Mortgage Lenders and Brokers in Andalusia, Alabama
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Andalusia, Alabama mortgage lenders include CCB Community BankCCB Community Bank225 E Three Notch St, Andalusia, AL 36420A+5.0 ★Texas Ratio: 1.73%, Regions BankRegions Bank200 Church St, Andalusia, AL 36420A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA101 W Bypass, Andalusia, AL 36420A+5.0 ★Texas Ratio: 5.36%, All In Credit UnionAll In Credit Union1602 Dr M L K Jr Expy, Andalusia, AL 36420 3414, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA185 N College St, Auburn, AL 36830A+5.0 ★Texas Ratio: 3.68%, Guardian Credit UnionGuardian Credit Union1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431A+5.0 ★Texas Ratio: 5.47%, First Citizens BankFirst Citizens Bank115 Old Fort Rd W, Fort Deposit, AL 36032A5.0 ★Texas Ratio: 9.58%, The Citizens BankThe Citizens Bank301 S Edwards St, Enterprise, AL 36330A+5.0 ★Texas Ratio: 2.99%, Truist BankTruist Bank629 E Main St, Albertville, AL 35950A+5.0 ★Texas Ratio: 2.87%, and Alabama ONE Credit UnionAlabama ONE Credit Union2549 South Blvd, Brewton, AL 36426A5.0 ★Texas Ratio: 6.53%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Andalusia, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Andalusia are listed first, then lenders elsewhere in Alabama, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Andalusia, Alabama
Market share is the lender's share of all home loans closed in Andalusia, Alabama. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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225 E Three Notch St, Andalusia, AL 36420 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 39 | 26.9% | 97.7% | $146,794 | View |
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2 offices in Andalusia 200 Church St, Andalusia, AL 36420 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA | 2 | 1.4% | 25% | $150,000 | View |
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1 office in Andalusia 101 W Bypass, Andalusia, AL 36420 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.7% | 100% | $95,000 | View |
All In Credit Union
1602 Dr M L K Jr Expy, Andalusia, AL 36420 3414 |
Conventional, HELOC | 3 +11 HELOCs |
2.1% | 60% | $215,000 | |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 2 | 1.4% | 100% | $525,000 | View |
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1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47% |
Conventional, HELOC | 1 +2 HELOCs |
0.7% | 14.3% | $205,000 | View |
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115 Old Fort Rd W, Fort Deposit, AL 36032 A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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301 S Edwards St, Enterprise, AL 36330 A+5.0 ★Texas Ratio: 2.99% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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6 Atlantic St, Ariton, AL 36311 A5.0 ★Texas Ratio: 7.44% |
Conventional | 1 | 0.7% | 100% | $175,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
America'S First Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 14 | 9.7% | 73.7% | $142,142 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 10 | 6.9% | 80% | $183,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.2% | 83.3% | $192,777 | |
Mortgage Research Center
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Conventional, VA | 7 | 4.8% | 70% | $255,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 6 | 4.1% | 100% | $241,666 | |
Towne Mortgage Company
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Conventional, FHA, USDA | 6 | 4.1% | 100% | $251,666 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 3 | 2.1% | 100% | $145,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 1.4% | 66.7% | $50,000 | |
Kind Lending, LLC
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FHA, USDA | 2 | 1.4% | 66.7% | $140,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.4% | 75% | $80,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 1.4% | 42.9% | $225,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.4% | 100% | $50,000 | |
New Day Financial, LLC.
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VA | 2 | 1.4% | 33.3% | $120,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 1.4% | 100% | $180,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 1.4% | 100% | $160,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.4% | 40% | $125,000 | |
Cadence Bank
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USDA, HELOC | 1 +2 HELOCs |
0.7% | 100% | $125,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.7% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 100% | $785,000 | View |
Guaranteed Rate, Inc.
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USDA | 1 | 0.7% | 100% | $185,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 100% | $315,000 | |
Newrez LLC
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FHA | 1 | 0.7% | 50% | $155,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.7% | 100% | $105,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $165,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.7% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 7.48% |
VA | 1 | 0.7% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.7% | 100% | $225,000 | View |
Four Points Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $65,000 | |
Nationstar Mortgage
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VA | 1 | 0.7% | 100% | $305,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.7% | 100% | $275,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.7% | 100% | $125,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.7% | 100% | $85,000 | |
PenAir Credit Union
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Conventional | 1 | 0.7% | 100% | $85,000 | |
21St Mortgage
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Conventional | 1 | 0.7% | 33.3% | $95,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Andalusia Mortgage Rate Trends
Daily average mortgage rates for Alabama compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Andalusia, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Andalusia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Andalusia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Andalusia, AL
Use these to narrow the list above. Each category shows how many Andalusia, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Andalusia, AL
Independent mortgage companies closed 57.2 percent of home loans in Andalusia, Alabama in 2025, banks 35.9 percent and credit unions 6.9 percent. Rocket Mortgage was the largest mortgage company, CCB Community Bank the largest bank and All In Credit Union the largest credit union. Among lenders headquartered in Alabama, CCB Community Bank led with 39 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Alabama. Deed recordation tax of $0.50 per $500 of value (0.10 percent) plus a mortgage recordation tax of $0.15 per $100 of debt (0.15 percent), Ala. Code 40-22-1 and 40-22-2.
More Alabama Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Andalusia, AL
By home loans closed in 2025, CCB Community Bank was the largest mortgage lender in Andalusia, Alabama with 39 loans, about 26.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Andalusia, Alabama in 2025, led by United Wholesale Mortgage with 4. 12 lenders closed VA loans, led by Mortgage Research Center, and 5 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 8 credit unions closed home loans in Andalusia, Alabama in 2025, alongside 30 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Andalusia, Alabama during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Andalusia, Alabama for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Andalusia. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
