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Mortgage Lenders and Brokers in Birmingham, Alabama

Content reviewed by

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

Birmingham, Alabama mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association600 Luckie Dr, Birmingham, AL 35223A+5.0 ★Texas Ratio: 2.27%, Regions BankRegions Bank9178 Parkway E, Birmingham, AL 35206A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank1 Chase Corporate Dr, Birmingham, AL 35244A+5.0 ★Texas Ratio: 2.40%, Renasant BankRenasant Bank107 Inverness Cors, Birmingham, AL 35242A+5.0 ★Texas Ratio: 4.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4651 Highway 280, Birmingham, AL 35242A+5.0 ★Texas Ratio: 3.68%, FirstbankFirstbank404 Hollywood Blvd, Birmingham, AL 35209A5.0 ★Texas Ratio: 7.51%, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1400 20th St S, Birmingham, AL 35205 4914A5.0 ★Texas Ratio: 7.13%, Wells Fargo Bank NAWells Fargo Bank NA401 19th St N, Birmingham, AL 35203A+5.0 ★Texas Ratio: 5.36%, Southpoint BankSouthpoint Bank8000 Liberty Pkwy, Birmingham, AL 35242F2.8 ★Texas Ratio: 41.33%, and First Horizon BankFirst Horizon Bank2340 Woodcrest Pl, Birmingham, AL 35209A+5.0 ★Texas Ratio: 5.76%. 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 Birmingham, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Birmingham 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 Birmingham, Alabama

Market share is the lender's share of all home loans closed in Birmingham, 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
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Birmingham 600 Luckie Dr, Birmingham, AL 35223 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	107 +3 HELOCs	6.1%	71.9%	$113,411	View
Regions Bank 27 offices in Birmingham 9178 Parkway E, Birmingham, AL 35206 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	104 +86 HELOCs	5.9%	44.9%	$167,019	View
Trustmark Bank 3 offices in Birmingham 1 Chase Corporate Dr, Birmingham, AL 35244 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, Jumbo, HELOC	64 +4 HELOCs	3.6%	90.4%	$308,906	View
Renasant Bank 2 offices in Birmingham 107 Inverness Cors, Birmingham, AL 35242 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, VA, Jumbo, HELOC	54 +6 HELOCs	3.1%	96.4%	$248,703	View
JPMorgan Chase Bank, NA 4 offices in Birmingham 4651 Highway 280, Birmingham, AL 35242 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	39 +3 HELOCs	2.2%	93%	$190,128	View
Firstbank 3 offices in Birmingham 404 Hollywood Blvd, Birmingham, AL 35209 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, HELOC	26 +3 HELOCs	1.5%	92.9%	$203,461	View
Legacy Community Federal Credit Union 1400 20th St S, Birmingham, AL 35205 4914 A5.0 ★Texas Ratio: 7.13%	Conventional, Jumbo	22	1.2%	76.3%	$234,545	View
Wells Fargo Bank NA 12 offices in Birmingham 401 19th St N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, Jumbo	21	1.2%	60%	$173,095	View
Southpoint Bank 8000 Liberty Pkwy, Birmingham, AL 35242 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA	17	1%	94.4%	$160,882	View
First Horizon Bank ★ 5 stars, 1 review 5 offices in Birmingham 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76%	Conventional, FHA, Jumbo, HELOC	16 +1 HELOCs	0.9%	80%	$192,500	View
Servisfirst Bank 2 offices in Birmingham 2500 Woodcrest Pl, Birmingham, AL 35209 A5.0 ★Texas Ratio: 8.75%	Conventional, HELOC	11 +6 HELOCs	0.6%	78.6%	$273,181	View
eCO Credit Union 105 Frankfurt Cir, Birmingham, AL 35211 6978 A+5.0 ★Texas Ratio: 3.69%	Conventional, HELOC	8 +4 HELOCs	0.5%	100%	$70,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 13 offices in Birmingham 1151 Bankhead Hwy W, Birmingham, AL 35204 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, VA, HELOC	7 +51 HELOCs	0.4%	87.5%	$185,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Birmingham 629 Red Lane Rd, Birmingham, AL 35215 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, HELOC	7 +5 HELOCs	0.4%	77.8%	$202,142	View
United Community Bank 2 offices in Birmingham 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	Conventional, FHA, HELOC	6 +2 HELOCs	0.3%	85.7%	$168,333	View
Liberty Mortgage Corporation 305 N Broad St, Albertville, AL 35950	Conventional, FHA	5	0.3%	100%	$371,000
Pinnacle Bank 5 offices in Birmingham 205 20th Street North, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 3.04%	Conventional, Jumbo	4	0.2%	100%	$610,000	View
Southern Energy Credit Union 750 17th St N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.41%	Conventional, HELOC	3 +17 HELOCs	0.2%	100%	$255,000	View
Acipco Federal Credit Union 1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89%	Conventional	3	0.2%	100%	$105,000	View
Alabama Central Credit Union 3601 4th Ave S, Birmingham, AL 35222 A+5.0 ★Texas Ratio: 2.87%	Conventional	3	0.2%	60%	$161,666	View
Valley National Bank 3 offices in Birmingham 1100 Corporate Pkwy, Birmingham, AL 35242 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	2 +4 HELOCs	0.1%	100%	$195,000	View
Bryant Bank 3 offices in Birmingham 117 Euclid Ave, Birmingham, AL 35213 A+5.0 ★Texas Ratio: 2.46%	Conventional, HELOC	2 +3 HELOCs	0.1%	66.7%	$360,000	View
Community Bank of Mississippi 1 office in Birmingham 813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09%	Conventional, FHA, HELOC	2 +1 HELOCs	0.1%	100%	$185,000	View
Peoples Bank of Alabama 1 office in Birmingham 1800 International Park Dr Ste 190, Birmingham, AL 35243 A+5.0 ★Texas Ratio: 3.77%	Conventional	2	0.1%	100%	$190,000	View
Smartbank 1 office in Birmingham 101 Office Park Dr, Birmingham, AL 35223 A+5.0 ★Texas Ratio: 1.74%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,005,000	View
Commerceonebank 17 20th St N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$305,000	View
America'S First Federal CU	Conventional, HELOC	9 +96 HELOCs	0.5%	90%	$161,666
Tjc Mortgage Inc	Conventional, FHA	9	0.5%	100%	$161,666
Hamilton Mortgage Corporation	Conventional, FHA	4	0.2%	100%	$80,000
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA, VA	13	0.7%	86.7%	$271,923	View
EvaBank 2915 Clairmont Ave S, Birmingham, AL 35205 A5.0 ★Texas Ratio: 6.16%	Conventional	8	0.5%	64.3%	$143,750	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	7 +44 HELOCs	0.4%	91.7%	$257,857	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional, Jumbo, HELOC	4 +5 HELOCs	0.2%	100%	$455,000	View
Central State Bank 6801 Cahaba Valley Road, Birmingham, AL 35242 A+5.0 ★Texas Ratio: 1.93%	Conventional	4	0.2%	100%	$225,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA, VA	3	0.2%	75%	$168,333	View
AlaTrust Credit Union 1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56%	Conventional, HELOC	2 +4 HELOCs	0.1%	33.3%	$285,000	View
Jefferson Credit Union 716 Richard Arrington Jr Blvd N, Birmingham, AL 35203 A5.0 ★Texas Ratio: 6.14%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$95,000	View
Max Credit Union 336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$370,000	View
Redstone Federal Credit Union 1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$275,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41%	Conventional	2	0.1%	100%	$215,000	View
West Alabama Bank & Trust 200 Office Park Dr, Birmingham, AL 35223 A5.0 ★Texas Ratio: 7.03%	Conventional	2	0.1%	100%	$155,000	View
First Bank of Alabama 1100 Quintard Ave, Anniston, AL 36201 C+4.0 ★Texas Ratio: 26.59%	Conventional	2	0.1%	100%	$275,000	View
CB&S Bank 728 Shades Creek Pkwy, Birmingham, AL 35209 C3.6 ★Texas Ratio: 21.51%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$355,000	View
BankFirst Financial Services 2100 Southbridge Office Bldg, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.1%	100%	$225,000	View
Alabama State Employees CU 1400 Woodfin Ln Ste D, Clanton, AL 35045 8746 A+5.0 ★Texas Ratio: 1.25%	Conventional	1	0.1%	100%	$45,000	View
Peoples Independent Bank 121 Billy B Dyar Boulevard, Boaz, AL 35957 A+5.0 ★Texas Ratio: 1.40%	Conventional	1	0.1%	100%	$115,000	View
BankSouth 100 N Court Sq, Abbeville, AL 36310 A5.0 ★Texas Ratio: 6.18%	Conventional	1	0.1%	100%	$355,000	View
Robertson Banking Company 1801 5th Ave N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$145,000	View
Valley Credit Union 180 MAIN ST, CHEROKEE, AL 35616 A5.0 ★Texas Ratio: 8.00%	Conventional	1	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	1	0.1%	100%	$125,000	View
WinSouth Credit Union 3512 US Highway 431, ALBERTVILLE, AL 35950 0204 A+5.0 ★Texas Ratio: 3.81%	Conventional	1	0.1%	100%	$265,000	View
Alabama Credit Union 351 24th St N, Birmingham, AL 35203 3836 A+5.0 ★Texas Ratio: 5.72%	Conventional	1	0.1%	50%	$185,000	View
The HomeTown Bank of Alabama 18045 State Highway 160, Cleveland, AL 35049	Conventional	1	0.1%	50%	$125,000
United Bank 164 Lindbert Avenue, Atmore, AL 36502 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$135,000	View
Metro Bank 35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61%	Conventional	1	0.1%	100%	$405,000	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional	1	0.1%	100%	$405,000	View
Bank Independent 22015 Us Highway 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 1.45%	Conventional	1	0.1%	100%	$375,000	View
All In Credit Union 609 Ozark Rd, Abbeville, AL 36310	HELOC	0 +1 HELOCs	0%	100%
Fifth Third Bank, National Association 9064 Memorial Pkwy Sw, Huntsville, AL 35802 A+5.0 ★Texas Ratio: 3.22%	HELOC	0 +1 HELOCs	0%	n/a		View
Consumer First Mortgage, Inc.	Conventional, FHA, VA	5	0.3%	100%	$193,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	125	7.1%	65.2%	$152,680
Fairway Independent Mort Corp	Conventional, FHA, HELOC	91 +1 HELOCs	5.2%	93.8%	$235,549
Cadence Bank	Conventional, FHA, VA, Jumbo, HELOC	85 +16 HELOCs	4.8%	94.5%	$326,058
United Wholesale Mortgage	Conventional, FHA, VA	82	4.7%	84.2%	$238,536
Guild Mortgage Company	Conventional, FHA, VA	36	2%	93.2%	$300,833
New American Funding, LLC.	Conventional, FHA, VA, HELOC	31 +1 HELOCs	1.8%	62%	$124,677
Mortgage Research Center	Conventional, FHA, VA	31	1.8%	65.3%	$181,774
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	31	1.8%	96.9%	$244,032
Union Home Mortgage Corp.	Conventional, FHA	30	1.7%	90.9%	$262,666
Movement Mortgage, LLC	Conventional, FHA, VA	24	1.4%	91.2%	$164,583
Peoples Mortgage Company	Conventional	24	1.4%	96%	$72,500
Synovus Bank	Conventional, FHA, VA, HELOC	22 +13 HELOCs	1.2%	82.1%	$184,545
loanDepot.com LLC	Conventional, FHA, VA, HELOC	21 +3 HELOCs	1.2%	38.9%	$112,142
Pennymac Loan Services LLC	Conventional, FHA, VA	20	1.1%	76.9%	$205,500
Nationstar Mortgage	Conventional, FHA, VA	19	1.1%	66.7%	$146,578
Freedom Mortgage Corporation	FHA, VA	17	1%	68.8%	$177,352
Newrez LLC	Conventional, FHA, VA	16	0.9%	39.5%	$163,750
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	15 +4 HELOCs	0.9%	68.2%	$201,666
CrossCountry Mortgage, LLC	Conventional, FHA, VA	15	0.9%	93.8%	$202,333
Amerisave Mortgage Company	Conventional, FHA	15	0.9%	17.2%	$84,333
Assurance Financial Group, L.L.C.	Conventional, FHA	14	0.8%	82.4%	$212,857
Hope Federal Credit Union A+5.0 ★Texas Ratio: 4.07%	Conventional	14	0.8%	58.3%	$92,142	View
The Loan Store, Inc	Conventional, FHA, VA, HELOC	12 +1 HELOCs	0.7%	100%	$196,666
Canopy Mortgage, LLC	Conventional, FHA, VA	12	0.7%	100%	$124,166
New Day Financial, LLC.	VA	12	0.7%	46.4%	$142,500
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	11 +2 HELOCs	0.6%	100%	$277,727	View
Stockton Mortgage Corporation	Conventional, FHA, VA	10	0.6%	66.7%	$245,000
FirstTrust Home Loans	Conventional	9	0.5%	100%	$55,000
Click n' Close, Inc.	Conventional, FHA	9	0.5%	100%	$97,222
Carrington Mortgage Services LLC	Conventional, FHA, VA	9	0.5%	43.5%	$102,777
Hunt Mortgage Corporation	Conventional, FHA	8	0.5%	100%	$295,000
Goodleap, LLC	Conventional, FHA, VA, HELOC	7 +13 HELOCs	0.4%	47.1%	$126,428
Everett Financial, Inc.	Conventional, FHA	7	0.4%	100%	$156,428
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	7	0.4%	77.8%	$136,428	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	7	0.4%	70%	$125,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	7	0.4%	100%	$343,571	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	6	0.3%	100%	$391,666	View
Zillow Home Loans, LLC	Conventional, FHA	6	0.3%	100%	$148,333
Leaderone Financial Corp.	Conventional, FHA	6	0.3%	60%	$155,000
Royal United Mortgage LLC	Conventional	5	0.3%	66.7%	$81,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	5	0.3%	62.5%	$177,000
PHH Mortgage Corporation	Conventional, FHA	5	0.3%	55.6%	$147,000
The Local Lender, LLC	Conventional	5	0.3%	100%	$181,000
Better Mortgage Corporation	Conventional	5	0.3%	83.3%	$263,000
Plaza Home Mortgage, Inc	Conventional, FHA	5	0.3%	50%	$205,000
Premier Mortgage Resources, LLC	Conventional, FHA	4	0.2%	100%	$135,000
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional, FHA	4	0.2%	100%	$257,500	View
Filo Mortgage, LLC	Conventional	4	0.2%	80%	$355,000
AdvantageFirst Lending Inc	Conventional, FHA, VA	4	0.2%	57.1%	$332,500
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	4	0.2%	66.7%	$195,000	View
Atlantic Bay Mortgage Group	Conventional, FHA	4	0.2%	100%	$130,000
American Pacific Mortgage Corporation	Conventional, FHA	4	0.2%	80%	$407,500
Mutual of Omaha Mortgage	Conventional, FHA	4	0.2%	44.4%	$167,500
Lower, LLC	Conventional, VA	4	0.2%	80%	$230,000
Cornerstone First Mortgage, LLC	Conventional, FHA, VA	3	0.2%	100%	$231,666
American Financial Resources LLC	Conventional, FHA	3	0.2%	60%	$231,666
Guaranteed Rate, Inc.	Conventional, VA	3	0.2%	44.4%	$185,000
Sage Home Loans Corporation	Conventional	3	0.2%	75%	$408,333
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.2%	100%	$251,666
Southern Bancorp Bank A5.0 ★Texas Ratio: 8.01%	Conventional, FHA	3	0.2%	100%	$178,333	View
Success Mortgage Partners, Inc	Conventional, FHA	3	0.2%	100%	$125,000
ClearPath Lending	VA	3	0.2%	100%	$188,333
First Colony Mortgage Corporat	Conventional	3	0.2%	80%	$215,000
Planet Home Lending, LLC	Conventional, FHA	3	0.2%	60%	$145,000
The Mortgage Firm	Conventional, FHA	3	0.2%	75%	$231,666
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	3	0.2%	100%	$341,666	View
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	3	0.2%	100%	$171,666	View
Gmfs, LLC	Conventional, FHA	3	0.2%	100%	$368,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	3	0.2%	100%	$418,333	View
DHI Mortgage Company, LTD.	Conventional, FHA	3	0.2%	75%	$111,666
Village Capital & Investment	FHA, VA	3	0.2%	60%	$251,666
HomeBridge Financial Services, Inc	VA, HELOC	2 +4 HELOCs	0.1%	100%	$185,000
Pentagon Federal Credit Union	Conventional, HELOC	2 +2 HELOCs	0.1%	66.7%	$160,000
Cmg Mortgage Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$175,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	2	0.1%	42.9%	$145,000	View
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	2	0.1%	100%	$350,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional, FHA	2	0.1%	100%	$100,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.1%	21.1%	$215,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	2	0.1%	100%	$465,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	2	0.1%	66.7%	$335,000	View
American Financial Network, Inc.	FHA	2	0.1%	40%	$165,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	FHA, VA	2	0.1%	100%	$215,000	View
Mortgage Financial Services	Conventional, FHA	2	0.1%	100%	$120,000
Flat Branch Mortgage, Inc.	Conventional	2	0.1%	100%	$295,000
Nfm, Inc	Conventional, FHA	2	0.1%	100%	$225,000
Cardinal Financial Company, Li	Conventional, FHA	2	0.1%	50%	$250,000
Premier Lending Inc.	Conventional, FHA	2	0.1%	100%	$70,000
Churchill Mortgage Corporation	Conventional	2	0.1%	100%	$280,000
BoxCar Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$195,000
Milend, Inc	FHA	2	0.1%	75%	$150,000
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	2	0.1%	66.7%	$300,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	22.2%	$85,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.1%	100%	$190,000
Southwest Funding LP	Conventional, FHA	2	0.1%	100%	$110,000
Tomo Mortgage LLC	Conventional	2	0.1%	100%	$525,000
Spring Eq, LLC	Conventional, HELOC	1 +2 HELOCs	0.1%	12.5%	$125,000
Kind Lending, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	25%	$175,000
Interlinc Mortgage Services, LLC	Conventional	1	0.1%	100%	$285,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$335,000	View
Consumer Real Estate Finance Co DBA Society Mortgage	FHA	1	0.1%	100%	$155,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$85,000
Residential Wholesale Mortgage	Conventional	1	0.1%	100%	$265,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$245,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	50%	$145,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$325,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$155,000
Loanunited.Com, LLC	FHA	1	0.1%	100%	$65,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	1	0.1%	100%	$465,000	View
Granite Bank A5.0 ★Texas Ratio: 13.85%	FHA	1	0.1%	100%	$305,000	View
Usalliance Federal Credit Union	Conventional	1	0.1%	100%	$75,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$155,000
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional	1	0.1%	100%	$255,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$295,000	View
Fortera Federal Credit Union	Conventional	1	0.1%	100%	$95,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$215,000
Altura Credit Union	Conventional	1	0.1%	100%	$75,000
Network Funding, L.P.	Conventional	1	0.1%	100%	$65,000
Bay Equity LLC	Conventional	1	0.1%	100%	$105,000
Greenbox Loans	Conventional	1	0.1%	100%	$75,000
Thomasville National Bank	Conventional	1	0.1%	100%	$405,000
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$145,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	FHA	1	0.1%	100%	$255,000	View
Baxter Credit Union	Conventional	1	0.1%	100%	$25,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$245,000	View
Gulf Winds Credit Union	Conventional	1	0.1%	100%	$285,000
V.I.P. Mortgage, Inc.	FHA	1	0.1%	100%	$395,000
Legacy Home Loans, LLC	Conventional	1	0.1%	100%	$305,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$275,000
Keystone Funding, Inc	Conventional	1	0.1%	100%	$425,000
Nations Direct Mortgage, LLC	Conventional	1	0.1%	100%	$155,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	VA	1	0.1%	100%	$365,000	View
RiverHills Bank A+5.0 ★Texas Ratio: 3.03%	Conventional	1	0.1%	100%	$265,000	View
Paramount Residential Mortgage	FHA	1	0.1%	100%	$135,000
Geneva Financial LLC	Conventional	1	0.1%	100%	$75,000
My Move Mortgage, LLC	Conventional	1	0.1%	100%	$125,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$395,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +17 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +13 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%	0%		View
South Central Bank Inc A+5.0 ★Texas Ratio: 2.83%	HELOC	0 +1 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Ithink Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	HELOC	0 +1 HELOCs	0%	n/a		View
WSFS bank A+5.0 ★Texas Ratio: 3.10%	HELOC	0 +1 HELOCs	0%	n/a		View

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.

Birmingham 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 Birmingham, Alabama

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

Types of Mortgage Lenders in Birmingham, AL

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

Mortgage companies and brokers 106 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 73 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 27 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 89 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 41 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 13 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 42 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Birmingham, AL

Independent mortgage companies closed 52.8 percent of home loans in Birmingham, Alabama in 2025, banks 41.3 percent and credit unions 6 percent. Liberty Mortgage Corporation was the largest mortgage company, Southstate Bank, National Association the largest bank and Legacy Community Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 104 loans.

52.8%

Mortgage companies

41.3%

Banks

Credit unions

19%

FHA loans

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

All Alabama lenders 790 lenders Huntsville 310 lenders Mobile 230 lenders Montgomery 208 lenders Hoover 215 lenders Tuscaloosa 212 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders Decatur 153 lenders

Frequently Asked Questions About Mortgage Lenders in Birmingham, AL

Who is the largest mortgage lender in Birmingham, AL?

By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Birmingham, Alabama with 107 loans, about 6.1 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 104 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Birmingham, Alabama, Renasant Bank approved the highest share of completed applications in 2025 at 96.4 percent, against a 71.7 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 Birmingham, AL mortgage lenders offer FHA, VA and USDA loans?

89 lenders closed FHA loans in Birmingham, Alabama in 2025, led by Rocket Mortgage with 33. 41 lenders closed VA loans, led by Mortgage Research Center. 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 Birmingham, AL lender list?

Yes. 73 banks and 27 credit unions closed home loans in Birmingham, Alabama in 2025, alongside 106 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 Birmingham, AL ranked on this page?

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