Mortgage Lenders and Brokers in Eclectic, 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
Eclectic, Alabama mortgage lenders include Trustmark BankTrustmark Bank15 Kowaliga Rd, Eclectic, AL 36024A+5.0 ★Texas Ratio: 2.40%, First Community Bank of Central AlabamaFirst Community Bank of Central Alabama1875 Kowaliga Rd, Eclectic, AL 36024A4.6 ★Texas Ratio: 2.08%, 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%, Guardian Credit UnionGuardian Credit Union1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431A+5.0 ★Texas Ratio: 5.47%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, CB&S BankCB&S Bank1901 E Glenn Ave, Auburn, AL 36830C3.6 ★Texas Ratio: 21.51%, Max Credit UnionMax Credit Union336 N Gay St, Auburn, AL 36830 3992A+5.0 ★Texas Ratio: 2.18%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, and Truist BankTruist Bank629 E Main St, Albertville, AL 35950A+5.0 ★Texas Ratio: 2.87%. 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 Eclectic, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Eclectic 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 Eclectic, Alabama
Market share is the lender's share of all home loans closed in Eclectic, 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 Eclectic 15 Kowaliga Rd, Eclectic, AL 36024 A+5.0 ★Texas Ratio: 2.40% |
Conventional, HELOC | 2 +8 HELOCs |
1.9% | 100% | $220,000 | View |
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1875 Kowaliga Rd, Eclectic, AL 36024 A4.6 ★Texas Ratio: 2.08% |
Conventional | 10 | 9.3% | 91.7% | $212,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, VA, USDA | 3 | 2.8% | 75% | $308,333 | View |
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1400 Woodfin Ln Ste D, Clanton, AL 35045 8746 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 3 | 2.8% | 100% | $45,000 | View |
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1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47% |
Conventional, HELOC | 2 +2 HELOCs |
1.9% | 40% | $80,000 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 33.3% | $115,000 | View |
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1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51% |
Conventional | 2 | 1.9% | 100% | $245,000 | View |
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336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
Conventional, HELOC | 1 +7 HELOCs |
0.9% | 100% | $85,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $35,000 | 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 +2 HELOCs |
0.9% | 100% | $365,000 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 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 +1 HELOCs |
0% | n/a | View | |
21St Mortgage
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Conventional | 11 | 10.3% | 92.3% | $162,272 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 9.3% | 83.3% | $313,000 | |
Rocket Mortgage
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Conventional, FHA | 9 | 8.4% | 90% | $155,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 7 | 6.5% | 100% | $235,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 4.7% | 100% | $279,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 3 | 2.8% | 100% | $201,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 2.8% | 100% | $181,666 | |
Mortgage Research Center
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VA | 3 | 2.8% | 75% | $331,666 | |
Freedom Mortgage Corporation
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VA | 2 | 1.9% | 100% | $235,000 | |
loanDepot.com LLC
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FHA, VA | 2 | 1.9% | 66.7% | $185,000 | |
Oceanside Mortgage Company
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FHA | 2 | 1.9% | 100% | $295,000 | |
Towne Mortgage Company
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VA | 2 | 1.9% | 75% | $505,000 | |
Cadence Bank
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Conventional, Jumbo | 1 | 0.9% | 100% | $2,005,000 | |
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A4.6 ★Texas Ratio: 2.08% |
FHA | 1 | 0.9% | 100% | $265,000 | View |
Goodleap, LLC
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VA | 1 | 0.9% | 100% | $235,000 | |
Newrez LLC
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VA | 1 | 0.9% | 100% | $385,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.9% | 100% | $125,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.9% | 42.9% | $75,000 | View |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.9% | 100% | $215,000 | |
Discover Bank
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Conventional | 1 | 0.9% | 33.3% | $45,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.9% | 100% | $365,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.9% | 100% | $215,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 0.9% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $45,000 | |
Saygo Home Loans, LLC
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VA | 1 | 0.9% | 100% | $295,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.9% | 100% | $175,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.9% | 100% | $175,000 | |
Gmfs, LLC
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FHA | 1 | 0.9% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.9% | 50% | $355,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.9% | 11.1% | $155,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.9% | 100% | $145,000 | |
Village Capital & Investment
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VA | 1 | 0.9% | 100% | $415,000 |
Eclectic 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 Eclectic, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Eclectic? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Eclectic in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Eclectic, AL
Use these to narrow the list above. Each category shows how many Eclectic, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Eclectic, AL
Independent mortgage companies closed 70.1 percent of home loans in Eclectic, Alabama in 2025, banks 22.4 percent and credit unions 7.5 percent. 21St Mortgage was the largest mortgage company, Trustmark Bank the largest bank and Alabama State Employees CU the largest credit union. Among lenders headquartered in Alabama, First Community Bank of Central Alabama led with 10 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 Eclectic, AL
By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Eclectic, Alabama with 2 loans, about 1.9 percent of the market. The largest lender headquartered in Alabama was First Community Bank of Central Alabama with 10 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Eclectic, Alabama in 2025, led by United Wholesale Mortgage with 5. 17 lenders closed VA loans, led by United Wholesale Mortgage, 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. 11 banks and 6 credit unions closed home loans in Eclectic, Alabama in 2025, alongside 28 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 Eclectic, 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 Eclectic, 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 Eclectic. 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.
