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Mortgage Lenders and Brokers in Helena, Alabama

Content reviewed by

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

Helena, Alabama mortgage lenders include Regions BankRegions Bank4915 Highway 17, Helena, AL 35080A+5.0 ★Texas Ratio: 4.37%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, 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%, Southpoint BankSouthpoint Bank1096 N Brindlee Mountain Pkwy, Arab, AL 35016F2.8 ★Texas Ratio: 41.33%, Avadian Credit UnionAvadian Credit Union4849 Highway 52 W, Helena, AL 35080 5017A+5.0 ★Texas Ratio: 3.41%, Wells Fargo Bank NAWells Fargo Bank NA500 Colonial Promenade Pkwy, Alabaster, AL 35007A+5.0 ★Texas Ratio: 5.36%, Servisfirst BankServisfirst Bank2320 Moores Mill Rd, Auburn, AL 36830A5.0 ★Texas Ratio: 8.75%, United Community BankUnited Community Bank2121 Highland Ave S, Birmingham, AL 35205A+5.0 ★Texas Ratio: 2.97%, 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 Helena, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Helena 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 Helena, Alabama

Market share is the lender's share of all home loans closed in Helena, 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
Regions Bank 1 office in Helena 4915 Highway 17, Helena, AL 35080 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, VA, Jumbo, HELOC	31 +42 HELOCs	6.5%	72%	$226,612	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, HELOC	23 +2 HELOCs	4.8%	100%	$313,695	View
Trustmark Bank 111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, Jumbo, HELOC	13 +1 HELOCs	2.7%	100%	$396,538	View
Renasant Bank 1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	12	2.5%	100%	$345,833	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA	10	2.1%	90.9%	$293,000	View
Avadian Credit Union 4849 Highway 52 W, Helena, AL 35080 5017 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	6 +29 HELOCs	1.3%	100%	$311,666	View
Wells Fargo Bank NA 500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36%	Conventional	5	1%	100%	$243,000	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.8%	100%	$447,500	View
United Community Bank 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	FHA, VA, HELOC	3 +1 HELOCs	0.6%	60%	$415,000	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional, FHA	3	0.6%	100%	$255,000	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional, HELOC	2 +2 HELOCs	0.4%	66.7%	$205,000	View
eCO Credit Union 791 4th Pl SW, Alabaster, AL 35007 8878 A+5.0 ★Texas Ratio: 3.69%	Conventional	2	0.4%	100%	$125,000	View
Southstate Bank, National Association ★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27%	Conventional	2	0.4%	100%	$550,000	View
Fifth Third Bank, National Association 9064 Memorial Pkwy Sw, Huntsville, AL 35802 A+5.0 ★Texas Ratio: 3.22%	Conventional	2	0.4%	100%	$185,000	View
Southern Energy Credit Union 925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41%	Conventional, HELOC	1 +8 HELOCs	0.2%	100%	$365,000	View
Community Bank of Mississippi 813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$225,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$185,000	View
BankFirst Financial Services 30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47%	Conventional	1	0.2%	100%	$125,000	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional	1	0.2%	100%	$435,000	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional	1	0.2%	100%	$255,000	View
Mutual Savings Credit Union 1030 Lee St, Alexander City, AL 35010 2655 A+5.0 ★Texas Ratio: 1.18%	Conventional	1	0.2%	100%	$85,000	View
Smartbank 337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74%	Conventional	1	0.2%	100%	$255,000	View
Legacy Community Federal Credit Union 810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13%	Conventional	1	0.2%	100%	$315,000	View
Central State Bank 9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93%	Conventional	1	0.2%	100%	$145,000	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.2%	100%	$455,000	View
AlaTrust Credit Union 1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56%	HELOC	0 +1 HELOCs	0%	n/a		View
Jefferson Credit Union 716 Richard Arrington Jr Blvd N, Birmingham, AL 35203 A5.0 ★Texas Ratio: 6.14%	HELOC	0 +1 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 +1 HELOCs	0%	n/a		View
Truist Bank ★ 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
Alabama ONE Credit Union 2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Tjc Mortgage Inc	Conventional, FHA, VA	11	2.3%	84.6%	$378,636
America'S First Federal CU	Conventional, HELOC	1 +30 HELOCs	0.2%	50%	$355,000
Consumer First Mortgage, Inc.	VA	1	0.2%	100%	$255,000
Rocket Mortgage	Conventional, FHA, VA	44	9.2%	86.5%	$210,454
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	26 +1 HELOCs	5.5%	84.4%	$373,076
Fairway Independent Mort Corp	Conventional, FHA, VA	21	4.4%	100%	$344,047
Acrisure Mortgage, LLC	Conventional, FHA, VA	18	3.8%	100%	$358,888
Pennymac Loan Services LLC	Conventional, FHA, VA	14	2.9%	100%	$214,285
Union Home Mortgage Corp.	Conventional, FHA	13	2.7%	100%	$311,923
Cadence Bank	Conventional, Jumbo, HELOC	12 +4 HELOCs	2.5%	85.7%	$397,500
Freedom Mortgage Corporation	FHA, VA, Jumbo	12	2.5%	82.4%	$397,500
Movement Mortgage, LLC	Conventional, FHA, VA	10	2.1%	100%	$236,000
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	9	1.9%	100%	$289,444
CrossCountry Mortgage, LLC	Conventional, FHA, VA	7	1.5%	100%	$340,714
Guild Mortgage Company	Conventional, FHA, VA	7	1.5%	100%	$352,142
Nationstar Mortgage	Conventional, FHA, VA	7	1.5%	100%	$122,142
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	6 +3 HELOCs	1.3%	77.8%	$248,333
New American Funding, LLC.	Conventional, FHA, VA	6	1.3%	85.7%	$316,666
loanDepot.com LLC	Conventional, FHA, VA	5	1%	62.5%	$161,000
Mortgage Research Center	VA	5	1%	50%	$339,000
Synovus Bank	Conventional, VA, HELOC	4 +2 HELOCs	0.8%	66.7%	$465,000
Newrez LLC	FHA, VA	4	0.8%	83.3%	$425,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	4	0.8%	66.7%	$312,500
Guaranteed Rate, Inc.	Conventional, FHA	3	0.6%	100%	$185,000
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	3	0.6%	100%	$398,333
Assurance Financial Group, L.L.C.	Conventional, FHA	3	0.6%	100%	$268,333
Discover Bank	Conventional	3	0.6%	100%	$78,333
New Day Financial, LLC.	VA	3	0.6%	42.9%	$271,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	3	0.6%	100%	$341,666	View
Stockton Mortgage Corporation	Conventional, FHA	3	0.6%	100%	$205,000
Towne Mortgage Company	Conventional, FHA	3	0.6%	100%	$248,333
Carrington Mortgage Services LLC	FHA	3	0.6%	50%	$245,000
Leaderone Financial Corp.	Conventional, FHA, VA	3	0.6%	75%	$301,666
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	2 +1 HELOCs	0.4%	40%	$160,000	View
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	Conventional	2	0.4%	100%	$310,000	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	2	0.4%	100%	$340,000	View
Success Lending, LLC	Conventional, VA	2	0.4%	100%	$260,000
Amerisave Mortgage Company	Conventional	2	0.4%	33.3%	$75,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	2	0.4%	100%	$190,000	View
HomeXpress Mortgage Corp.	Conventional, FHA	2	0.4%	100%	$310,000
Atlantic Bay Mortgage Group	FHA, VA	2	0.4%	100%	$430,000
The Local Lender, LLC	Conventional	2	0.4%	100%	$335,000
American Pacific Mortgage Corporation	Conventional, FHA	2	0.4%	100%	$285,000
Iserve Residential Lending	Conventional	2	0.4%	100%	$295,000
The Loan Store, Inc	Conventional, FHA	2	0.4%	100%	$240,000
Lower, LLC	Conventional	2	0.4%	100%	$305,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	2	0.4%	100%	$385,000	View
Plaza Home Mortgage, Inc	Conventional, FHA	2	0.4%	100%	$215,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.4%	100%	$290,000
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +3 HELOCs	0.2%	100%	$235,000	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$245,000	View
Pentagon Federal Credit Union	VA, HELOC	1 +2 HELOCs	0.2%	100%	$475,000
Cornerstone First Mortgage, LLC	Conventional	1	0.2%	100%	$455,000
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional	1	0.2%	100%	$765,000	View
American Financial Resources LLC	Conventional	1	0.2%	100%	$285,000
Residential Wholesale Mortgage	Conventional	1	0.2%	100%	$275,000
Everett Financial, Inc.	Conventional	1	0.2%	100%	$665,000
Canopy Mortgage, LLC	Conventional	1	0.2%	100%	$245,000
Fed Ex Employees Credit Association	Conventional	1	0.2%	100%	$185,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.2%	100%	$175,000	View
Resicentral LLC	Conventional	1	0.2%	100%	$335,000
Princeton Mortgage Corporation	FHA	1	0.2%	100%	$215,000
AdvantageFirst Lending Inc	FHA	1	0.2%	33.3%	$325,000
Cmg Mortgage Inc	Conventional	1	0.2%	100%	$365,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.2%	100%	$355,000	View
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.2%	100%	$345,000
American Financing Corporation	FHA	1	0.2%	50%	$365,000
First Colony Mortgage Corporat	Conventional	1	0.2%	100%	$285,000
Chevron Federal Credit Union	Conventional	1	0.2%	100%	$355,000
Transportation Federal Credit Union	Conventional	1	0.2%	100%	$75,000
Peoples Mortgage Company	FHA	1	0.2%	100%	$405,000
Planet Home Lending, LLC	VA	1	0.2%	100%	$295,000
Embrace Home Loans, Inc.	Conventional	1	0.2%	100%	$265,000
BoxCar Mortgage, LLC	Conventional	1	0.2%	100%	$285,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0.2%	100%	$155,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0.2%	100%	$415,000	View
Milend, Inc	Conventional	1	0.2%	100%	$285,000
First South Farm Credit, ACA	Conventional	1	0.2%	100%	$805,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.2%	100%	$405,000	View
Better Mortgage Corporation	Conventional	1	0.2%	100%	$415,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.2%	100%	$285,000
Endeavor Capital, LLC	Conventional	1	0.2%	100%	$165,000
Nations Direct Mortgage, LLC	FHA	1	0.2%	100%	$195,000
Gmfs, LLC	FHA	1	0.2%	100%	$285,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.2%	100%	$545,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.2%	33.3%	$75,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.2%	14.3%	$305,000
Southwest Funding LP	Conventional	1	0.2%	100%	$315,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +5 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Connexus Credit Union	HELOC	0 +1 HELOCs	0%	0%
Spring Eq, LLC	HELOC	0 +1 HELOCs	0%	0%

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.

Helena 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 Helena, Alabama

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

Types of Mortgage Lenders in Helena, AL

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

Mortgage companies and brokers 67 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 18 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 44 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 31 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 5 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 19 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Helena, AL

Independent mortgage companies closed 62.3 percent of home loans in Helena, Alabama in 2025, banks 33.1 percent and credit unions 4.6 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and Avadian Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 31 loans.

62.3%

Mortgage companies

33.1%

Banks

4.6%

Credit unions

21%

FHA loans

13%

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 Helena, AL

Who is the largest mortgage lender in Helena, AL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Helena, Alabama with 31 loans, about 6.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

44 lenders closed FHA loans in Helena, Alabama in 2025, led by United Wholesale Mortgage with 12. 31 lenders closed VA loans, led by United Wholesale Mortgage. 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 Helena, AL lender list?

Yes. 40 banks and 18 credit unions closed home loans in Helena, Alabama in 2025, alongside 67 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 Helena, AL ranked on this page?

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