Mortgage lenders in St. Clair County
2,689 mortgages were made in St. Clair County, Alabama, in 2025, by 281 lenders. The median rate their borrowers got was 6.490% on a median loan of $205,000. Of 3,720 decisions, 853 were denials — 22.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 155 | 6.750% | $175,000 | 20.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 152 | 6.110% | $265,000 | 9.3% |
| Regions Bank | 121 | 4.990% | $75,000 | 39.1% |
| DHI MORTGAGE COMPANY, LTD. | 111 | 4.990% | $265,000 | 18.3% |
| AMERICA'S FIRST | 108 | 5.750% | $75,000 | 20.4% |
| Metro Bank | 105 | Not published | $75,000 | 4.3% |
| SouthPoint Bank | 83 | 6.250% | $245,000 | 6.6% |
| Fairway Independent Mortgage Corporation | 64 | 6.490% | $260,000 | 3.0% |
| LENDLO MORTGAGE, LLC | 54 | 5.750% | $215,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 51 | 5.875% | $275,000 | 13.7% |
| FBC MORTGAGE, LLC | 50 | 6.250% | $315,000 | 2.0% |
| Loandepot.Com, LLC | 47 | 6.490% | $235,000 | 23.4% |
| PENNYMAC LOAN SERVICES, LLC | 44 | 6.438% | $165,000 | 18.2% |
| Mortgage Research Center, LLC | 43 | 6.250% | $265,000 | 29.0% |
| STOCKTON MORTGAGE CORPORATION | 42 | 6.750% | $160,000 | 6.7% |
| FirstBank | 41 | 6.750% | $235,000 | 39.8% |
| PNC Bank, National Association | 39 | 8.100% | $85,000 | 31.7% |
| Cadence Bank | 39 | 6.500% | $255,000 | 20.0% |
| 21st Mortgage Corporation | 37 | 9.880% | $125,000 | 55.2% |
| CANOPY MORTGAGE, LLC | 37 | 5.990% | $255,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 36 | 6.500% | $215,000 | 11.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 9.500% | $115,000 | 71.1% |
| Assurance Financial Group, L.L.C. | 34 | 6.495% | $205,000 | 2.9% |
| UNION HOME MORTGAGE CORP. | 33 | 6.500% | $225,000 | 5.6% |
| First Federal Bank, A FSB | 33 | 6.375% | $235,000 | 2.9% |
| AVADIAN | 33 | 4.990% | $75,000 | 15.0% |
| Prosperity Home Mortgage, LLC | 32 | 6.313% | $250,000 | 8.6% |
| NEWREZ LLC | 31 | 6.250% | $245,000 | 27.3% |
| Renasant Bank | 30 | 6.535% | $260,000 | 3.2% |
| MORTGAGE INVESTORS GROUP, INC. | 30 | 6.490% | $310,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 28 | 8.520% | $135,000 | 33.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 28 | 6.750% | $210,000 | 9.7% |
| MOVEMENT MORTGAGE, LLC | 28 | 6.375% | $210,000 | 3.1% |
| NATIONSTAR MORTGAGE LLC | 26 | 7.490% | $155,000 | 9.7% |
| Truist Bank | 24 | 7.070% | $105,000 | 40.5% |
| Navy Federal Credit Union | 24 | 6.625% | $235,000 | 25.0% |
| HUNT MORTGAGE CORPORATION | 23 | 6.250% | $265,000 | 4.2% |
| Community Bank of Mississippi | 21 | 7.500% | $205,000 | 12.0% |
| GUARANTEED RATE, INC. | 20 | 6.688% | $190,000 | 4.8% |
| APCO EMPLOYEES | 17 | 6.000% | $105,000 | 29.2% |
| Broker Solutions, Inc. | 16 | 6.625% | $155,000 | 23.8% |
| LENNAR MORTGAGE, LLC | 16 | 5.120% | $225,000 | 22.7% |
| Liberty Mortgage Corporation | 16 | 6.565% | $295,000 | 0.0% |
| FIGURE LENDING LLC | 15 | 9.700% | $65,000 | 32.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 15 | 6.575% | $205,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.500% | $185,000 | 21.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 15 | 6.250% | $265,000 | 9.5% |
| KIND LENDING, LLC | 15 | 6.000% | $265,000 | 25.0% |
| THE MORTGAGE FIRM, INC. | 13 | 6.375% | $235,000 | 6.7% |
| THE LOAN STORE, INC. | 12 | 6.183% | $285,000 | 7.1% |
| The Hometown Bank of Alabama | 12 | Not published | $105,000 | 31.6% |
| TOWNE MORTGAGE COMPANY | 12 | 5.625% | $235,000 | 7.1% |
| Valley National Bank | 12 | 6.490% | $165,000 | 7.1% |
| NFM, INC. | 12 | 6.063% | $225,000 | 0.0% |
| Mortgage Right | 11 | 6.625% | $215,000 | 0.0% |
| The Federal Savings Bank | 11 | 6.375% | $275,000 | 21.4% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 11 | Not published | $175,000 | 8.3% |
| Trustmark National Bank | 11 | 6.500% | $305,000 | 15.4% |
| SPRING EQ, LLC | 10 | 9.363% | $65,000 | 66.7% |
| LEADERONE FINANCIAL CORPORATION | 10 | 6.313% | $225,000 | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.688% | $245,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| 5493005QMX3SJKDTQZ62 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FAMILY SAVINGS CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Ameris Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| BoxCar Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 61.9% |
| SouthState Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Synovus Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Hamilton Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bryant Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| River Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 86.1% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 76.2% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 56.3% |
| JPMorgan Chase Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AlaTrust Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Filo Mortgage, L.L.C. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SOUTHWEST FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HONDA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| REDSTONE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Emblem Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005Z23HAAZ6QDM98 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MORIA DEVELOPMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GMFS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CENTRAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACIPCO Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUBURN UNIVERSITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Harrison Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 1 | Under 10 loans | Under 10 loans | 4.8% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 80.0% |
| 98450062C847FDDA7405 | 1 | Under 10 loans | Under 10 loans | 87.5% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AOD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Frankewing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eco Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First IC Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Virginia Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTMAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EvaBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bancorp Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 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 81 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Clair County
19 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Metro Bank | 6 | $753.9 million |
| Union State Bank | 4 | $96.1 million |
| Truist Bank | 3 | $140.8 million |
| PNC Bank, National Association | 2 | $72.7 million |
| Valley National Bank | 1 | $102.2 million |
| Regions Bank | 1 | $85.7 million |
| The Huntington National Bank | 1 | $73.4 million |
| Peoples Independent Bank | 1 | $17.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Cadence Bank, 2450 Moody Pkwy, Moody
Get told when this changes
When the next year’s lending figures are out for St. Clair 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.