Mortgage Lenders and Brokers in Gadsden, 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
Gadsden, Alabama mortgage lenders include Emblem Credit UnionEmblem Credit Union702 Walnut St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 4.02%, The Exchange Bank of AlabamaThe Exchange Bank of Alabama230 N 3rd St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 0.17%, Regions BankRegions Bank200 Broad St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA250 S 7th St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 5.36%, River Bank & TrustRiver Bank & Trust244 S 3rd St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 4.39%, WinSouth Credit UnionWinSouth Credit Union110 S 26TH ST, GADSDEN, AL 35904 1935A+5.0 ★Texas Ratio: 3.81%, Peoples Bank of AlabamaPeoples Bank of Alabama400 W Meighan Blvd, Gadsden, AL 35901A+5.0 ★Texas Ratio: 3.77%, PNC Bank N.A.PNC Bank N.A.601 Broad St, Gadsden, AL 35901A+5.0 ★Texas Ratio: 4.24%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, and Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%. 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 Gadsden, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gadsden 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 Gadsden, Alabama
Market share is the lender's share of all home loans closed in Gadsden, 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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702 Walnut St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 4.02% |
Conventional, Jumbo, HELOC | 29 +16 HELOCs |
6.8% | 69.2% | $283,620 | View |
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2 offices in Gadsden 230 N 3rd St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 0.17% |
Conventional, Jumbo | 17 | 4% | 75% | $212,058 | View |
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3 offices in Gadsden 200 Broad St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 15 +20 HELOCs |
3.5% | 38.1% | $99,666 | View |
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1 office in Gadsden 250 S 7th St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 6 | 1.4% | 60% | $130,000 | View |
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244 S 3rd St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 4.39% |
Conventional, Jumbo, HELOC | 4 +11 HELOCs |
0.9% | 66.7% | $680,000 | View |
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110 S 26TH ST, GADSDEN, AL 35904 1935 A+5.0 ★Texas Ratio: 3.81% |
Conventional | 3 | 0.7% | 50% | $215,000 | View |
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1 office in Gadsden 400 W Meighan Blvd, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 3.77% |
Conventional | 2 | 0.5% | 66.7% | $130,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Gadsden 601 Broad St, Gadsden, AL 35901 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 50% | $315,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 29 | 6.8% | 93.5% | $149,827 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 16 | 3.7% | 88.9% | $200,000 | View |
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711 E Meighan Blvd, Gadsden, AL 35903 1917 A5.0 ★Texas Ratio: 8.94% |
Conventional, HELOC | 11 +22 HELOCs |
2.6% | 92.3% | $53,181 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 10 | 2.3% | 91.7% | $149,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA | 3 | 0.7% | 100% | $85,000 | View |
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305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 3 | 0.7% | 100% | $155,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 3 | 0.7% | 100% | $421,666 | View |
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5690 Us Highway 278 E, Gadsden, AL 35903 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 2 | 0.5% | 100% | $125,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, Jumbo | 2 | 0.5% | 100% | $660,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
VA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $295,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
FHA | 1 | 0.2% | 100% | $105,000 | View |
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1100 Quintard Ave, Anniston, AL 36201 C+4.0 ★Texas Ratio: 26.59% |
Conventional, Jumbo | 1 | 0.2% | 100% | $3,655,000 | View |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
The HomeTown Bank of Alabama
18045 State Highway 160, Cleveland, AL 35049 |
Conventional | 1 | 0.2% | 50% | $265,000 | |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
VA | 1 | 0.2% | 100% | $165,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
FHA | 1 | 0.2% | 100% | $135,000 | View |
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2779 Bell Rd, Montgomery, AL 36117 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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513 Kirkland St, Abbeville, AL 36310 2736 A5.0 ★Texas Ratio: 7.02% |
Conventional | 1 | 0.2% | 100% | $405,000 | View |
Consumer First Mortgage, Inc.
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FHA | 1 | 0.2% | 50% | $195,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $125,000 | |
America'S First Federal CU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 35 | 8.2% | 66.7% | $184,428 | |
Towne Mortgage Company
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Conventional, FHA, VA, USDA | 22 | 5.1% | 96.4% | $141,818 | |
Guild Mortgage Company
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Conventional, FHA, VA | 19 | 4.4% | 83.3% | $155,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 16 | 3.7% | 72.7% | $218,750 | |
Kind Lending, LLC
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Conventional, FHA, VA, USDA | 15 | 3.5% | 88.2% | $168,333 | |
Movement Mortgage, LLC
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Conventional, FHA | 15 | 3.5% | 100% | $213,666 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, HELOC | 11 +1 HELOCs |
2.6% | 100% | $165,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 2.6% | 80% | $169,545 | |
loanDepot.com LLC
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Conventional, FHA, VA | 9 | 2.1% | 64.3% | $115,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 8 | 1.9% | 80% | $197,500 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 7 | 1.6% | 100% | $296,428 | View |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 1.2% | 71.4% | $235,000 | |
Nationstar Mortgage
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Conventional, FHA | 5 | 1.2% | 83.3% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 5 | 1.2% | 100% | $157,000 | View |
Hunt Mortgage Corporation
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Conventional, VA | 4 | 0.9% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 4 | 0.9% | 55.6% | $107,500 | |
Cadence Bank
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.7% | 100% | $148,333 | |
Royal United Mortgage LLC
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Conventional | 3 | 0.7% | 60% | $91,666 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 3 | 0.7% | 100% | $301,666 | |
Planet Home Lending, LLC
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FHA, VA | 3 | 0.7% | 100% | $151,666 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 3 | 0.7% | 60% | $145,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.7% | 30% | $308,333 | |
Fairway Independent Mort Corp
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FHA, VA | 3 | 0.7% | 100% | $268,333 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 3 | 0.7% | 75% | $135,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.5% | 40% | $45,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $220,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 2 | 0.5% | 66.7% | $435,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 0.5% | 17.6% | $125,000 | |
New Day Financial, LLC.
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VA | 2 | 0.5% | 22.2% | $185,000 | |
Better Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $225,000 | |
21St Mortgage
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Conventional | 2 | 0.5% | 66.7% | $140,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, VA | 2 | 0.5% | 100% | $220,000 | View |
Southwest Funding LP
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FHA | 2 | 0.5% | 100% | $195,000 | |
Village Capital & Investment
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VA | 2 | 0.5% | 100% | $285,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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A5.0 ★Texas Ratio: 10.85% |
Conventional | 1 | 0.2% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.2% | 100% | $95,000 | |
Primelending
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Conventional | 1 | 0.2% | 50% | $105,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.2% | 66.7% | $95,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 100% | $305,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Instamortgage, Inc
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FHA | 1 | 0.2% | 100% | $355,000 | |
River City Bank
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $155,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $325,000 | View |
Synovus Bank
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Acopia, LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Mission Loans, LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Iserve Residential Lending
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FHA | 1 | 0.2% | 100% | $285,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $175,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $405,000 | |
Lower, LLC
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VA | 1 | 0.2% | 100% | $195,000 | |
Gmfs, LLC
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FHA | 1 | 0.2% | 100% | $165,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.2% | 20% | $185,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.2% | 16.7% | $115,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Honda Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Gadsden 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 Gadsden, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Gadsden? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gadsden in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gadsden, AL
Use these to narrow the list above. Each category shows how many Gadsden, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Gadsden, AL
Independent mortgage companies closed 55.5 percent of home loans in Gadsden, Alabama in 2025, banks 32.9 percent and credit unions 11.7 percent. Consumer First Mortgage, Inc. was the largest mortgage company, The Exchange Bank of Alabama the largest bank and Emblem Credit Union the largest credit union. Among lenders headquartered in Alabama, Emblem Credit Union led with 29 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 Gadsden, AL
By home loans closed in 2025, Emblem Credit Union was the largest mortgage lender in Gadsden, Alabama with 29 loans, about 6.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
43 lenders closed FHA loans in Gadsden, Alabama in 2025, led by First Federal Bank with 14. 24 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 36 banks and 9 credit unions closed home loans in Gadsden, Alabama in 2025, alongside 52 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 Gadsden, 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 Gadsden, 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 Gadsden. 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.
