Mortgage Lenders and Brokers in Elberta, 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
Elberta, Alabama mortgage lenders include Centennial BankCentennial Bank24989 State St, Elberta, AL 36530A+5.0 ★Texas Ratio: 3.14%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%, United BankUnited Bank164 Lindbert Avenue, Atmore, AL 36502A+5.0 ★Texas Ratio: 2.15%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, Alabama Credit UnionAlabama Credit Union351 24th St N, Birmingham, AL 35203 3836A+5.0 ★Texas Ratio: 5.72%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, BankplusBankplus1263 West Main Street, Dothan, AL 36301A+5.0 ★Texas Ratio: 4.80%, and Bryant BankBryant Bank286 Us Highway 31 S, Athens, AL 35611A+5.0 ★Texas Ratio: 2.46%. 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 Elberta, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elberta 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 Elberta, Alabama
Market share is the lender's share of all home loans closed in Elberta, 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 Elberta 24989 State St, Elberta, AL 36530 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 2 | 0.8% | 66.7% | $495,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, VA, HELOC | 5 +4 HELOCs |
2.1% | 100% | $253,000 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +2 HELOCs |
1.7% | 57.1% | $260,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 3 | 1.3% | 75% | $191,666 | View |
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164 Lindbert Avenue, Atmore, AL 36502 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 3 | 1.3% | 75% | $418,333 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $560,000 | View |
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351 24th St N, Birmingham, AL 35203 3836 A+5.0 ★Texas Ratio: 5.72% |
Conventional | 2 | 0.8% | 100% | $265,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, Jumbo | 2 | 0.8% | 75% | $500,000 | View |
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1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
Conventional, VA | 2 | 0.8% | 100% | $645,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $465,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $335,000 | View |
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7146 Stone Dr, Daphne, AL 36526 4825 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
First Nation Bank and Trust
104 Lindberg Ave, Atmore, AL 36502 |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,175,000 | |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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7170 6th Ave, Altoona, AL 35952 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.4% | 100% | $305,000 | 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 +4 HELOCs |
0% | n/a | View | |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
HELOC | 0 +1 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 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $165,000 | |
America'S First Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 27 | 11.4% | 73% | $306,111 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 20 | 8.4% | 95.7% | $288,500 | |
loanDepot.com LLC
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Conventional, FHA, VA | 19 | 8% | 86.4% | $306,052 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 18 | 7.6% | 76% | $246,111 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 15 +1 HELOCs |
6.3% | 88.2% | $355,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 11 +2 HELOCs |
4.6% | 100% | $385,000 | |
21St Mortgage
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Conventional | 6 | 2.5% | 46.2% | $176,666 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA, VA | 5 | 2.1% | 100% | $367,000 | View |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 2.1% | 83.3% | $145,000 | |
PenAir Credit Union
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Conventional, HELOC | 3 +2 HELOCs |
1.3% | 50% | $251,666 | |
Freedom Mortgage Corporation
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Conventional, VA | 3 | 1.3% | 80% | $418,333 | |
Kind Lending, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $461,666 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1.3% | 75% | $315,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $271,666 | |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $50,000 | |
Cadence Bank
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Conventional, Jumbo | 2 | 0.8% | 100% | $745,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 0.8% | 100% | $450,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.8% | 100% | $300,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 2 | 0.8% | 63.6% | $140,000 | View |
Synergy One Lending, Inc.
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VA, Jumbo | 2 | 0.8% | 66.7% | $850,000 | |
Cmg Mortgage Inc
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VA, USDA | 2 | 0.8% | 100% | $480,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.8% | 100% | $505,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.8% | 66.7% | $190,000 | View |
Land Home Financial Services,
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Conventional | 2 | 0.8% | 100% | $130,000 | |
Mortgage Research Center
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VA | 2 | 0.8% | 100% | $330,000 | |
New American Funding, LLC.
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FHA, VA | 2 | 0.8% | 66.7% | $315,000 | |
Gershman Investment Corp.
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Conventional | 2 | 0.8% | 100% | $415,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $185,000 | View |
EMM Loans LLC
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FHA | 1 | 0.4% | 100% | $245,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $715,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $655,000 | |
RMC Home Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $585,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.4% | 100% | $775,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $485,000 | |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Newrez LLC
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Conventional | 1 | 0.4% | 25% | $395,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
City 1st Mortgage Services, LC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.4% | 100% | $725,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.4% | 100% | $235,000 | |
Members First Credit Union of Florida
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Conventional | 1 | 0.4% | 100% | $325,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 100% | $625,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $145,000 | |
Peoples Mortgage Company
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VA | 1 | 0.4% | 100% | $535,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $475,000 | View |
Mortgage Solutions of Colorado
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $685,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Mutual of Omaha Mortgage
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USDA | 1 | 0.4% | 100% | $285,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.4% | 100% | $575,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.4% | 100% | $175,000 | View |
Southwest Stage Funding LLC
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Gmfs, LLC
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Conventional | 1 | 0.4% | 100% | $265,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $675,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $145,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.4% | 100% | $705,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.4% | 100% | $485,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elberta 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 Elberta, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Elberta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elberta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elberta, AL
Use these to narrow the list above. Each category shows how many Elberta, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Elberta, AL
Independent mortgage companies closed 73 percent of home loans in Elberta, Alabama in 2025, banks 18.6 percent and credit unions 8.4 percent. Tjc Mortgage Inc was the largest mortgage company, Centennial Bank the largest bank and Alabama Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank 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 Elberta, AL
By home loans closed in 2025, Centennial Bank was the largest mortgage lender in Elberta, Alabama with 2 loans, about 0.8 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Elberta, Alabama in 2025, led by DHI Mortgage Company, LTD. with 13. 22 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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. 25 banks and 8 credit unions closed home loans in Elberta, Alabama in 2025, alongside 54 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 Elberta, 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 Elberta, 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 Elberta. 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.
