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Mortgage Lenders and Brokers in Athens, Alabama

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Athens, Alabama mortgage lenders include Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank1101 Us Highway 72 E, Athens, AL 35611A+5.0 ★Texas Ratio: 4.37%, First National Bank of PulaskiFirst National Bank of Pulaski321 S Jefferson St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.25%, Pinnacle BankPinnacle Bank112 N Jefferson St, Athens, AL 35611A+5.0 ★Texas Ratio: 3.04%, PNC Bank N.A.PNC Bank N.A.105 W Green St, Athens, AL 35611A+5.0 ★Texas Ratio: 4.24%, First Metro BankFirst Metro Bank309 W Washington St, Athens, AL 35611A+5.0 ★Texas Ratio: 1.01%, Bryant BankBryant Bank286 Us Highway 31 S, Athens, AL 35611A+5.0 ★Texas Ratio: 2.46%, Redstone Federal Credit UnionRedstone Federal Credit Union1703 Jefferson St SE, Athens, AL 35611A+5.0 ★Texas Ratio: 2.10%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, and Bank IndependentBank Independent22015 Us Highway 72, Athens, AL 35613A+5.0 ★Texas Ratio: 1.45%. 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 Athens, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Athens 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 Athens, Alabama

Market share is the lender's share of all home loans closed in Athens, 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
Trustmark Bank 2 offices in Athens 111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, USDA, HELOC	44 +8 HELOCs	2.9%	95.7%	$310,227	View
Regions Bank 2 offices in Athens 1101 Us Highway 72 E, Athens, AL 35611 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, USDA, HELOC	34 +41 HELOCs	2.3%	63.3%	$166,176	View
First National Bank of Pulaski 2 offices in Athens 321 S Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.25%	Conventional, USDA	25	1.7%	100%	$301,400	View
Pinnacle Bank 1 office in Athens 112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	11 +2 HELOCs	0.7%	100%	$128,636	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Athens 105 W Green St, Athens, AL 35611 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, Jumbo, HELOC	8 +17 HELOCs	0.5%	72.7%	$308,750	View
First Metro Bank 2 offices in Athens 309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01%	Conventional	4	0.3%	71.4%	$237,500	View
Bryant Bank 1 office in Athens 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional, HELOC	2 +5 HELOCs	0.1%	66.7%	$335,000	View
Redstone Federal Credit Union 1703 Jefferson St SE, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.10%	Conventional, FHA, VA, USDA, HELOC	40 +104 HELOCs	2.7%	80%	$248,500	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, USDA, HELOC	33 +2 HELOCs	2.2%	94.3%	$276,212	View
Bank Independent 22015 Us Highway 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 1.45%	Conventional, FHA, Jumbo, HELOC	17 +21 HELOCs	1.1%	94.4%	$300,294	View
Listerhill Credit Union 22223 US 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 3.96%	Conventional, HELOC	12 +2 HELOCs	0.8%	80%	$300,833	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA, VA, USDA	10	0.7%	100%	$224,000	View
CB&S Bank 1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51%	Conventional, VA, HELOC	9 +4 HELOCs	0.6%	90%	$416,111	View
Southstate Bank, National Association ★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, VA, HELOC	9 +1 HELOCs	0.6%	81.8%	$527,222	View
Renasant Bank 1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, USDA, HELOC	6 +1 HELOCs	0.4%	75%	$275,000	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional	6	0.4%	100%	$341,666	View
Traditions Bank 19 Helicon Rd, Arley, AL 35541 A5.0 ★Texas Ratio: 10.74%	Conventional	5	0.3%	100%	$233,000	View
Merit Bank 3810 Governors Drive Nw, Huntsville, AL 35805 A+5.0 ★Texas Ratio: 0.43%	Conventional, Jumbo	5	0.3%	100%	$395,000	View
TVA Community Credit Union 10835 Shaw Rd # BFT 2C, Athens, AL 35611 A+5.0 ★Texas Ratio: 0.70%	Conventional, HELOC	4 +4 HELOCs	0.3%	80%	$110,000	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	Conventional, VA, HELOC	4 +1 HELOCs	0.3%	80%	$427,500	View
Family Security Credit Union 214 US Highway 31 S, Athens, AL 35611 2828 A+5.0 ★Texas Ratio: 1.16%	Conventional	4	0.3%	66.7%	$225,000	View
Wells Fargo Bank NA 500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	4	0.3%	80%	$132,500	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA, USDA	4	0.3%	100%	$140,000	View
Bank of Frankewing 14226 Highway 231 431 N, Hazel Green, AL 35750 F2.7 ★Texas Ratio: 42.60%	FHA, VA	3	0.2%	100%	$268,333	View
North Alabama Bank 30010 Ardmore Ave, Ardmore, AL 35739 A+5.0 ★Texas Ratio: 0.99%	Conventional	3	0.2%	100%	$115,000	View
Truist Bank ★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	2 +2 HELOCs	0.1%	100%	$475,000	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.1%	100%	$295,000	View
Premier Bank of the South 30710 Us 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 0.00%	Conventional	2	0.1%	66.7%	$560,000	View
EvaBank 1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16%	Conventional	2	0.1%	50%	$85,000	View
United Community Bank 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	FHA, HELOC	1 +2 HELOCs	0.1%	100%	$185,000	View
Alabama ONE Credit Union 2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$535,000	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional	1	0.1%	100%	$225,000	View
Emblem Credit Union 1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02%	Conventional	1	0.1%	100%	$625,000	View
Peoplestrust Bank 1131 Wills Ave, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.80%	Conventional	1	0.1%	100%	$275,000	View
North Alabama Educators Credit Union 107 US Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$25,000	View
First State Bank of the South, Inc 1319 Us Highway 72 E, Athens, AL 35611	Conventional	1	0.1%	100%	$155,000
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional	1	0.1%	100%	$615,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$105,000	View
Community Bank of Mississippi 813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09%	HELOC	0 +1 HELOCs	0%	n/a		View
Hamilton Mortgage Corporation	Conventional, FHA, USDA	12	0.8%	100%	$156,666
Cis Financial Services, Inc.	FHA	1	0.1%	100%	$345,000
Tjc Mortgage Inc	Conventional	1	0.1%	100%	$215,000
CSL Financial, LLC	Conventional	1	0.1%	100%	$155,000
United Wholesale Mortgage	Conventional, FHA, VA, USDA, Jumbo	120	8%	96.1%	$319,083
Lennar Mortgage, LLC	Conventional, FHA, VA, USDA	103	6.9%	83.9%	$280,242
Rocket Mortgage	Conventional, FHA, VA, Jumbo	102	6.8%	79.1%	$227,058
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	75	5%	92.9%	$271,666
DSLD Mortgage LLC	Conventional, FHA, VA, USDA	57	3.8%	96.6%	$251,140
Synovus Bank	Conventional, FHA, VA, USDA, HELOC	49 +2 HELOCs	3.3%	92.5%	$246,020
loanDepot.com LLC	Conventional, FHA, VA, Jumbo, HELOC	35 +1 HELOCs	2.3%	76.6%	$264,142
Freedom Mortgage Corporation	Conventional, FHA, VA	34	2.3%	90.9%	$337,058
Stockton Mortgage Corporation	Conventional, FHA, VA, USDA	34	2.3%	97.2%	$311,470
Pennymac Loan Services LLC	Conventional, FHA, VA	29	1.9%	78.4%	$257,758
Movement Mortgage, LLC	Conventional, FHA, VA, USDA, Jumbo	28	1.9%	97.1%	$435,714
Canopy Mortgage, LLC	Conventional, FHA, VA, USDA	26	1.7%	100%	$256,923
Mortgage Research Center	Conventional, VA, USDA, Jumbo	22	1.5%	62.9%	$409,545
Heritage Mortgage, LLC C-3.6 ★Texas Ratio: 31.27%	Conventional, FHA, VA	20	1.3%	100%	$259,500	View
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA, VA	18	1.2%	33.3%	$185,555
Granite Bank A5.0 ★Texas Ratio: 13.85%	Conventional, FHA, VA	15	1%	100%	$310,333	View
Inspire Home Loans Inc.	Conventional, FHA, VA, USDA	15	1%	85%	$227,000
Nationstar Mortgage	Conventional, FHA, VA	15	1%	83.3%	$192,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	13 +2 HELOCs	0.9%	81.2%	$394,230
Assurance Financial Group, L.L.C.	Conventional, FHA, VA, Jumbo	13	0.9%	86.7%	$457,307
New American Funding, LLC.	Conventional, FHA, VA	12	0.8%	75%	$250,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	12	0.8%	59.1%	$265,833
Newrez LLC	Conventional, FHA, VA, USDA	11	0.7%	85.7%	$210,454
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional, FHA, VA	10	0.7%	100%	$284,000	View
Acrisure Mortgage, LLC	Conventional, FHA, VA, USDA	10	0.7%	90.9%	$276,000
Union Home Mortgage Corp.	Conventional, FHA, VA, USDA	10	0.7%	100%	$240,000
Fairway Independent Mort Corp	Conventional, FHA, VA	10	0.7%	100%	$182,000
Amerisave Mortgage Company	Conventional, FHA, VA	9	0.6%	40.9%	$120,555
Planet Home Lending, LLC	Conventional, FHA, VA	8	0.5%	100%	$300,000
21St Mortgage	Conventional	8	0.5%	40%	$76,250
Cadence Bank	Conventional, VA, HELOC	7 +11 HELOCs	0.5%	100%	$526,428
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	7	0.5%	87.5%	$457,857	View
Towne Mortgage Company	Conventional, FHA, USDA	7	0.5%	77.8%	$325,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA, USDA	7	0.5%	100%	$277,857	View
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional, FHA	7	0.5%	87.5%	$332,142	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	6	0.4%	100%	$355,000	View
Homeowners Financial Group, LLC	Conventional, FHA	6	0.4%	100%	$308,333
TowneBank	Conventional, FHA, VA, USDA	6	0.4%	85.7%	$251,666
Contour Mortgage Corporation	Conventional, FHA	5	0.3%	83.3%	$231,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.3%	50%	$179,000
Equity Prime Mortgage LLC	FHA, VA, USDA	5	0.3%	100%	$243,000
CrossCountry Mortgage, LLC	Conventional, FHA	5	0.3%	100%	$249,000
Guild Mortgage Company	Conventional, FHA	5	0.3%	87.5%	$161,000
Wolfe Financial Inc	FHA, VA	5	0.3%	100%	$351,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	5	0.3%	100%	$189,000	View
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	4	0.3%	57.1%	$242,500	View
Nbkc Bank	Conventional, VA, Jumbo	4	0.3%	100%	$562,500
New Day Financial, LLC.	VA	4	0.3%	50%	$335,000
Atlantic Bay Mortgage Group	Conventional, FHA, VA	4	0.3%	100%	$332,500
Victorian Finance, LLC	Conventional, FHA, VA	4	0.3%	100%	$332,500
Mutual of Omaha Mortgage	Conventional, FHA, VA	4	0.3%	66.7%	$230,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	4	0.3%	100%	$120,000	View
Goodleap, LLC	FHA, HELOC	3 +5 HELOCs	0.2%	100%	$271,666
Spring Eq, LLC	Conventional, HELOC	3 +4 HELOCs	0.2%	30%	$68,333
Kind Lending, LLC	Conventional, VA	3	0.2%	100%	$355,000
AmeriHome Mortgage Company, LLC	FHA	3	0.2%	100%	$228,333
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	3	0.2%	66.7%	$188,333	View
Princeton Mortgage Corporation	Conventional, FHA, VA	3	0.2%	100%	$361,666
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA, USDA	3	0.2%	100%	$171,666	View
Cmg Mortgage Inc	Conventional, VA	3	0.2%	60%	$361,666
First Colony Mortgage Corporat	Conventional, VA, USDA	3	0.2%	60%	$258,333
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	3	0.2%	100%	$238,333	View
Lower, LLC	Conventional, FHA, VA	3	0.2%	75%	$245,000
First Commerce Bank A+5.0 ★Texas Ratio: 0.58%	Conventional	3	0.2%	100%	$381,666	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	3	0.2%	75%	$255,000	View
Plaza Home Mortgage, Inc	Conventional, FHA, USDA	3	0.2%	100%	$195,000
Southwest Funding LP	FHA, USDA	3	0.2%	100%	$201,666
The Loan Store, Inc	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$205,000
Cornerstone First Mortgage, LLC	Conventional	2	0.1%	100%	$185,000
Zippy Loans, LLC	Conventional	2	0.1%	66.7%	$65,000
Residential Wholesale Mortgage	Conventional, VA	2	0.1%	100%	$330,000
Sage Home Loans Corporation	Conventional	2	0.1%	100%	$275,000
AdvantageFirst Lending Inc	FHA, VA	2	0.1%	100%	$275,000
American Financing Corporation	Conventional, FHA	2	0.1%	75%	$105,000
Tennessee Valley Federal C U	Conventional	2	0.1%	100%	$255,000
American Pacific Mortgage Corporation	Conventional, VA	2	0.1%	100%	$295,000
Citadel Servicing Corporation	Conventional	2	0.1%	100%	$335,000
Zillow Home Loans, LLC	Conventional	2	0.1%	66.7%	$365,000
Hope Federal Credit Union A+5.0 ★Texas Ratio: 4.07%	Conventional	2	0.1%	100%	$100,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	2	0.1%	100%	$285,000	View
Ark-La-Tex Financial Services LLC	FHA, VA, Jumbo	2	0.1%	100%	$590,000
The Mortgage Link, Inc.	FHA	2	0.1%	100%	$215,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$305,000
Village Capital & Investment	FHA, VA	2	0.1%	33.3%	$350,000
Guaranteed Rate, Inc.	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$245,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	FHA	1	0.1%	100%	$315,000	View
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$215,000	View
Primelending	FHA	1	0.1%	100%	$195,000
Everett Financial, Inc.	USDA	1	0.1%	100%	$225,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$265,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$445,000
Loanunited.Com, LLC	VA	1	0.1%	100%	$205,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$375,000	View
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.1%	100%	$565,000	View
Onward Home Mortgage, LLC	Conventional	1	0.1%	100%	$615,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$235,000
HomeBridge Financial Services, Inc	FHA	1	0.1%	100%	$305,000
City 1st Mortgage Services, LC	VA	1	0.1%	100%	$385,000
Discover Bank	Conventional	1	0.1%	20%	$65,000
Sun West Mortgage Company, Inc	VA	1	0.1%	100%	$345,000
Click n' Close, Inc.	VA	1	0.1%	100%	$305,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$365,000
ClearPath Lending	VA	1	0.1%	100%	$295,000
Cardinal Financial Company, Li	FHA	1	0.1%	50%	$245,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$195,000
Land Home Financial Services,	Conventional	1	0.1%	100%	$195,000
Premier Lending Inc.	Conventional	1	0.1%	100%	$265,000
T2 Financial LLC	Conventional	1	0.1%	100%	$245,000
Mortgage Equity Partners LLC	Conventional	1	0.1%	50%	$285,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$195,000
Acopia, LLC	USDA	1	0.1%	100%	$205,000
Pike Creek Mortgage Services, Inc.	Conventional	1	0.1%	100%	$295,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$225,000
Genway Home Mortgage, Inc.	VA	1	0.1%	100%	$275,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$535,000
First Continental Mortgage, Ltd.	Conventional	1	0.1%	100%	$375,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$195,000
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	1	0.1%	50%	$315,000	View
Nationwide Mortgage Bankers, Inc.	Conventional	1	0.1%	100%	$105,000
Nmsi, Inc.	Conventional	1	0.1%	100%	$215,000
Southwest Stage Funding LLC	FHA	1	0.1%	66.7%	$205,000
Gmfs, LLC	Conventional	1	0.1%	60%	$265,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$405,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$535,000	View
Superior National Bank A+5.0 ★Texas Ratio: 4.32%	Conventional	1	0.1%	100%	$315,000	View
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$255,000	View
Texana Bank	VA	1	0.1%	100%	$415,000
Loan Simple, Inc.	FHA	1	0.1%	100%	$235,000
Metroplex Mortgage Services	USDA	1	0.1%	100%	$275,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +2 HELOCs	0%	n/a		View
Valon Mortgage	HELOC	0 +2 HELOCs	0%	n/a
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +2 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Athens Mortgage Rate Trends

Daily average mortgage rates for Alabama compared with the national average, updated every evening.

30-Year Fixed AL Avg

7.159%

▲ 0.056 vs 7 days ago

15-Year Fixed AL Avg

6.723%

▲ 0.014 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Athens, Alabama

Looking for mortgage lenders near me or mortgage brokers near me in Athens? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Athens in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Athens, AL

Use these to narrow the list above. Each category shows how many Athens, AL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 104 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 61 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 15 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 76 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 70 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 33 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 29 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Athens, AL

Independent mortgage companies closed 67.4 percent of home loans in Athens, Alabama in 2025, banks 26.9 percent and credit unions 5.7 percent. Hamilton Mortgage Corporation was the largest mortgage company, Trustmark Bank the largest bank and Redstone Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 34 loans.

67.4%

Mortgage companies

26.9%

Banks

5.7%

Credit unions

27%

FHA loans

18%

VA 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

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Frequently Asked Questions About Mortgage Lenders in Athens, AL

Who is the largest mortgage lender in Athens, AL?

By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Athens, Alabama with 44 loans, about 2.9 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 34 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Athens, AL have the highest approval rates?

Among lenders with meaningful volume in Athens, Alabama, DSLD Mortgage LLC approved the highest share of completed applications in 2025 at 96.6 percent, against a 83.3 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Athens, AL mortgage lenders offer FHA, VA and USDA loans?

76 lenders closed FHA loans in Athens, Alabama in 2025, led by United Wholesale Mortgage with 42. 70 lenders closed VA loans, led by United Wholesale Mortgage, and 33 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.

Are credit unions and local banks included in this Athens, AL lender list?

Yes. 61 banks and 15 credit unions closed home loans in Athens, Alabama in 2025, alongside 104 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.

How are mortgage lenders in Athens, AL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Athens, 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 Athens, 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 Athens. 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.