Mortgage Lenders and Brokers in Gainesville, 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
Gainesville, Alabama mortgage lenders include BankFirst Financial ServicesBankFirst Financial Services30966 Highway 278, Addison, AL 35540A+5.0 ★Texas Ratio: 3.47%, West Alabama Bank & TrustWest Alabama Bank & Trust4 3rd Ave Nw, Aliceville, AL 35442A5.0 ★Texas Ratio: 7.03%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%, 21St Mortgage, and Tammac Holdings Corporation. 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 Gainesville, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gainesville 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 Gainesville, Alabama
Market share is the lender's share of all home loans closed in Gainesville, 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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30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 2 | 28.6% | 100% | $150,000 | View |
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4 3rd Ave Nw, Aliceville, AL 35442 A5.0 ★Texas Ratio: 7.03% |
Conventional | 1 | 14.3% | 100% | $135,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 14.3% | 33.3% | $65,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 14.3% | 100% | $35,000 | |
21St Mortgage
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Conventional | 1 | 14.3% | 100% | $165,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 14.3% | 100% | $145,000 |
Gainesville 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 Gainesville, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Gainesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gainesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gainesville, AL
Use these to narrow the list above. Each category shows how many Gainesville, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Gainesville, AL
Independent mortgage companies closed 28.6 percent of home loans in Gainesville, Alabama in 2025, banks 57.1 percent and credit unions 14.3 percent. 21St Mortgage was the largest mortgage company, BankFirst Financial Services the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, West Alabama Bank & Trust led with 1 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 Gainesville, AL
By home loans closed in 2025, BankFirst Financial Services was the largest mortgage lender in Gainesville, Alabama with 2 loans, about 28.6 percent of the market. The largest lender headquartered in Alabama was West Alabama Bank & Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 3 banks and 1 credit unions closed home loans in Gainesville, Alabama in 2025, alongside 2 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 Gainesville, 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 Gainesville, 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 Gainesville. 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.
