Mortgage Lenders and Brokers in Bear Creek, 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
Bear Creek, Alabama mortgage lenders include First National BankFirst National Bank31900 1st Ave Nw, Carbon Hill, AL 35549, BankFirst Financial ServicesBankFirst Financial Services309 Main St, Bear Creek, AL 35543A+5.0 ★Texas Ratio: 3.47%, Peoplestrust BankPeoplestrust Bank1131 Wills Ave, Florence, AL 35630A+5.0 ★Texas Ratio: 3.80%, Listerhill Credit UnionListerhill Credit Union22223 US 72, Athens, AL 35613A+5.0 ★Texas Ratio: 3.96%, EvaBankEvaBank1001 N Brindlee Mountain Pkwy, Arab, AL 35016A5.0 ★Texas Ratio: 6.16%, Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL 35222A+5.0 ★Texas Ratio: 2.87%, First Metro BankFirst Metro Bank309 W Washington St, Athens, AL 35611A+5.0 ★Texas Ratio: 1.01%, Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%, CB&S BankCB&S Bank1901 E Glenn Ave, Auburn, AL 36830C3.6 ★Texas Ratio: 21.51%, and Triad Financial Services, Inc.Triad Financial Services, Inc.A+5.0 ★Texas Ratio: 1.51%. 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 Bear Creek, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bear Creek 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 Bear Creek, Alabama
Market share is the lender's share of all home loans closed in Bear Creek, 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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First National Bank
31900 1st Ave Nw, Carbon Hill, AL 35549 |
Conventional | 9 | 19.6% | 100% | $61,666 | |
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309 Main St, Bear Creek, AL 35543 A+5.0 ★Texas Ratio: 3.47% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
10.9% | 62.5% | $69,000 | View |
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1131 Wills Ave, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.80% |
Conventional | 5 | 10.9% | 100% | $63,000 | View |
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22223 US 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 2 | 4.3% | 100% | $180,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 2 | 4.3% | 100% | $80,000 | View |
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3601 4th Ave S, Birmingham, AL 35222 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 2.2% | 100% | $555,000 | View |
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309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 2.2% | 100% | $45,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 2.2% | 100% | $305,000 | View |
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1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 5 | 10.9% | 75% | $175,000 | View |
United Wholesale Mortgage
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FHA, USDA | 3 | 6.5% | 60% | $155,000 | |
21St Mortgage
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Conventional | 2 | 4.3% | 22.2% | $135,000 | |
Rocket Mortgage
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VA | 1 | 2.2% | 50% | $345,000 | |
Amerisave Mortgage Company
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FHA | 1 | 2.2% | 100% | $65,000 | |
Guild Mortgage Company
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VA | 1 | 2.2% | 50% | $175,000 | |
Success Mortgage Partners, Inc
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VA | 1 | 2.2% | 100% | $215,000 | |
Stockton Mortgage Corporation
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FHA | 1 | 2.2% | 100% | $195,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 2.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
FHA | 1 | 2.2% | 100% | $135,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 2.2% | 100% | $365,000 | |
Paramount Residential Mortgage
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USDA | 1 | 2.2% | 100% | $135,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 2.2% | 20% | $85,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Atlanta Postal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bear Creek 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 Bear Creek, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Bear Creek? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bear Creek in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bear Creek, AL
Use these to narrow the list above. Each category shows how many Bear Creek, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Bear Creek, AL
Independent mortgage companies closed 41.3 percent of home loans in Bear Creek, Alabama in 2025, banks 50 percent and credit unions 8.7 percent. Triad Financial Services, Inc. was the largest mortgage company, First National Bank the largest bank and Listerhill Credit Union the largest credit union. Among lenders headquartered in Alabama, First National Bank led with 9 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 Bear Creek, AL
By home loans closed in 2025, First National Bank was the largest mortgage lender in Bear Creek, Alabama with 9 loans, about 19.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Bear Creek, Alabama in 2025, led by United Wholesale Mortgage with 2. 4 lenders closed VA loans, led by Rocket Mortgage, and 2 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. 7 banks and 4 credit unions closed home loans in Bear Creek, Alabama in 2025, alongside 14 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 Bear Creek, 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 Bear Creek, 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 Bear Creek. 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.
