Mortgage Lenders and Brokers in Bay Minette, Alabama
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Bay Minette, Alabama mortgage lenders include Regions BankRegions Bank408 Courthouse Sq, Bay Minette, AL 36507A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank211b E 1st St, Bay Minette, AL 36507A+5.0 ★Texas Ratio: 4.72%, PNC Bank N.A.PNC Bank N.A.511 Dolive St, Bay Minette, AL 36507A+5.0 ★Texas Ratio: 4.24%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, United BankUnited Bank615 Mcmeans Ave, Bay Minette, AL 36507A+5.0 ★Texas Ratio: 2.15%, Bryant BankBryant Bank286 Us Highway 31 S, Athens, AL 35611A+5.0 ★Texas Ratio: 2.46%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, First Nation Bank and TrustFirst Nation Bank and Trust104 Lindberg Ave, Atmore, AL 36502, and Local BankLocal Bank2204 Whitesburg Drive Sw, Huntsville, AL 35801A5.0 ★Texas Ratio: 8.28%. 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 Bay Minette, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay Minette 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 Bay Minette, Alabama
Market share is the lender's share of all home loans closed in Bay Minette, 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 |
|---|---|---|---|---|---|---|
|
1 office in Bay Minette 408 Courthouse Sq, Bay Minette, AL 36507 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, VA, USDA, HELOC | 18 +7 HELOCs |
6.3% | 88% | $201,111 | View |
|
1 office in Bay Minette 211b E 1st St, Bay Minette, AL 36507 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
1% | 100% | $325,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Bay Minette 511 Dolive St, Bay Minette, AL 36507 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +10 HELOCs |
0% | 0% | View | |
|
111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
3.1% | 100% | $346,111 | View |
|
615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 7 | 2.4% | 77.8% | $177,857 | View |
|
615 Mcmeans Ave, Bay Minette, AL 36507 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 6 | 2.1% | 66.7% | $135,000 | View |
|
286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 5 +2 HELOCs |
1.7% | 100% | $321,000 | View |
|
3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 3 +3 HELOCs |
1% | 100% | $421,666 | View |
First Nation Bank and Trust
104 Lindberg Ave, Atmore, AL 36502 |
Conventional | 3 | 1% | 100% | $158,333 | |
|
2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
Conventional, FHA | 3 | 1% | 100% | $315,000 | View |
|
★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 2 | 0.7% | 100% | $635,000 | View |
|
5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, USDA | 2 | 0.7% | 100% | $310,000 | View |
|
1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
FHA, HELOC | 1 +2 HELOCs |
0.3% | 100% | $185,000 | View |
|
813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $5,000 | View |
|
★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $145,000 | View |
|
185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
|
7146 Stone Dr, Daphne, AL 36526 4825 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
|
2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
|
861 Edwards Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
|
112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
|
5976 US Highway 431, Albertville, AL 35950 2008 A+5.0 ★Texas Ratio: 1.16% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
|
312 1st Street North, Clanton, AL 35045 C3.8 ★Texas Ratio: 23.16% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
|
925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
|
351 24th St N, Birmingham, AL 35203 3836 A+5.0 ★Texas Ratio: 5.72% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
|
1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
VA | 1 | 0.3% | 100% | $275,000 | View |
|
475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Hamilton Mortgage Corporation
|
Conventional, FHA | 2 | 0.7% | 100% | $135,000 | |
Tjc Mortgage Inc
|
Conventional | 1 | 0.3% | 100% | $255,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 34 | 11.9% | 76.6% | $193,235 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo | 12 | 4.2% | 86.7% | $345,833 | |
Kind Lending, LLC
|
Conventional, FHA, VA, USDA | 10 | 3.5% | 71.4% | $299,000 | |
|
A+5.0 ★Texas Ratio: 0.96% |
Conventional, FHA, HELOC | 7 +7 HELOCs |
2.4% | 87.5% | $137,857 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 7 | 2.4% | 77.8% | $182,142 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
2.1% | 66.7% | $238,333 | |
Guild Mortgage Company
|
Conventional, FHA | 6 | 2.1% | 100% | $150,000 | |
Nationstar Mortgage
|
Conventional, VA | 5 | 1.7% | 83.3% | $149,000 | |
Mortgage Research Center
|
VA | 5 | 1.7% | 100% | $239,000 | |
New American Funding, LLC.
|
Conventional, FHA | 5 | 1.7% | 83.3% | $193,000 | |
PenAir Credit Union
|
Conventional, HELOC | 4 +3 HELOCs |
1.4% | 66.7% | $357,500 | |
Cadence Bank
|
Conventional, FHA, HELOC | 4 +2 HELOCs |
1.4% | 66.7% | $322,500 | |
Equity Prime Mortgage LLC
|
FHA, VA, USDA | 4 | 1.4% | 80% | $215,000 | |
Amerisave Mortgage Company
|
Conventional, FHA | 4 | 1.4% | 50% | $90,000 | |
Click n' Close, Inc.
|
Conventional, FHA | 4 | 1.4% | 100% | $202,500 | |
Planet Home Lending, LLC
|
Conventional, FHA | 4 | 1.4% | 80% | $285,000 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 4 | 1.4% | 100% | $140,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA | 4 | 1.4% | 100% | $235,000 | |
Newrez LLC
|
Conventional, VA | 3 | 1% | 100% | $98,333 | |
|
A+5.0 ★Texas Ratio: 1.51% |
Conventional | 3 | 1% | 73.3% | $131,666 | View |
Pennymac Loan Services LLC
|
Conventional, FHA | 3 | 1% | 75% | $258,333 | |
New Day Financial, LLC.
|
VA | 3 | 1% | 60% | $291,666 | |
Nations Direct Mortgage, LLC
|
Conventional, FHA | 3 | 1% | 100% | $281,666 | |
Gmfs, LLC
|
Conventional | 3 | 1% | 100% | $348,333 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 3 | 1% | 14.3% | $135,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $45,000 | |
|
A4.6 ★Texas Ratio: 2.08% |
FHA | 2 | 0.7% | 100% | $250,000 | View |
CrossCountry Mortgage, LLC
|
FHA, VA | 2 | 0.7% | 100% | $220,000 | |
loanDepot.com LLC
|
Conventional | 2 | 0.7% | 40% | $145,000 | |
AdvantageFirst Lending Inc
|
VA | 2 | 0.7% | 100% | $225,000 | |
Cmg Mortgage Inc
|
Conventional, VA | 2 | 0.7% | 100% | $355,000 | |
SIRVA Mortgage, Inc.
|
Conventional, VA | 2 | 0.7% | 100% | $385,000 | |
First Colony Mortgage Corporat
|
Conventional, FHA | 2 | 0.7% | 100% | $315,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 100% | $395,000 | View |
Stockton Mortgage Corporation
|
FHA | 2 | 0.7% | 66.7% | $270,000 | |
21St Mortgage
|
Conventional | 2 | 0.7% | 20% | $110,000 | |
Hometrust Mortgage Company
|
Conventional, USDA | 2 | 0.7% | 66.7% | $235,000 | |
Village Capital & Investment
|
FHA, VA | 2 | 0.7% | 100% | $365,000 | |
Valon Mortgage
|
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $265,000 | |
Chevron Federal Credit Union
|
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $345,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
|
FHA | 1 | 0.3% | 100% | $235,000 | |
American Financial Resources LLC
|
VA | 1 | 0.3% | 100% | $515,000 | |
Everett Financial, Inc.
|
Conventional | 1 | 0.3% | 100% | $215,000 | |
Canopy Mortgage, LLC
|
USDA | 1 | 0.3% | 100% | $295,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.3% | 100% | $365,000 | |
MortgageOne, Inc
|
FHA | 1 | 0.3% | 100% | $245,000 | |
Norwich Commercial Group Inc
|
Conventional | 1 | 0.3% | 100% | $625,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $145,000 | |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
Discover Bank
|
Conventional | 1 | 0.3% | 100% | $45,000 | |
Navigator Credit Union
|
Conventional | 1 | 0.3% | 100% | $75,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.3% | 100% | $535,000 | View |
Union Home Mortgage Corp.
|
FHA | 1 | 0.3% | 100% | $255,000 | |
Cardinal Financial Company, Li
|
Conventional | 1 | 0.3% | 33.3% | $305,000 | |
Encompass Lending Group, L.P.
|
VA | 1 | 0.3% | 100% | $795,000 | |
Nations Lending Corporation
|
FHA | 1 | 0.3% | 100% | $215,000 | |
Sente Mortgage, Inc.
|
USDA | 1 | 0.3% | 100% | $155,000 | |
Prosperity Home Mortgage, LLC
|
VA | 1 | 0.3% | 100% | $185,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.3% | 100% | $195,000 | |
Lower, LLC
|
FHA | 1 | 0.3% | 100% | $185,000 | |
|
A-5.0 ★Texas Ratio: 14.97% |
USDA | 1 | 0.3% | 100% | $305,000 | View |
Compass Mortgage, Inc.
|
Conventional | 1 | 0.3% | 100% | $225,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $745,000 | View |
Fairway Independent Mort Corp
|
Conventional | 1 | 0.3% | 100% | $325,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 50% | $225,000 | View |
Paramount Residential Mortgage
|
FHA | 1 | 0.3% | 100% | $245,000 | |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.3% | 25% | $235,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.3% | 100% | $375,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Loan Simple, Inc.
|
FHA | 1 | 0.3% | 100% | $255,000 | |
Plaza Home Mortgage, Inc
|
VA | 1 | 0.3% | 50% | $205,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Nrl Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Keesler Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Bay Minette 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 Bay Minette, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Bay Minette? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay Minette in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay Minette, AL
Use these to narrow the list above. Each category shows how many Bay Minette, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Bay Minette, AL
Independent mortgage companies closed 62.9 percent of home loans in Bay Minette, Alabama in 2025, banks 28.7 percent and credit unions 8.4 percent. Hamilton Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and New Horizons Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 18 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 Bay Minette, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Bay Minette, Alabama with 18 loans, about 6.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in Bay Minette, Alabama in 2025, led by Rocket Mortgage with 6. 24 lenders closed VA loans, led by Rocket Mortgage, and 8 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. 33 banks and 13 credit unions closed home loans in Bay Minette, Alabama in 2025, alongside 63 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 Bay Minette, 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 Bay Minette, 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 Bay Minette. 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.
