Mortgage Lenders and Brokers in Chelsea, 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
Chelsea, Alabama mortgage lenders include Regions BankRegions Bank16046 Highway 280, Chelsea, AL 35043A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank16863 Highway 280, Chelsea, AL 35043A+5.0 ★Texas Ratio: 4.72%, Southpoint BankSouthpoint Bank1096 N Brindlee Mountain Pkwy, Arab, AL 35016F2.8 ★Texas Ratio: 41.33%, Avadian Credit UnionAvadian Credit Union15660 Highway 280, Chelsea, AL 35043A+5.0 ★Texas Ratio: 3.41%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA185 N College St, Auburn, AL 36830A+5.0 ★Texas Ratio: 3.68%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union810 Colonial Promenade Pkwy, Alabaster, AL 35007A5.0 ★Texas Ratio: 7.13%, Central State BankCentral State Bank9331 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 1.93%, and River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%. 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 Chelsea, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Chelsea 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 Chelsea, Alabama
Market share is the lender's share of all home loans closed in Chelsea, 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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1 office in Chelsea 16046 Highway 280, Chelsea, AL 35043 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 14 +17 HELOCs |
2.7% | 69.6% | $183,571 | View |
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1 office in Chelsea 16863 Highway 280, Chelsea, AL 35043 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, Jumbo, HELOC | 5 +4 HELOCs |
1% | 100% | $445,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA, VA | 14 | 2.7% | 100% | $291,428 | View |
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15660 Highway 280, Chelsea, AL 35043 A+5.0 ★Texas Ratio: 3.41% |
Conventional, VA, HELOC | 7 +39 HELOCs |
1.4% | 100% | $383,571 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, HELOC | 7 +1 HELOCs |
1.4% | 100% | $376,428 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 100% | $369,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1% | 100% | $295,000 | View |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 5 | 1% | 100% | $179,000 | View |
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9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 5 | 1% | 100% | $283,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, Jumbo, HELOC | 4 +3 HELOCs |
0.8% | 100% | $405,000 | View |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +5 HELOCs |
0.6% | 100% | $325,000 | View |
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370 Chelsea Crossroads, Chelsea, AL 35043 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 3 +4 HELOCs |
0.6% | 75% | $361,666 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, VA, HELOC | 3 +1 HELOCs |
0.6% | 75% | $251,666 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional | 3 | 0.6% | 100% | $261,666 | View |
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2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53% |
Conventional | 3 | 0.6% | 100% | $131,666 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 2 | 0.4% | 100% | $355,000 | View |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $135,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $235,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.2% | 100% | $775,000 | View |
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★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 1 | 0.2% | 100% | $325,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 0.2% | 100% | $235,000 | View |
Aod Federal Credit Union
7 Frankford Ave Bldg 141, Anniston, AL 36201 4199 |
Conventional | 1 | 0.2% | 100% | $335,000 | |
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1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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351 24th St N, Birmingham, AL 35203 3836 A+5.0 ★Texas Ratio: 5.72% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.2% | 100% | $505,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
USDA | 1 | 0.2% | 100% | $225,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tjc Mortgage Inc
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Conventional, FHA, VA, USDA | 8 | 1.6% | 100% | $238,750 | |
America'S First Federal CU
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Conventional, HELOC | 3 +16 HELOCs |
0.6% | 100% | $218,333 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 101 | 19.7% | 86.3% | $307,772 | |
Rocket Mortgage
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Conventional, FHA, VA | 29 | 5.7% | 90.9% | $243,965 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 25 +1 HELOCs |
4.9% | 92.6% | $377,800 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 16 +3 HELOCs |
3.1% | 100% | $337,500 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 15 | 2.9% | 100% | $311,666 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 14 | 2.7% | 100% | $302,857 | |
Union Home Mortgage Corp.
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Conventional, FHA, HELOC | 12 +3 HELOCs |
2.3% | 100% | $274,166 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 2.3% | 87.5% | $223,333 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 1.8% | 78.6% | $339,444 | |
Guild Mortgage Company
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Conventional, FHA, VA | 8 | 1.6% | 100% | $305,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 8 | 1.6% | 100% | $341,250 | |
The Loan Store, Inc
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Conventional, FHA, VA | 8 | 1.6% | 100% | $348,750 | |
Cadence Bank
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Conventional, FHA, Jumbo, HELOC | 6 +4 HELOCs |
1.2% | 100% | $565,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA | 6 | 1.2% | 100% | $165,000 | |
Peoples Mortgage Company
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Conventional, FHA, VA, USDA | 5 | 1% | 100% | $353,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 5 | 1% | 100% | $345,000 | View |
Acrisure Mortgage, LLC
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Conventional, VA | 4 | 0.8% | 66.7% | $282,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 0.8% | 100% | $272,500 | |
Mortgage Research Center
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VA | 4 | 0.8% | 66.7% | $537,500 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.8% | 50% | $430,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.6% | 60% | $285,000 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 3 | 0.6% | 100% | $255,000 | View |
Newrez LLC
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VA | 3 | 0.6% | 75% | $461,666 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $308,333 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.6% | 100% | $448,333 | View |
American Pacific Mortgage Corporation
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Conventional | 3 | 0.6% | 100% | $425,000 | |
The Mortgage Firm
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Conventional, FHA | 3 | 0.6% | 100% | $335,000 | |
Mutual of Omaha Mortgage
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Conventional | 3 | 0.6% | 75% | $558,333 | |
New American Funding, LLC.
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FHA, VA | 3 | 0.6% | 75% | $455,000 | |
Gmfs, LLC
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Conventional, FHA | 3 | 0.6% | 100% | $298,333 | |
Spring Eq, LLC
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Conventional | 3 | 0.6% | 66.7% | $68,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 3 | 0.6% | 100% | $258,333 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $300,000 | View |
Synovus Bank
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Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $410,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.4% | 100% | $60,000 | View |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $125,000 | |
The Local Lender, LLC
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Conventional | 2 | 0.4% | 100% | $155,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.4% | 100% | $230,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 2 | 0.4% | 100% | $175,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 100% | $55,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $225,000 | |
Leaderone Financial Corp.
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FHA | 2 | 0.4% | 40% | $180,000 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.2% | 100% | $325,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,525,000 | View |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.2% | 100% | $155,000 | |
Residential Wholesale Mortgage
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Primelending
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FHA | 1 | 0.2% | 100% | $335,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 16.7% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
Canopy Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $385,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
loanDepot.com LLC
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Conventional | 1 | 0.2% | 25% | $65,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
Milo Credit, LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $295,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 14.3% | $35,000 | |
Princeton Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $285,000 | |
Synergy One Lending, Inc.
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FHA | 1 | 0.2% | 100% | $335,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $305,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $625,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 100% | $315,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 100% | $315,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Honda Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $25,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $475,000 | |
Premier Lending Inc.
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VA | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Iserve Residential Lending
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FHA | 1 | 0.2% | 100% | $345,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.2% | 100% | $895,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.2% | 100% | $355,000 | View |
Keesler Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Paramount Residential Mortgage
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VA | 1 | 0.2% | 100% | $395,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 40% | $285,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $95,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $275,000 | |
Village Capital & Investment
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FHA | 1 | 0.2% | 100% | $215,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Everett Financial, Inc.
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Chelsea 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 Chelsea, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Chelsea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Chelsea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Chelsea, AL
Use these to narrow the list above. Each category shows how many Chelsea, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Chelsea, AL
Independent mortgage companies closed 71 percent of home loans in Chelsea, Alabama in 2025, banks 23 percent and credit unions 6 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and Avadian Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 14 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 Chelsea, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Chelsea, Alabama with 14 loans, about 2.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Chelsea, Alabama, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 86.3 percent, against a 88.2 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.
52 lenders closed FHA loans in Chelsea, Alabama in 2025, led by DHI Mortgage Company, LTD. with 53. 25 lenders closed VA loans, led by United Wholesale Mortgage, and 4 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. 44 banks and 15 credit unions closed home loans in Chelsea, Alabama in 2025, alongside 71 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 Chelsea, 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 Chelsea, 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 Chelsea. 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.
