Mortgage Lenders and Brokers in Gardendale, 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
Gardendale, Alabama mortgage lenders include Regions BankRegions Bank895 Odum Rd, Gardendale, AL 35071A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA665 Fieldstown Rd, Gardendale, AL 35071A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank1325 Decatur Hwy, Gardendale, AL 35071A+5.0 ★Texas Ratio: 2.87%, FirstbankFirstbank651 Main St, Gardendale, AL 35071A5.0 ★Texas Ratio: 7.51%, Southstate Bank, National AssociationSouthstate Bank, National Association1605 E University Dr, Auburn, AL 36830A+5.0 ★Texas Ratio: 2.27%, Southpoint BankSouthpoint Bank1101 Main St, Gardendale, AL 35071F2.8 ★Texas Ratio: 41.33%, eCO Credit UnioneCO Credit Union1233 Pecan Ave, Gardendale, AL 35071A+5.0 ★Texas Ratio: 3.69%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, and First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%. 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 Gardendale, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gardendale 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 Gardendale, Alabama
Market share is the lender's share of all home loans closed in Gardendale, 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 Gardendale 895 Odum Rd, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 29 +13 HELOCs |
5.9% | 66% | $139,827 | View |
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1 office in Gardendale 665 Fieldstown Rd, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 9 | 1.8% | 64.3% | $262,777 | View |
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★ 1 stars, 1 review 1 office in Gardendale 1325 Decatur Hwy, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +7 HELOCs |
0.8% | 100% | $297,500 | View |
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651 Main St, Gardendale, AL 35071 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 21 | 4.2% | 81.5% | $236,428 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA | 11 | 2.2% | 91.7% | $129,545 | View |
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1101 Main St, Gardendale, AL 35071 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA, VA | 10 | 2% | 100% | $236,000 | View |
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1233 Pecan Ave, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 7 | 1.4% | 100% | $149,285 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
1.2% | 100% | $315,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 4 | 0.8% | 100% | $180,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
FHA, USDA | 4 | 0.8% | 100% | $217,500 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA, VA | 4 | 0.8% | 80% | $200,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.6% | 100% | $275,000 | View |
The HomeTown Bank of Alabama
18045 State Highway 160, Cleveland, AL 35049 |
Conventional | 3 | 0.6% | 100% | $201,666 | |
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19 Helicon Rd, Arley, AL 35541 A5.0 ★Texas Ratio: 10.74% |
Conventional | 3 | 0.6% | 100% | $111,666 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $215,000 | View |
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949 Main St, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $195,000 | View |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $185,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $265,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 2 | 0.4% | 50% | $125,000 | View |
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1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 2 | 0.4% | 100% | $135,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA | 2 | 0.4% | 100% | $130,000 | View |
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9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 2 | 0.4% | 100% | $360,000 | View |
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405 Fieldstown Rd, Gardendale, AL 35071 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +26 HELOCs |
0.2% | 100% | $215,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 50% | $185,000 | View |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $165,000 | View |
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30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
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3601 4th Ave S, Birmingham, AL 35222 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
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1801 5th Ave N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.2% | 100% | $135,000 | View |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 1 | 0.2% | 50% | $375,000 | View |
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337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
America'S First Federal CU
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Conventional, HELOC | 6 +49 HELOCs |
1.2% | 85.7% | $131,666 | |
Hamilton Mortgage Corporation
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Conventional, FHA | 3 | 0.6% | 100% | $201,666 | |
Tjc Mortgage Inc
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Conventional, FHA, VA | 3 | 0.6% | 100% | $255,000 | |
Consumer First Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 47 | 9.5% | 89.1% | $278,404 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 38 | 7.7% | 80.8% | $210,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 13 | 2.6% | 100% | $220,384 | |
Mortgage Research Center
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Conventional, FHA, VA | 12 | 2.4% | 63.2% | $256,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 2.2% | 80% | $203,181 | |
Fairway Independent Mort Corp
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Conventional, FHA | 11 | 2.2% | 84.6% | $245,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 10 | 2% | 100% | $235,000 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 10 | 2% | 83.3% | $334,000 | |
Newrez LLC
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Conventional, FHA, VA | 9 | 1.8% | 75% | $197,222 | |
Leaderone Financial Corp.
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Conventional, FHA, VA, Jumbo | 9 | 1.8% | 100% | $259,444 | |
Cadence Bank
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Conventional, FHA, HELOC | 7 +4 HELOCs |
1.4% | 87.5% | $253,571 | |
CrossCountry Mortgage, LLC
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Conventional | 7 | 1.4% | 100% | $175,000 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 1.4% | 75% | $143,571 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA, VA | 7 | 1.4% | 100% | $175,000 | |
Nationstar Mortgage
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Conventional, VA | 7 | 1.4% | 87.5% | $160,714 | |
Guild Mortgage Company
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Conventional, FHA | 6 | 1.2% | 85.7% | $281,666 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 6 | 1.2% | 85.7% | $328,333 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 5 | 1% | 70% | $261,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA, VA | 5 | 1% | 100% | $337,000 | |
Synovus Bank
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Conventional, FHA | 5 | 1% | 100% | $245,000 | |
Towne Mortgage Company
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Conventional, FHA | 5 | 1% | 100% | $163,000 | |
Kind Lending, LLC
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FHA, VA | 4 | 0.8% | 100% | $260,000 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 4 | 0.8% | 50% | $110,000 | |
New American Funding, LLC.
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FHA, VA | 4 | 0.8% | 100% | $207,500 | |
Hunt Mortgage Corporation
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Conventional, FHA | 4 | 0.8% | 100% | $202,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +3 HELOCs |
0.6% | 60% | $191,666 | |
The Loan Store, Inc
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Conventional, FHA | 3 | 0.6% | 100% | $178,333 | |
American Financial Resources LLC
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FHA | 2 | 0.4% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $120,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.4% | 50% | $135,000 | |
Success Lending, LLC
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FHA | 2 | 0.4% | 100% | $250,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.4% | 100% | $155,000 | |
Filo Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $245,000 | |
AmWest Funding Corp
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Conventional | 2 | 0.4% | 100% | $275,000 | |
HomeBridge Financial Services, Inc
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FHA, VA | 2 | 0.4% | 100% | $315,000 | |
First Colony Mortgage Corporat
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Conventional | 2 | 0.4% | 100% | $145,000 | |
Planet Home Lending, LLC
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FHA | 2 | 0.4% | 100% | $245,000 | |
The Local Lender, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $245,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.4% | 100% | $305,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.4% | 100% | $120,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 2 | 0.4% | 100% | $285,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 2 | 0.4% | 100% | $295,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.4% | 100% | $580,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 2 | 0.4% | 100% | $245,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.4% | 100% | $130,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $235,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.2% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 6.45% |
VA | 1 | 0.2% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.2% | 100% | $155,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
Canopy Mortgage, LLC
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VA | 1 | 0.2% | 100% | $255,000 | |
Nbkc Bank
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Conventional | 1 | 0.2% | 100% | $155,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.2% | 100% | $375,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 8.01% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 33.3% | $35,000 | |
Honda Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $65,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.2% | 100% | $645,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $85,000 | |
Nfm, Inc
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FHA | 1 | 0.2% | 100% | $225,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.2% | 100% | $235,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 50% | $275,000 | View |
Land Home Financial Services,
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Conventional | 1 | 0.2% | 100% | $135,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $335,000 | |
The Mortgage Firm
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Conventional | 1 | 0.2% | 50% | $245,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $195,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
Red River Employees Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Gmfs, LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $405,000 | View |
21St Mortgage
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Conventional | 1 | 0.2% | 33.3% | $105,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.2% | 100% | $455,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.2% | 100% | $255,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $225,000 | |
Southwest Funding LP
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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% | 0% | View | |
Gte Federal Credit Union
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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 | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 12.5% |
Gardendale 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 Gardendale, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Gardendale? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gardendale in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Gardendale, AL
Use these to narrow the list above. Each category shows how many Gardendale, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Gardendale, AL
Independent mortgage companies closed 62 percent of home loans in Gardendale, Alabama in 2025, banks 32.5 percent and credit unions 5.5 percent. Hamilton Mortgage Corporation was the largest mortgage company, Regions Bank the largest bank and eCO Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank 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 Gardendale, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Gardendale, Alabama with 29 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
53 lenders closed FHA loans in Gardendale, Alabama in 2025, led by United Wholesale Mortgage with 20. 30 lenders closed VA loans, led by Mortgage Research Center, 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.
Yes. 45 banks and 14 credit unions closed home loans in Gardendale, Alabama in 2025, alongside 72 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 Gardendale, 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 Gardendale, 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 Gardendale. 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.
