.250% | $265,000 | 6.7% |
| THE MORTGAGE FIRM, INC. | 12 | 6.370% | $260,000 | 18.8% |
| Bank of America, National Association | 12 | 6.125% | $300,000 | 14.3% |
| LOWER, LLC | 12 | 6.500% | $345,000 | 7.7% |
| First National Bank of America | 12 | 9.188% | $225,000 | 7.7% |
| LENNAR MORTGAGE, LLC | 11 | 5.625% | $245,000 | 15.4% |
| Cornerstone First Mortgage, Inc | 11 | 6.625% | $255,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 11 | 6.750% | $245,000 | 21.4% |
| HUNT MORTGAGE CORPORATION | 11 | 6.250% | $285,000 | 8.3% |
| TOWNE MORTGAGE COMPANY | 10 | 6.125% | $250,000 | 0.0% |
| Magnolia Bank, Incorporated | 10 | 6.313% | $260,000 | 0.0% |
| APCO EMPLOYEES | 10 | 5.875% | $365,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 35.9% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Filo Mortgage, L.L.C. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Bryant Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDLO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Colorado Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Liberty Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Truist Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CB&S Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EvaBank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Community Bank of Mississippi | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| ALABAMA CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ACIPCO Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SmartBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 20.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORIAN FINANCE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 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% |
| Metro Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 9.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COLONY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eco Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOPE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 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% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 549300Y3R0S9WULTX168 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AlaTrust Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Frankewing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AOD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDSTONE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 98450062C847FDDA7405 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | 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 102 lenders each made 1 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.