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Mortgage Lenders and Brokers in Fairhope, Alabama

Content reviewed by

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

Fairhope, Alabama mortgage lenders include Trustmark BankTrustmark Bank236 North Greeno Road, Fairhope, AL 36532A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank98 Greeno Rd S, Fairhope, AL 36532A+5.0 ★Texas Ratio: 4.37%, First Horizon BankFirst Horizon Bank22530 Us Highway 98, Fairhope, AL 36532A+5.0 ★Texas Ratio: 5.76%, Servisfirst BankServisfirst Bank561 Fairhope Ave, Fairhope, AL 36532A5.0 ★Texas Ratio: 8.75%, Community Bank of MississippiCommunity Bank of Mississippi813 Estella St, Fairhope, AL 36532A+5.0 ★Texas Ratio: 3.09%, BankplusBankplus920 Fairhope Avenue, Fairhope, AL 36532A+5.0 ★Texas Ratio: 4.80%, Southstate Bank, National AssociationSouthstate Bank, National Association457 Magnolia Ave, Fairhope, AL 36532A+5.0 ★Texas Ratio: 2.27%, Renasant BankRenasant Bank408 Fairhope Ave, Fairhope, AL 36532A+5.0 ★Texas Ratio: 4.72%, Truist BankTruist Bank906 Plantation Blvd, Fairhope, AL 36532A+5.0 ★Texas Ratio: 2.87%, and Century BankCentury Bank861 Edwards Ave, Fairhope, AL 36532A+5.0 ★Texas Ratio: 4.56%. 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 Fairhope, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fairhope 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 Fairhope, Alabama

Market share is the lender's share of all home loans closed in Fairhope, 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
Trustmark Bank 1 office in Fairhope 236 North Greeno Road, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, HELOC	36 +15 HELOCs	4.9%	100%	$390,000	View
Regions Bank 1 office in Fairhope 98 Greeno Rd S, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	27 +22 HELOCs	3.7%	81.1%	$370,185	View
First Horizon Bank ★ 5 stars, 1 review 1 office in Fairhope 22530 Us Highway 98, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	18 +9 HELOCs	2.5%	85.7%	$668,333	View
Servisfirst Bank 1 office in Fairhope 561 Fairhope Ave, Fairhope, AL 36532 A5.0 ★Texas Ratio: 8.75%	Conventional, VA, Jumbo, HELOC	15 +5 HELOCs	2%	100%	$640,333	View
Community Bank of Mississippi 1 office in Fairhope 813 Estella St, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 3.09%	Conventional, Jumbo, HELOC	12 +4 HELOCs	1.6%	92.3%	$497,500	View
Bankplus 1 office in Fairhope 920 Fairhope Avenue, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.80%	Conventional, FHA, HELOC	6 +5 HELOCs	0.8%	90.9%	$405,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Fairhope 457 Magnolia Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	6 +4 HELOCs	0.8%	85.7%	$926,666	View
Renasant Bank 1 office in Fairhope 408 Fairhope Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo, HELOC	5 +8 HELOCs	0.7%	100%	$723,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Fairhope 906 Plantation Blvd, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	4 +9 HELOCs	0.5%	80%	$425,000	View
Century Bank 1 office in Fairhope 861 Edwards Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.56%	Conventional	4	0.5%	100%	$235,000	View
Wells Fargo Bank NA 1 office in Fairhope 50 N Section St, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	4	0.5%	50%	$577,500	View
The Citizens Bank 1 office in Fairhope 104 S Section St, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 2.99%	Conventional, Jumbo	4	0.5%	100%	$620,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Fairhope 949 Fairhope Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	3 +24 HELOCs	0.4%	100%	$191,666	View
Smartbank 1 office in Fairhope 106 Ecor Rouge Pl Shop Ctr, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 1.74%	Conventional, HELOC	3 +4 HELOCs	0.4%	100%	$308,333	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1 office in Fairhope 504 Fairhope Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 3.41%	Conventional, FHA, HELOC	2 +4 HELOCs	0.3%	100%	$210,000	View
Pinnacle Bank 1 office in Fairhope 112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$275,000	View
Merchants & Marine Bank 1 office in Fairhope 325 Fairhope Ave, Fairhope, AL 36532 A5.0 ★Texas Ratio: 9.99%	FHA	1	0.1%	100%	$315,000	View
Centennial Bank 1 office in Fairhope 218 Greeno Rd N, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 3.14%	Conventional	1	0.1%	100%	$265,000	View
Origin Bank 1 office in Fairhope 3700 Dauphin St, Mobile, AL 36608 A5.0 ★Texas Ratio: 6.66%	HELOC	0 +1 HELOCs	0%	n/a		View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA, VA	16	2.2%	100%	$283,125	View
Firstbank 315 Magnolia Ave, Fairhope, AL 36532 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA	13	1.8%	77.8%	$395,000	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional, FHA, VA, Jumbo	7	1%	100%	$422,142	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional, Jumbo, HELOC	6 +3 HELOCs	0.8%	100%	$410,000	View
Alabama Credit Union 111 Baldwin Sq, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 5.72%	Conventional	3	0.4%	75%	$311,666	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	2 +6 HELOCs	0.3%	66.7%	$335,000	View
New Horizons Credit Union 7146 Stone Dr, Daphne, AL 36526 4825 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	2 +3 HELOCs	0.3%	100%	$255,000	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional	2	0.3%	50%	$440,000	View
Max Credit Union 336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$635,000	View
Southern Energy Credit Union 925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,095,000	View
United Community Bank 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$765,000	View
Guardian Credit Union 1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47%	Conventional	1	0.1%	100%	$405,000	View
Liberty Mortgage Corporation 305 N Broad St, Albertville, AL 35950	Conventional	1	0.1%	100%	$655,000
BankSouth 100 N Court Sq, Abbeville, AL 36310 A5.0 ★Texas Ratio: 6.18%	Conventional	1	0.1%	100%	$455,000	View
West Alabama Bank & Trust 9879 State Highway 104, Fairhope, AL 36532 A5.0 ★Texas Ratio: 7.03%	Conventional, Jumbo	1	0.1%	100%	$1,065,000	View
United Bank 164 Lindbert Avenue, Atmore, AL 36502 A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	50%	$65,000	View
Central State Bank 9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93%	Conventional, Jumbo	1	0.1%	50%	$825,000	View
Alabama ONE Credit Union 2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53%	Conventional	1	0.1%	100%	$185,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	VA	1	0.1%	100%	$165,000	View
All In Credit Union 609 Ozark Rd, Abbeville, AL 36310	HELOC	0 +3 HELOCs	0%	n/a
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +2 HELOCs	0%	n/a		View
Emblem Credit Union 1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02%	HELOC	0 +1 HELOCs	0%	n/a		View
Family Savings Credit Union 7200 US Highway 431 Ste 350, Albertville, AL 35950 1250 A5.0 ★Texas Ratio: 8.94%	HELOC	0 +1 HELOCs	0%	n/a		View
Bank Independent 22015 Us Highway 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 1.45%	HELOC	0 +1 HELOCs	0%	n/a		View
Tjc Mortgage Inc	Conventional, FHA	3	0.4%	100%	$301,666
America'S First Federal CU	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$745,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA, USDA	114	15.6%	77.3%	$340,701
Rocket Mortgage	Conventional, FHA, VA, Jumbo	56	7.6%	85.5%	$247,678
Cadence Bank	Conventional, Jumbo, HELOC	27 +15 HELOCs	3.7%	96.4%	$450,925
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	21 +1 HELOCs	2.9%	73.3%	$385,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	14 +6 HELOCs	1.9%	73.7%	$310,000
New American Funding, LLC.	Conventional, FHA, VA, HELOC	9 +1 HELOCs	1.2%	100%	$283,888
Gmfs, LLC	Conventional	9	1.2%	100%	$421,666
Newrez LLC	Conventional, VA	8	1.1%	72.7%	$391,250
Kind Lending, LLC	Conventional, FHA, Jumbo	8	1.1%	80%	$488,750
Guild Mortgage Company	Conventional, FHA	8	1.1%	100%	$383,750
Freedom Mortgage Corporation	Conventional, FHA, VA	7	1%	100%	$386,428
Mortgage Research Center	VA	7	1%	70%	$346,428
Pennymac Loan Services LLC	Conventional, FHA, VA	6	0.8%	66.7%	$308,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	6	0.8%	85.7%	$485,000	View
Ark-La-Tex Financial Services LLC	Conventional, FHA	6	0.8%	85.7%	$358,333
Tyndall Federal Credit Union A+5.0 ★Texas Ratio: 0.96%	Conventional, HELOC	5 +4 HELOCs	0.7%	100%	$97,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, VA	5	0.7%	100%	$417,000	View
Spring Eq, LLC	Conventional	5	0.7%	62.5%	$109,000
Movement Mortgage, LLC	Conventional, FHA, HELOC	4 +1 HELOCs	0.5%	80%	$317,500
PenAir Credit Union	Conventional, FHA, HELOC	4 +1 HELOCs	0.5%	80%	$170,000
Cornerstone First Mortgage, LLC	Conventional	4	0.5%	100%	$272,500
Guaranteed Rate, Inc.	Conventional, Jumbo	4	0.5%	100%	$687,500
Towne Mortgage Company	Conventional, FHA	4	0.5%	100%	$427,500
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$285,000	View
Pentagon Federal Credit Union	Conventional, HELOC	3 +1 HELOCs	0.4%	75%	$251,666
Better Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$165,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	3	0.4%	100%	$325,000	View
SWBC Mortgage Corporation	Conventional, Jumbo	3	0.4%	100%	$505,000
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	3	0.4%	60%	$275,000
CrossCountry Mortgage, LLC	Conventional	3	0.4%	100%	$368,333
Synergy One Lending, Inc.	Conventional	3	0.4%	100%	$418,333
American Financial Network, Inc.	FHA, VA	3	0.4%	100%	$341,666
Discover Bank	Conventional	3	0.4%	60%	$88,333
Securitynational Mortgage Company	Conventional, FHA	3	0.4%	100%	$285,000
Union Home Mortgage Corp.	Conventional, FHA	3	0.4%	100%	$358,333
New Day Financial, LLC.	VA	3	0.4%	100%	$385,000
Planet Home Lending, LLC	Conventional, FHA, VA	3	0.4%	75%	$248,333
Nationstar Mortgage	Conventional	3	0.4%	75%	$155,000
Stockton Mortgage Corporation	Conventional	3	0.4%	75%	$428,333
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$248,333
Lower, LLC	Conventional	3	0.4%	100%	$425,000
21St Mortgage	Conventional	3	0.4%	44.4%	$98,333
The Loan Store, Inc	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$260,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$575,000	View
Arc Home LLC	Conventional, Jumbo	2	0.3%	100%	$635,000
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional, VA	2	0.3%	100%	$510,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	2	0.3%	100%	$390,000
Sage Home Loans Corporation	Conventional	2	0.3%	75%	$360,000
loanDepot.com LLC	Conventional	2	0.3%	40%	$295,000
AmeriHome Mortgage Company, LLC	Conventional, VA	2	0.3%	100%	$295,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	2	0.3%	80%	$100,000	View
PHH Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$400,000
Loanunited.Com, LLC	FHA, VA	2	0.3%	100%	$375,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$460,000	View
Filo Mortgage, LLC	Conventional	2	0.3%	100%	$305,000
Resicentral LLC	Conventional	2	0.3%	100%	$300,000
Amerisave Mortgage Company	Conventional, VA	2	0.3%	33.3%	$350,000
PriorityOne Bank A5.0 ★Texas Ratio: 12.03%	Conventional	2	0.3%	100%	$435,000	View
HomeXpress Mortgage Corp.	Conventional	2	0.3%	100%	$475,000
Onpath Federal Credit Union	Conventional, Jumbo	2	0.3%	100%	$855,000
Click n' Close, Inc.	Conventional, FHA	2	0.3%	50%	$160,000
Nfm, Inc	Conventional	2	0.3%	100%	$305,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	VA, Jumbo	2	0.3%	100%	$870,000	View
Nations Lending Corporation	Conventional	2	0.3%	66.7%	$285,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.3%	100%	$285,000	View
Mutual of Omaha Mortgage	Conventional	2	0.3%	100%	$230,000
Compass Mortgage, Inc.	Conventional	2	0.3%	100%	$455,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.3%	100%	$400,000	View
Carrington Mortgage Services LLC	Conventional, VA	2	0.3%	50%	$255,000
Synovus Bank	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$295,000
Gulf Winds Credit Union	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$675,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$305,000	View
Interlinc Mortgage Services, LLC	Conventional	1	0.1%	100%	$755,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	1	0.1%	100%	$425,000	View
Premier Mortgage Resources, LLC	Conventional	1	0.1%	100%	$385,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$175,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	VA	1	0.1%	100%	$395,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$425,000	View
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$565,000
Citizens National Bank of Meridian	Conventional	1	0.1%	100%	$695,000
MortgageOne, Inc	VA	1	0.1%	100%	$345,000
BankSouth Mortgage Company LLC A5.0 ★Texas Ratio: 6.18%	Conventional	1	0.1%	100%	$385,000	View
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$505,000	View
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$535,000
Valon Mortgage	FHA	1	0.1%	100%	$265,000
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	FHA	1	0.1%	100%	$285,000	View
HomeBridge Financial Services, Inc	VA	1	0.1%	100%	$325,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$265,000
FirstTrust Home Loans	Conventional	1	0.1%	100%	$345,000
Goldwater Bank, N.A. C+4.1 ★Texas Ratio: 26.20%	Conventional	1	0.1%	100%	$605,000	View
East Coast Capital Corp.	Conventional	1	0.1%	100%	$125,000
American Financing Corporation	Conventional	1	0.1%	100%	$315,000
Legends Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$335,000	View
Chevron Federal Credit Union	Conventional	1	0.1%	100%	$525,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$305,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$35,000
Southeast Mortgage of Georgia, Inc.	FHA	1	0.1%	100%	$475,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$785,000	View
Churchill Mortgage Corporation	Conventional	1	0.1%	100%	$405,000
The Local Lender, LLC	Conventional	1	0.1%	100%	$285,000
BoxCar Mortgage, LLC	Conventional	1	0.1%	100%	$365,000
Direct Mortgage Loans, LLC	FHA	1	0.1%	100%	$245,000
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$355,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$175,000
Together Credit Union	Conventional	1	0.1%	100%	$365,000
New Story Lending LLC	Conventional	1	0.1%	100%	$145,000
American Pacific Mortgage Corporation	Conventional	1	0.1%	33.3%	$355,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.1%	100%	$335,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$275,000	View
Independent Bank A+5.0 ★Texas Ratio: 1.45%	Conventional	1	0.1%	100%	$425,000	View
City Bank A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$445,000	View
V.I.P. Mortgage, Inc.	VA	1	0.1%	100%	$695,000
Mortgage Solutions of Colorado	Conventional	1	0.1%	100%	$295,000
Endeavor Capital, LLC	FHA	1	0.1%	100%	$305,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	50%	$655,000	View
TowneBank	Conventional	1	0.1%	100%	$495,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$255,000
Winnsboro State Bank & Trust Company A5.0 ★Texas Ratio: 6.51%	Conventional	1	0.1%	100%	$95,000	View
Fairway Independent Mort Corp	Conventional	1	0.1%	100%	$345,000
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.1%	100%	$195,000	View
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$215,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	50%	$155,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$445,000
Nexera Holding LLC	Conventional	1	0.1%	100%	$315,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	100%	$75,000
Texana Bank	Conventional	1	0.1%	100%	$415,000
Mason-McDuffie Mortgage Corporation	FHA	1	0.1%	100%	$295,000
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$265,000
Planters Bank and Trust Company A+5.0 ★Texas Ratio: 3.79%	Conventional	1	0.1%	100%	$195,000	View
Leaderone Financial Corp.	VA	1	0.1%	100%	$345,000
Tammac Holdings Corporation	Conventional	1	0.1%	50%	$135,000
Hometrust Mortgage Company	Conventional	1	0.1%	33.3%	$155,000
Figure Lending LLC	HELOC	0 +9 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +1 HELOCs	0%	n/a		View
Gulf Coast Bank and Trust	HELOC	0 +1 HELOCs	0%	n/a
Keesler Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Angel Oak Mortgage Solutions LLC	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

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.

Fairhope 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 Fairhope, Alabama

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

Types of Mortgage Lenders in Fairhope, AL

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

Mortgage companies and brokers 93 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 67 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 38 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 34 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 22 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 25 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Fairhope, AL

Independent mortgage companies closed 55.1 percent of home loans in Fairhope, Alabama in 2025, banks 38.7 percent and credit unions 6.1 percent. Liberty Mortgage Corporation was the largest mortgage company, Trustmark Bank the largest bank and Alabama Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 27 loans.

55.1%

Mortgage companies

38.7%

Banks

6.1%

Credit unions

15%

FHA loans

10%

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 Birmingham 194 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders

Frequently Asked Questions About Mortgage Lenders in Fairhope, AL

Who is the largest mortgage lender in Fairhope, AL?

By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Fairhope, Alabama with 36 loans, about 4.9 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 27 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Fairhope, Alabama, Rocket Mortgage approved the highest share of completed applications in 2025 at 85.5 percent, against a 84.1 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 Fairhope, AL mortgage lenders offer FHA, VA and USDA loans?

38 lenders closed FHA loans in Fairhope, Alabama in 2025, led by DHI Mortgage Company, LTD. with 45. 34 lenders closed VA loans, led by DHI Mortgage Company, LTD., 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.

Are credit unions and local banks included in this Fairhope, AL lender list?

Yes. 67 banks and 27 credit unions closed home loans in Fairhope, Alabama in 2025, alongside 93 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 Fairhope, AL ranked on this page?

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