Mortgage Lenders and Brokers in Fort Payne, 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
Fort Payne, Alabama mortgage lenders include Regions BankRegions Bank100 Grand Ave Sw, Fort Payne, AL 35967A+5.0 ★Texas Ratio: 4.37%, PNC Bank N.A.PNC Bank N.A.200 Gault Ave N, Fort Payne, AL 35967A+5.0 ★Texas Ratio: 4.24%, WinSouth Credit UnionWinSouth Credit Union101 DRINKARD DR NW, FORT PAYNE, AL 35967A+5.0 ★Texas Ratio: 3.81%, Emblem Credit UnionEmblem Credit Union700 Gault Ave S, Fort Payne, AL 35967 1628A+5.0 ★Texas Ratio: 4.02%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, First Jackson Bank, IncFirst Jackson Bank, Inc50550 Al Highway 277, Bridgeport, AL 35740A+5.0 ★Texas Ratio: 1.03%, Redstone Federal Credit UnionRedstone Federal Credit Union1069 N Main St, Arab, AL 35016A+5.0 ★Texas Ratio: 2.10%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, and Liberty BankLiberty Bank305 N Broad St, Albertville, AL 35950A+5.0 ★Texas Ratio: 1.01%. 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 Fort Payne, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fort Payne 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 Fort Payne, Alabama
Market share is the lender's share of all home loans closed in Fort Payne, 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 Fort Payne 100 Grand Ave Sw, Fort Payne, AL 35967 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 11 +5 HELOCs |
4.1% | 60% | $85,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Fort Payne 200 Gault Ave N, Fort Payne, AL 35967 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +5 HELOCs |
0.4% | 100% | $195,000 | View |
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101 DRINKARD DR NW, FORT PAYNE, AL 35967 A+5.0 ★Texas Ratio: 3.81% |
Conventional | 20 | 7.5% | 77.8% | $122,000 | View |
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700 Gault Ave S, Fort Payne, AL 35967 1628 A+5.0 ★Texas Ratio: 4.02% |
Conventional, HELOC | 15 +9 HELOCs |
5.6% | 72% | $188,333 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 8 | 3% | 100% | $186,250 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 7 | 2.6% | 87.5% | $297,857 | View |
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50550 Al Highway 277, Bridgeport, AL 35740 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 3 | 1.1% | 100% | $408,333 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, HELOC | 2 +2 HELOCs |
0.7% | 100% | $110,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 2 | 0.7% | 100% | $270,000 | View |
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305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
FHA | 1 | 0.4% | 100% | $315,000 | View |
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321 S Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
FHA | 1 | 0.4% | 50% | $375,000 | View |
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3810 Governors Drive Nw, Huntsville, AL 35805 A+5.0 ★Texas Ratio: 0.43% |
Conventional | 1 | 0.4% | 100% | $375,000 | 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 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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FHA | 1 | 0.4% | 100% | $155,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 26 | 9.7% | 69.2% | $216,923 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 18 | 6.7% | 71.4% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, USDA | 11 | 4.1% | 100% | $224,090 | View |
Movement Mortgage, LLC
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Conventional, FHA | 10 | 3.7% | 91.7% | $140,000 | |
Canopy Mortgage, LLC
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Conventional, FHA, USDA | 7 | 2.6% | 87.5% | $219,285 | |
Mortgage Research Center
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Conventional, VA | 7 | 2.6% | 70% | $296,428 | |
Victorian Finance, LLC
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Conventional, FHA, VA | 7 | 2.6% | 77.8% | $195,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 2.6% | 44.4% | $115,000 | |
Kind Lending, LLC
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Conventional, FHA, VA, USDA | 6 | 2.2% | 85.7% | $165,000 | |
Acopia, LLC
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Conventional, FHA, VA | 6 | 2.2% | 77.8% | $136,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 2.2% | 100% | $171,666 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.9% | 83.3% | $129,000 | |
Nationstar Mortgage
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Conventional, VA | 4 | 1.5% | 66.7% | $182,500 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 3 | 1.1% | 100% | $275,000 | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 3 | 1.1% | 100% | $155,000 | |
Towne Mortgage Company
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FHA, USDA | 3 | 1.1% | 100% | $145,000 | |
Fairway Independent Mort Corp
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Conventional, USDA | 3 | 1.1% | 100% | $161,666 | |
Spring Eq, LLC
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Conventional | 3 | 1.1% | 100% | $88,333 | |
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A4.6 ★Texas Ratio: 2.08% |
USDA | 2 | 0.7% | 100% | $195,000 | View |
Freedom Mortgage Corporation
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FHA | 2 | 0.7% | 75% | $110,000 | |
Newrez LLC
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Conventional | 2 | 0.7% | 66.7% | $170,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $250,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 0.7% | 50% | $185,000 | |
Tennessee Valley Federal C U
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Conventional | 2 | 0.7% | 100% | $440,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 2 | 0.7% | 100% | $315,000 | View |
Gmfs, LLC
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Conventional | 2 | 0.7% | 100% | $505,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 0.7% | 66.7% | $310,000 | |
21St Mortgage
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Conventional | 2 | 0.7% | 50% | $145,000 | |
Cadence Bank
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Conventional | 1 | 0.4% | 100% | $265,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
Goodleap, LLC
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VA | 1 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.4% | 100% | $445,000 | |
Amerisave Mortgage Company
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VA | 1 | 0.4% | 20% | $335,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.4% | 100% | $345,000 | |
Direct Lenders, LLC.
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FHA | 1 | 0.4% | 100% | $255,000 | |
Iaa Credit Union
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $45,000 | |
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A-4.3 ★Texas Ratio: 0.87% |
Conventional | 1 | 0.4% | 100% | $55,000 | View |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.57% |
FHA | 1 | 0.4% | 100% | $215,000 | View |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Cardinal Financial Company, Li
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USDA | 1 | 0.4% | 50% | $185,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 50% | $275,000 | |
Transportation Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Atlantic Bay Mortgage Group
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FHA | 1 | 0.4% | 100% | $95,000 | |
BoxCar Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $205,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.4% | 100% | $335,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.13% |
Conventional | 1 | 0.4% | 100% | $45,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $265,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Summit Funding.Inc
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.4% | 100% | $585,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.4% | 100% | $215,000 | View |
Leaderone Financial Corp.
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VA | 1 | 0.4% | 100% | $295,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 75% | $205,000 | |
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lower, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Fort Payne 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 Fort Payne, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Fort Payne? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fort Payne in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fort Payne, AL
Use these to narrow the list above. Each category shows how many Fort Payne, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Fort Payne, AL
Independent mortgage companies closed 64.8 percent of home loans in Fort Payne, Alabama in 2025, banks 18.7 percent and credit unions 16.5 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and WinSouth Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 11 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 Fort Payne, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Fort Payne, Alabama with 11 loans, about 4.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
28 lenders closed FHA loans in Fort Payne, Alabama in 2025, led by First Federal Bank with 5. 20 lenders closed VA loans, led by Mortgage Research Center, and 9 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. 24 banks and 9 credit unions closed home loans in Fort Payne, Alabama in 2025, alongside 53 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 Fort Payne, 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 Fort Payne, 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 Fort Payne. 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.
