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Mortgage Lenders and Brokers in Gulf Shores, Alabama

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Gulf Shores, Alabama mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association1560 W 2nd St, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 2.27%, Regions BankRegions Bank1400 Gulf Shores Pkwy, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 4.37%, Community Bank of MississippiCommunity Bank of Mississippi250 West Fort Morgan Road, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 3.09%, First Cahawba BankFirst Cahawba Bank144 Cove Ave, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 0.96%, Wells Fargo Bank NAWells Fargo Bank NA1617 Gulf Shores Pkwy, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 5.36%, Renasant BankRenasant Bank205 E 20th Ave, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 4.72%, Centennial BankCentennial Bank2201 W 1st St, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 3.14%, PNC Bank N.A.PNC Bank N.A.3830 Gulf Shores Pkwy, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 4.24%, Hancock Whitney BankHancock Whitney Bank1801 Gulf Shores Pkwy, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 3.41%, and Truist BankTruist Bank1500 Gulf Shores Pkwy, Gulf Shores, AL 36542A+5.0 ★Texas Ratio: 2.87%. 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 Gulf Shores, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gulf Shores 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 Gulf Shores, Alabama

Market share is the lender's share of all home loans closed in Gulf Shores, 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
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Gulf Shores 1560 W 2nd St, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 2.27%	Conventional, Jumbo, HELOC	57 +5 HELOCs	7%	93.5%	$562,017	View
Regions Bank 1 office in Gulf Shores 1400 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, HELOC	27 +16 HELOCs	3.3%	76.9%	$353,148	View
Community Bank of Mississippi 1 office in Gulf Shores 250 West Fort Morgan Road, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 3.09%	Conventional, Jumbo, HELOC	23 +6 HELOCs	2.8%	100%	$366,304	View
First Cahawba Bank 1 office in Gulf Shores 144 Cove Ave, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 0.96%	Conventional	5	0.6%	100%	$501,000	View
Wells Fargo Bank NA 1 office in Gulf Shores 1617 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	4	0.5%	66.7%	$412,500	View
Renasant Bank 1 office in Gulf Shores 205 E 20th Ave, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	3 +3 HELOCs	0.4%	100%	$551,666	View
Centennial Bank 1 office in Gulf Shores 2201 W 1st St, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 3.14%	Conventional, FHA, HELOC	2 +1 HELOCs	0.2%	100%	$345,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Gulf Shores 3830 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +11 HELOCs	0.1%	50%	$385,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1 office in Gulf Shores 1801 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	1 +5 HELOCs	0.1%	100%	$345,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Gulf Shores 1500 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	1 +3 HELOCs	0.1%	100%	$435,000	View
Merchants & Marine Bank 1 office in Gulf Shores 1820 Gulf Shores Pkwy, Gulf Shores, AL 36542 A5.0 ★Texas Ratio: 9.99%	Conventional	1	0.1%	50%	$805,000	View
Firstbank 113 E 20th Ave, Gulf Shores, AL 36542 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, Jumbo	14	1.7%	100%	$399,285	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA, VA	11	1.4%	91.7%	$370,454	View
Alabama Credit Union 1700 Gulf Shores Pkwy, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 5.72%	Conventional	7	0.9%	63.6%	$199,285	View
First Horizon Bank ★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	6 +1 HELOCs	0.7%	85.7%	$466,666	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	6	0.7%	60%	$1,010,000	View
West Alabama Bank & Trust 4 3rd Ave Nw, Aliceville, AL 35442 A5.0 ★Texas Ratio: 7.03%	Conventional	6	0.7%	100%	$505,000	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.6%	83.3%	$501,000	View
Metro Bank 35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61%	Conventional	5	0.6%	100%	$515,000	View
Traditions Bank 19 Helicon Rd, Arley, AL 35541 A5.0 ★Texas Ratio: 10.74%	Conventional, Jumbo	5	0.6%	100%	$599,000	View
Trustmark Bank 111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40%	Conventional, HELOC	4 +3 HELOCs	0.5%	100%	$305,000	View
AmeriFirst Bank 2694 Hilton Garden Drive, Auburn, AL 36830 A+5.0 ★Texas Ratio: 5.61%	Conventional, Jumbo	4	0.5%	100%	$1,142,500	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional	4	0.5%	100%	$435,000	View
BankFirst Financial Services 30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$238,333	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo	3	0.4%	100%	$698,333	View
First Metro Bank 309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01%	Conventional, Jumbo	3	0.4%	100%	$1,078,333	View
Smartbank 337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74%	Conventional	3	0.4%	100%	$588,333	View
United Bank 164 Lindbert Avenue, Atmore, AL 36502 A+5.0 ★Texas Ratio: 2.15%	Conventional, Jumbo	3	0.4%	100%	$541,666	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.2%	100%	$595,000	View
New Horizons Credit Union 7146 Stone Dr, Daphne, AL 36526 4825 A+5.0 ★Texas Ratio: 2.51%	Conventional	2	0.2%	100%	$235,000	View
Max Credit Union 336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18%	Conventional	2	0.2%	100%	$250,000	View
Century Bank 861 Edwards Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.56%	Conventional, Jumbo	2	0.2%	66.7%	$1,200,000	View
Central State Bank 9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93%	Conventional, Jumbo	2	0.2%	100%	$1,545,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	2	0.2%	100%	$380,000	View
All In Credit Union 609 Ozark Rd, Abbeville, AL 36310	Conventional, HELOC	1 +2 HELOCs	0.1%	66.7%	$185,000
Bankplus 1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$505,000	View
Guardian Credit Union 1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47%	Conventional	1	0.1%	100%	$385,000	View
Commerceonebank 17 20th St N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$595,000	View
Liberty Bank 305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$335,000	View
eCO Credit Union 791 4th Pl SW, Alabaster, AL 35007 8878 A+5.0 ★Texas Ratio: 3.69%	Conventional	1	0.1%	100%	$35,000	View
Robertson Banking Company 1801 5th Ave N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$105,000	View
Marion Community Bank 312 1st Street North, Clanton, AL 35045 C3.8 ★Texas Ratio: 23.16%	Conventional	1	0.1%	100%	$195,000	View
First Nation Bank and Trust 104 Lindberg Ave, Atmore, AL 36502	Conventional	1	0.1%	100%	$475,000
Legacy Community Federal Credit Union 810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13%	Conventional	1	0.1%	50%	$595,000	View
The Exchange Bank of Alabama 7170 6th Ave, Altoona, AL 35952 A+5.0 ★Texas Ratio: 0.17%	Conventional, Jumbo	1	0.1%	100%	$865,000	View
Citizens Bank & Trust 324 N Broad St, Albertville, AL 35950 A-4.3 ★Texas Ratio: 0.87%	Conventional	1	0.1%	100%	$455,000	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	HELOC	0 +2 HELOCs	0%	n/a		View
Redstone Federal Credit Union 1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10%	HELOC	0 +2 HELOCs	0%	n/a		View
Pinnacle Bank 112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04%	HELOC	0 +1 HELOCs	0%	n/a		View
United Community Bank 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Alabama ONE Credit Union 2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	2	0.2%	100%	$380,000	View
CSL Financial, LLC	Conventional	1	0.1%	100%	$75,000
America'S First Federal CU	Conventional	1	0.1%	100%	$405,000
Rocket Mortgage	Conventional, FHA, VA, Jumbo	55	6.8%	75%	$328,818
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	42 +4 HELOCs	5.2%	91.3%	$503,095
Movement Mortgage, LLC	Conventional, FHA, Jumbo	41	5%	92.5%	$512,317
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, Jumbo, HELOC	24 +21 HELOCs	3%	85.7%	$490,416	View
Newrez LLC	Conventional, VA, Jumbo	22	2.7%	88.9%	$370,000
Synergy One Lending, Inc.	Conventional, FHA, VA, Jumbo	15	1.8%	100%	$551,000
Cornerstone First Mortgage, LLC	Conventional, VA, Jumbo	14	1.7%	100%	$803,571
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	11	1.4%	73.3%	$344,090
Mortgage Research Center	Conventional, VA	11	1.4%	78.6%	$425,909
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA	11	1.4%	100%	$369,545	View
Guild Mortgage Company	Conventional, FHA	10	1.2%	91.7%	$384,000
Cadence Bank	Conventional, Jumbo, HELOC	9 +6 HELOCs	1.1%	100%	$488,333
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	8 +3 HELOCs	1%	64.3%	$293,750
Canopy Mortgage, LLC	Conventional, FHA, VA	8	1%	100%	$396,250
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional, FHA, VA, Jumbo	8	1%	88.9%	$383,750	View
Union Home Mortgage Corp.	Conventional	8	1%	100%	$502,500
Nations Lending Corporation	Conventional, FHA, VA	8	1%	100%	$316,250
Nationstar Mortgage	Conventional, FHA	8	1%	72.7%	$176,250
The Loan Store, Inc	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.9%	75%	$483,571
Acrisure Mortgage, LLC	Conventional, FHA, VA	7	0.9%	100%	$495,000
CrossCountry Mortgage, LLC	Conventional, VA, Jumbo	7	0.9%	100%	$499,285
Kind Lending, LLC	Conventional, FHA	7	0.9%	63.6%	$277,857
Deephaven Mortgage LLC	Conventional	6	0.7%	85.7%	$378,333
Capital City Home Loans, LLC A+5.0 ★Texas Ratio: 2.55%	Conventional, Jumbo	6	0.7%	100%	$663,333	View
Arc Home LLC	Conventional	5	0.6%	100%	$293,000
Guaranteed Rate, Inc.	Conventional	5	0.6%	100%	$325,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	5	0.6%	100%	$387,000	View
Citadel Servicing Corporation	Conventional	5	0.6%	100%	$357,000
New American Funding, LLC.	Conventional, FHA	5	0.6%	100%	$267,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	0.6%	100%	$877,000	View
American Financial Resources LLC	Conventional	4	0.5%	100%	$415,000
Everett Financial, Inc.	Conventional, FHA, VA	4	0.5%	100%	$470,000
Southeast Mortgage of Georgia, Inc.	Conventional	4	0.5%	100%	$435,000
Gmfs, LLC	Conventional, FHA	4	0.5%	100%	$307,500
Plaza Home Mortgage, Inc	Conventional	4	0.5%	66.7%	$302,500
loanDepot.com LLC	Conventional, VA, HELOC	3 +1 HELOCs	0.4%	71.4%	$311,666
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	100%	$345,000	View
Freedom Mortgage Corporation	FHA, VA	3	0.4%	60%	$275,000
Eustis Mortgage Corp	Conventional, FHA, Jumbo	3	0.4%	100%	$505,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo	3	0.4%	100%	$458,333	View
HomeXpress Mortgage Corp.	Conventional, Jumbo	3	0.4%	75%	$475,000
Lendsure Mortgage Corp.	Conventional, Jumbo	3	0.4%	80%	$791,666
Mutual of Omaha Mortgage	Conventional	3	0.4%	100%	$285,000
Fairway Independent Mort Corp	Conventional	3	0.4%	100%	$335,000
DHI Mortgage Company, LTD.	Conventional, FHA	3	0.4%	100%	$438,333
Ascend Federal Credit Union	Conventional	3	0.4%	100%	$428,333
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	3	0.4%	75%	$221,666	View
Ark-La-Tex Financial Services LLC	Conventional	3	0.4%	100%	$575,000
PenAir Credit Union	Conventional, FHA, HELOC	2 +3 HELOCs	0.2%	50%	$275,000
Spring Eq, LLC	Conventional, HELOC	2 +2 HELOCs	0.2%	40%	$135,000
Tyndall Federal Credit Union A+5.0 ★Texas Ratio: 0.96%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$330,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional	2	0.2%	100%	$415,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	Conventional	2	0.2%	100%	$550,000	View
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.2%	100%	$260,000	View
AmeriHome Mortgage Company, LLC	Conventional, FHA	2	0.2%	100%	$555,000
PHH Mortgage Corporation	Conventional	2	0.2%	100%	$660,000
Amerisave Mortgage Company	Conventional, FHA	2	0.2%	50%	$325,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional, Jumbo	2	0.2%	100%	$1,120,000	View
AdvantageFirst Lending Inc	Conventional, VA	2	0.2%	66.7%	$325,000
Cmg Mortgage Inc	VA	2	0.2%	75%	$645,000
Nfm, Inc	Conventional	2	0.2%	100%	$205,000
Churchill Mortgage Corporation	Conventional	2	0.2%	100%	$320,000
Planet Home Lending, LLC	Conventional, VA	2	0.2%	100%	$700,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	2	0.2%	100%	$425,000	View
The Mortgage Firm	Conventional	2	0.2%	100%	$345,000
Acopia, LLC	Conventional, FHA	2	0.2%	100%	$380,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	2	0.2%	100%	$480,000	View
Franklin Bank & Trust Company A5.0 ★Texas Ratio: 6.93%	Conventional, Jumbo	2	0.2%	100%	$1,500,000	View
Compass Mortgage, Inc.	Conventional	2	0.2%	100%	$495,000
Carrington Mortgage Services LLC	Conventional	2	0.2%	66.7%	$50,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.2%	100%	$475,000	View
Pentagon Federal Credit Union	VA, Jumbo, HELOC	1 +4 HELOCs	0.1%	100%	$1,025,000
Bank of Springfield A5.0 ★Texas Ratio: 13.68%	Conventional	1	0.1%	100%	$225,000	View
Hearthside Bank Corporation A+5.0 ★Texas Ratio: 2.76%	Conventional	1	0.1%	100%	$935,000	View
Verus	Conventional	1	0.1%	100%	$215,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$125,000	View
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional	1	0.1%	100%	$325,000	View
American Airlines Federal Cred	Conventional	1	0.1%	100%	$405,000
Generations Bank A5.0 ★Texas Ratio: 10.01%	Conventional	1	0.1%	100%	$615,000	View
Old National Bank A+5.0 ★Texas Ratio: 4.98%	Conventional	1	0.1%	100%	$505,000	View
Zions Bancorporation, N.A. A+5.0 ★Texas Ratio: 3.72%	Conventional	1	0.1%	100%	$665,000	View
South Central Bank Inc A+5.0 ★Texas Ratio: 2.83%	Conventional	1	0.1%	100%	$505,000	View
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	50%	$275,000	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$665,000	View
SWBC Mortgage Corporation	FHA	1	0.1%	100%	$395,000
Lakeview Loan Servicing, LLC	VA, Jumbo	1	0.1%	33.3%	$915,000
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$205,000	View
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$345,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.1%	100%	$435,000
Nbkc Bank	Conventional	1	0.1%	100%	$295,000
Bonvenu Bank, Na A+5.0 ★Texas Ratio: 0.95%	Conventional, Jumbo	1	0.1%	100%	$1,175,000	View
Fcb Banks A5.0 ★Texas Ratio: 7.31%	Conventional	1	0.1%	100%	$225,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$445,000	View
American Financial Network, Inc.	FHA	1	0.1%	100%	$355,000
FNB Bank Inc	Conventional, Jumbo	1	0.1%	100%	$1,015,000
Southern Bank A5.0 ★Texas Ratio: 6.11%	Conventional	1	0.1%	100%	$145,000	View
PFN Lending Group, Inc.	Conventional	1	0.1%	100%	$355,000
CedarStone Bank	Conventional	1	0.1%	100%	$705,000
Liberty Savings Bank, FSB	Conventional	1	0.1%	100%	$275,000
Osb Community Bank A+5.0 ★Texas Ratio: 2.75%	Conventional	1	0.1%	100%	$415,000	View
Credit Union Mortgage Associat	Conventional	1	0.1%	100%	$225,000
BankTennessee	Conventional, Jumbo	1	0.1%	100%	$945,000
American Heritage Lending, LLC	Conventional, Jumbo	1	0.1%	100%	$1,005,000
Great Southern Bank A5.0 ★Texas Ratio: 7.29%	Conventional	1	0.1%	100%	$45,000	View
Resource Bank	Conventional, Jumbo	1	0.1%	100%	$1,255,000
Service Federal Credit Union	Conventional	1	0.1%	100%	$255,000
First Mid Bank and Trust, NA A+5.0 ★Texas Ratio: 3.88%	Conventional	1	0.1%	100%	$435,000	View
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.1%	100%	$155,000	View
Rayne State Bank & Trust Co A+5.0 ★Texas Ratio: 2.57%	Conventional, Jumbo	1	0.1%	100%	$1,325,000	View
Stg Mortgage Inc	Conventional	1	0.1%	100%	$395,000
New Day Financial, LLC.	VA	1	0.1%	66.7%	$195,000
Bank of Holly Springs C+4.2 ★Texas Ratio: 24.96%	Conventional	1	0.1%	100%	$245,000	View
Centennial Bank A5.0 ★Texas Ratio: 9.59%	Conventional	1	0.1%	100%	$155,000	View
Reliable Holdings Manager dba Lendz Financial	Conventional	1	0.1%	100%	$455,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$445,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	100%	$245,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$205,000	View
Milend, Inc	FHA	1	0.1%	100%	$385,000
Gulf Winds Credit Union	Conventional	1	0.1%	33.3%	$95,000
First National Bank in DeRidder	Conventional, Jumbo	1	0.1%	100%	$1,035,000
Saygo Home Loans, LLC	VA	1	0.1%	100%	$315,000
Independent Bank A+5.0 ★Texas Ratio: 1.45%	Conventional	1	0.1%	100%	$425,000	View
Heritage Community Bank B4.5 ★Texas Ratio: 21.03%	Conventional	1	0.1%	100%	$775,000	View
Stockton Mortgage Corporation	FHA	1	0.1%	100%	$415,000
Mission Loans, LLC	Conventional	1	0.1%	100%	$105,000
Ardri LLC	Conventional	1	0.1%	100%	$615,000
Towne Mortgage Company	Conventional	1	0.1%	100%	$225,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$305,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$355,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0.1%	100%	$775,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
Nations Direct Mortgage, LLC	VA	1	0.1%	100%	$505,000
Keystone Savings Bank A5.0 ★Texas Ratio: 8.70%	Conventional	1	0.1%	100%	$365,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$355,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	50%	$185,000
The Park National Bank A5.0 ★Texas Ratio: 6.62%	Conventional	1	0.1%	100%	$815,000	View
Bank Of Yazoo A+5.0 ★Texas Ratio: 0.05%	Conventional	1	0.1%	100%	$775,000	View
Lower, LLC	Conventional	1	0.1%	33.3%	$275,000
Bank Five Nine A5.0 ★Texas Ratio: 8.25%	Conventional	1	0.1%	100%	$435,000	View
Red River Bank A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$645,000	View
Red River Employees Federal Credit Union	Conventional	1	0.1%	100%	$465,000
North Salem State Bank A5.0 ★Texas Ratio: 6.01%	Conventional, Jumbo	1	0.1%	100%	$965,000	View
The Citizens Bank A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.1%	100%	$615,000	View
Keesler Federal Credit Union	Conventional	1	0.1%	100%	$85,000
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$345,000
First United Bank & Trust Company B+4.1 ★Texas Ratio: 2.80%	Conventional	1	0.1%	100%	$545,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$475,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$685,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$545,000
Iroquois Federal Savings & Loan Association	Conventional	1	0.1%	100%	$425,000
First State Bank A5.0 ★Texas Ratio: 10.01%	Conventional	1	0.1%	100%	$505,000	View
Figure Lending LLC	HELOC	0 +6 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	0%
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	0%
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +1 HELOCs	0%	n/a		View
Republic Bank & Trust A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +1 HELOCs	0%	n/a		View
Ussfcu	HELOC	0 +1 HELOCs	0%	n/a
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Gulf Shores Mortgage Rate Trends

Daily average mortgage rates for Alabama compared with the national average, updated every evening.

30-Year Fixed AL Avg

7.159%

▲ 0.056 vs 7 days ago

15-Year Fixed AL Avg

6.723%

▲ 0.014 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Gulf Shores, Alabama

Looking for mortgage lenders near me or mortgage brokers near me in Gulf Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gulf Shores in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Gulf Shores, AL

Use these to narrow the list above. Each category shows how many Gulf Shores, AL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 80 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 108 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 33 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 32 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 45 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 33 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Gulf Shores, AL

Independent mortgage companies closed 50.4 percent of home loans in Gulf Shores, Alabama in 2025, banks 44.6 percent and credit unions 4.9 percent. CSL Financial, LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Alabama Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 27 loans.

50.4%

Mortgage companies

44.6%

Banks

4.9%

Credit unions

FHA loans

VA 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

All Alabama lenders 790 lenders Huntsville 310 lenders Mobile 230 lenders Montgomery 208 lenders Hoover 215 lenders Tuscaloosa 212 lenders Birmingham 194 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders

Frequently Asked Questions About Mortgage Lenders in Gulf Shores, AL

Who is the largest mortgage lender in Gulf Shores, AL?

By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Gulf Shores, Alabama with 57 loans, about 7 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 27 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Gulf Shores, AL have the highest approval rates?

Among lenders with meaningful volume in Gulf Shores, Alabama, Southstate Bank, National Association approved the highest share of completed applications in 2025 at 93.5 percent, against a 87.4 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.

Which Gulf Shores, AL mortgage lenders offer FHA, VA and USDA loans?

33 lenders closed FHA loans in Gulf Shores, Alabama in 2025, led by United Wholesale Mortgage with 4. 32 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Gulf Shores, AL lender list?

Yes. 108 banks and 26 credit unions closed home loans in Gulf Shores, Alabama in 2025, alongside 80 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.

How are mortgage lenders in Gulf Shores, AL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Gulf Shores, 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 Gulf Shores, 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 Gulf Shores. 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.