Mortgage Lenders and Brokers in Billingsley, 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
Billingsley, Alabama mortgage lenders include Guardian Credit UnionGuardian Credit Union1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431A+5.0 ★Texas Ratio: 5.47%, First Community Bank of Central AlabamaFirst Community Bank of Central Alabama1875 Kowaliga Rd, Eclectic, AL 36024A4.6 ★Texas Ratio: 2.08%, 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%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, Alabama State Employees CUAlabama State Employees CU1400 Woodfin Ln Ste D, Clanton, AL 35045 8746A+5.0 ★Texas Ratio: 1.25%, AmeriFirst BankAmeriFirst Bank2694 Hilton Garden Drive, Auburn, AL 36830A+5.0 ★Texas Ratio: 5.61%, and Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%. 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 Billingsley, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Billingsley 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 Billingsley, Alabama
Market share is the lender's share of all home loans closed in Billingsley, 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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1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47% |
Conventional | 4 | 8.7% | 57.1% | $252,500 | View |
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1875 Kowaliga Rd, Eclectic, AL 36024 A4.6 ★Texas Ratio: 2.08% |
Conventional | 2 | 4.3% | 100% | $75,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 2 | 4.3% | 100% | $255,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional | 2 | 4.3% | 50% | $95,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 1 +2 HELOCs |
2.2% | 100% | $115,000 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 2.2% | 100% | $55,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
VA | 1 | 2.2% | 100% | $425,000 | View |
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1400 Woodfin Ln Ste D, Clanton, AL 35045 8746 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 2.2% | 100% | $115,000 | View |
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2694 Hilton Garden Drive, Auburn, AL 36830 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 2.2% | 100% | $245,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional, Jumbo | 1 | 2.2% | 100% | $1,595,000 | View |
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336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
21St Mortgage
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Conventional | 3 | 6.5% | 27.3% | $141,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 6.5% | 27.3% | $135,000 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 4.3% | 100% | $170,000 | |
Rocket Mortgage
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Conventional, FHA | 2 | 4.3% | 100% | $115,000 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 4.3% | 100% | $255,000 | |
Newrez LLC
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Conventional, USDA | 2 | 4.3% | 100% | $100,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 4.3% | 100% | $350,000 | |
Everett Financial, Inc.
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FHA | 1 | 2.2% | 100% | $215,000 | |
loanDepot.com LLC
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FHA | 1 | 2.2% | 100% | $75,000 | |
Pennymac Loan Services LLC
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VA | 1 | 2.2% | 100% | $405,000 | |
Amerisave Mortgage Company
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FHA | 1 | 2.2% | 25% | $135,000 | |
Guild Mortgage Company
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Conventional | 1 | 2.2% | 33.3% | $55,000 | |
Discover Bank
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Conventional | 1 | 2.2% | 100% | $75,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 2.2% | 100% | $125,000 | |
Land Home Financial Services,
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Conventional | 1 | 2.2% | 100% | $95,000 | |
Planet Home Lending, LLC
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FHA | 1 | 2.2% | 100% | $275,000 | |
Nationstar Mortgage
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FHA | 1 | 2.2% | 50% | $125,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 2.2% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 2.2% | 50% | $115,000 | View |
Loan Simple, Inc.
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FHA | 1 | 2.2% | 100% | $205,000 | |
Southwest Funding LP
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FHA | 1 | 2.2% | 100% | $205,000 |
Billingsley 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 Billingsley, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Billingsley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Billingsley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Billingsley, AL
Use these to narrow the list above. Each category shows how many Billingsley, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Billingsley, AL
Independent mortgage companies closed 60.9 percent of home loans in Billingsley, Alabama in 2025, banks 28.3 percent and credit unions 10.9 percent. 21St Mortgage was the largest mortgage company, First Community Bank of Central Alabama the largest bank and Guardian Credit Union the largest credit union. Among lenders headquartered in Alabama, Guardian Credit Union led with 4 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 Billingsley, AL
By home loans closed in 2025, Guardian Credit Union was the largest mortgage lender in Billingsley, Alabama with 4 loans, about 8.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Billingsley, Alabama in 2025, led by Rocket Mortgage with 1. 4 lenders closed VA loans, led by Renasant Bank, and 1 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. 12 banks and 3 credit unions closed home loans in Billingsley, Alabama in 2025, alongside 19 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 Billingsley, 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 Billingsley, 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 Billingsley. 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.
