Mortgage Lenders and Brokers in Florence, 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
Florence, Alabama mortgage lenders include First Metro BankFirst Metro Bank325 S Pine St, Florence, AL 35630A+5.0 ★Texas Ratio: 1.01%, First Southern BankFirst Southern Bank201 S Court Street, Florence, AL 35630F1.0 ★Texas Ratio: 85.21%, Regions BankRegions Bank321 N Seminary St, Florence, AL 35630A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank454 East Tennessee Street, Florence, AL 35630A+5.0 ★Texas Ratio: 4.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA279 Cox Creek Pkwy, Florence, AL 35630A+5.0 ★Texas Ratio: 3.68%, Peoplestrust BankPeoplestrust Bank1131 Wills Ave, Florence, AL 35630A+5.0 ★Texas Ratio: 3.80%, United Community BankUnited Community Bank230 E Tennessee St, Florence, AL 35630A+5.0 ★Texas Ratio: 2.97%, FirstbankFirstbank121 Court Street, Florence, AL 35630A5.0 ★Texas Ratio: 7.51%, Truist BankTruist Bank402 Cox Creek Pkwy, Florence, AL 35630A+5.0 ★Texas Ratio: 2.87%, and PNC Bank N.A.PNC Bank N.A.412 N Court St, Florence, AL 35630A+5.0 ★Texas Ratio: 4.24%. 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 Florence, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Florence 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 Florence, Alabama
Market share is the lender's share of all home loans closed in Florence, 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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4 offices in Florence 325 S Pine St, Florence, AL 35630 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 30 | 3.7% | 90.9% | $162,333 | View |
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1 office in Florence 201 S Court Street, Florence, AL 35630 F1.0 ★Texas Ratio: 85.21% |
Conventional | 29 | 3.5% | 93.5% | $136,034 | View |
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2 offices in Florence 321 N Seminary St, Florence, AL 35630 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, USDA, HELOC | 27 +41 HELOCs |
3.3% | 65.3% | $149,074 | View |
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1 office in Florence 454 East Tennessee Street, Florence, AL 35630 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, HELOC | 13 +2 HELOCs |
1.6% | 100% | $226,538 | View |
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1 office in Florence 279 Cox Creek Pkwy, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 9 | 1.1% | 75% | $372,777 | View |
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1 office in Florence 1131 Wills Ave, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.80% |
Conventional, Jumbo | 8 | 1% | 100% | $257,500 | View |
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1 office in Florence 230 E Tennessee St, Florence, AL 35630 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA, HELOC | 6 +31 HELOCs |
0.7% | 75% | $165,000 | View |
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1 office in Florence 121 Court Street, Florence, AL 35630 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
0.5% | 100% | $322,500 | View |
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★ 1 stars, 1 review 1 office in Florence 402 Cox Creek Pkwy, Florence, AL 35630 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +9 HELOCs |
0.1% | 100% | $105,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Florence 412 N Court St, Florence, AL 35630 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +7 HELOCs |
0.1% | 66.7% | $155,000 | View |
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1 office in Florence 2716 Florence Blvd, Florence, AL 35630 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 25% | $265,000 | View |
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2902 Florence Blvd, Florence, AL 35630 A+5.0 ★Texas Ratio: 1.45% |
Conventional, FHA, VA, HELOC | 92 +53 HELOCs |
11.3% | 89.1% | $232,608 | View |
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301 W College St, Florence, AL 35630 5555 A+5.0 ★Texas Ratio: 3.96% |
Conventional, Jumbo, HELOC | 65 +28 HELOCs |
8% | 100% | $209,615 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 65 +13 HELOCs |
8% | 94.2% | $189,923 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA, VA | 20 | 2.4% | 90.9% | $239,000 | View |
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406 N Mall Ct, Florence, AL 35630 1580 A+5.0 ★Texas Ratio: 0.70% |
Conventional, HELOC | 15 +4 HELOCs |
1.8% | 88.2% | $205,666 | View |
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1902 Bruin Dr, Florence, AL 35630 6717 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 13 | 1.6% | 81.2% | $134,230 | View |
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401 East Tennesee Street, Florence, AL 35630 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 6 +10 HELOCs |
0.7% | 100% | $225,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 75% | $188,333 | View |
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321 S Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 2 | 0.2% | 100% | $90,000 | View |
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2975 Hough Rd, Florence, AL 35630 C3.6 ★Texas Ratio: 21.51% |
Conventional, HELOC | 1 +11 HELOCs |
0.1% | 33.3% | $215,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.1% | 100% | $5,000 | View |
First National Bank
31900 1st Ave Nw, Carbon Hill, AL 35549 |
Conventional | 1 | 0.1% | 100% | $145,000 | |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
FHA | 1 | 0.1% | 100% | $455,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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304 S PINE ST, FLORENCE, AL 35630 A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Consumer First Mortgage, Inc.
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FHA | 6 | 0.7% | 100% | $175,000 | |
Cis Financial Services, Inc.
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FHA | 1 | 0.1% | 100% | $165,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 63 | 7.7% | 85.5% | $141,666 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA, VA, USDA | 52 | 6.4% | 96.3% | $201,346 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 24 +1 HELOCs |
2.9% | 82.8% | $229,166 | |
Towne Mortgage Company
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Conventional, FHA, VA | 17 | 2.1% | 100% | $230,882 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 15 | 1.8% | 88.9% | $203,000 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 12 | 1.5% | 100% | $241,666 | View |
Planet Home Lending, LLC
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Conventional, FHA, VA | 12 | 1.5% | 85.7% | $168,333 | |
Wolfe Financial Inc
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Conventional, FHA, VA | 11 | 1.3% | 100% | $215,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 10 +1 HELOCs |
1.2% | 52.6% | $115,000 | |
PHH Mortgage Corporation
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Conventional | 10 | 1.2% | 100% | $260,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 10 | 1.2% | 100% | $225,000 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 9 | 1.1% | 90% | $172,777 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 1% | 75% | $148,750 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 8 | 1% | 50% | $173,750 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 7 | 0.9% | 100% | $216,428 | |
Mortgage Research Center
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Conventional, VA, Jumbo | 7 | 0.9% | 57.1% | $387,857 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 0.9% | 100% | $267,857 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, FHA | 5 | 0.6% | 85.7% | $305,000 | View |
AmeriHome Mortgage Company, LLC
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Conventional | 4 | 0.5% | 80% | $360,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 0.5% | 100% | $180,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 0.5% | 100% | $240,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +2 HELOCs |
0.4% | 60% | $65,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +1 HELOCs |
0.4% | 75% | $281,666 | |
CrossCountry Mortgage, LLC
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FHA | 3 | 0.4% | 100% | $151,666 | |
Loanunited.Com, LLC
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FHA | 3 | 0.4% | 100% | $271,666 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 3 | 0.4% | 100% | $241,666 | View |
Synovus Bank
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Conventional | 3 | 0.4% | 100% | $608,333 | |
Nationstar Mortgage
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Conventional, VA | 3 | 0.4% | 100% | $191,666 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, VA | 3 | 0.4% | 100% | $205,000 | View |
21St Mortgage
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Conventional | 3 | 0.4% | 100% | $81,666 | |
Tomo Mortgage LLC
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Conventional | 3 | 0.4% | 80% | $351,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.2% | 66.7% | $165,000 | View |
American Financial Resources LLC
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FHA | 2 | 0.2% | 100% | $215,000 | |
Goodleap, LLC
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Conventional, FHA | 2 | 0.2% | 50% | $205,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $85,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, VA | 2 | 0.2% | 100% | $275,000 | View |
New Day Financial, LLC.
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VA | 2 | 0.2% | 40% | $285,000 | |
Stockton Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 66.7% | $165,000 | |
Uif Corporation
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Conventional | 2 | 0.2% | 100% | $580,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $220,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.2% | 100% | $255,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.2% | 40% | $120,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.2% | 50% | $155,000 | |
The Mortgage Link, Inc.
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Conventional, FHA | 2 | 0.2% | 66.7% | $160,000 | |
Southwest Funding LP
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Conventional, FHA | 2 | 0.2% | 66.7% | $265,000 | |
Chevron Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $415,000 | |
Cadence Bank
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FHA | 1 | 0.1% | 50% | $285,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Primary Residential Mortgage, INC.
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FHA | 1 | 0.1% | 100% | $145,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 0.1% | 100% | $325,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.1% | 100% | $315,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $185,000 | |
Brighton Bank
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FHA | 1 | 0.1% | 100% | $145,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $385,000 | |
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A5.0 ★Texas Ratio: 13.85% |
Conventional | 1 | 0.1% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.1% | 100% | $175,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.1% | 100% | $125,000 | |
Churchill Mortgage Corporation
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VA | 1 | 0.1% | 100% | $365,000 | |
Peoples Mortgage Company
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FHA | 1 | 0.1% | 100% | $405,000 | |
Direct Mortgage Loans, LLC
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Conventional | 1 | 0.1% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $495,000 | View |
Iserve Residential Lending
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Conventional | 1 | 0.1% | 100% | $315,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 50% | $295,000 | |
Genway Home Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $145,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.1% | 100% | $155,000 | |
Lower, LLC
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VA | 1 | 0.1% | 100% | $205,000 | |
Gmfs, LLC
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FHA | 1 | 0.1% | 100% | $175,000 | |
Ascend Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $185,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $275,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Leaderone Financial Corp.
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Conventional | 1 | 0.1% | 50% | $225,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Guaranteed Rate, Inc.
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Gte 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 |
Florence 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 Florence, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Florence? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Florence in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Florence, AL
Use these to narrow the list above. Each category shows how many Florence, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Florence, AL
Independent mortgage companies closed 43.8 percent of home loans in Florence, Alabama in 2025, banks 43.7 percent and credit unions 12.5 percent. Consumer First Mortgage, Inc. was the largest mortgage company, First Metro Bank the largest bank and Listerhill Credit Union the largest credit union. Among lenders headquartered in Alabama, First Metro Bank led with 30 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 Florence, AL
By home loans closed in 2025, First Metro Bank was the largest mortgage lender in Florence, Alabama with 30 loans, about 3.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Florence, Alabama, Listerhill Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 86.7 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.
49 lenders closed FHA loans in Florence, Alabama in 2025, led by Trustmark Bank with 26. 30 lenders closed VA loans, led by United Wholesale Mortgage, and 3 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. 41 banks and 10 credit unions closed home loans in Florence, Alabama in 2025, alongside 67 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 Florence, 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 Florence, 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 Florence. 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.
