Mortgage Lenders and Brokers in Highland Lake, 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
Highland Lake, Alabama mortgage lenders include The HomeTown Bank of AlabamaThe HomeTown Bank of Alabama18045 State Highway 160, Cleveland, AL 35049, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, Metro BankMetro Bank35489 Ushwy 231, Ashville, AL 35953A+5.0 ★Texas Ratio: 5.61%, WinSouth Credit UnionWinSouth Credit Union3512 US Highway 431, ALBERTVILLE, AL 35950 0204A+5.0 ★Texas Ratio: 3.81%, Servisfirst BankServisfirst Bank2320 Moores Mill Rd, Auburn, AL 36830A5.0 ★Texas Ratio: 8.75%, Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL 35209 4921A+5.0 ★Texas Ratio: 3.41%, Bryant BankBryant Bank286 Us Highway 31 S, Athens, AL 35611A+5.0 ★Texas Ratio: 2.46%, Southern Energy Credit UnionSouthern Energy Credit Union925 Quintard Ave, Anniston, AL 36201A+5.0 ★Texas Ratio: 0.41%, Southstate Bank, National AssociationSouthstate Bank, National Association1605 E University Dr, Auburn, AL 36830A+5.0 ★Texas Ratio: 2.27%, and PNC Bank N.A.PNC Bank N.A.10745 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.24%. 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 Highland Lake, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Highland Lake 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 Highland Lake, Alabama
Market share is the lender's share of all home loans closed in Highland Lake, 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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The HomeTown Bank of Alabama
18045 State Highway 160, Cleveland, AL 35049 |
Conventional | 16 | 26.2% | 94.7% | $178,750 | |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, VA, HELOC | 3 +1 HELOCs |
4.9% | 100% | $281,666 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 3 | 4.9% | 100% | $181,666 | View |
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3512 US Highway 431, ALBERTVILLE, AL 35950 0204 A+5.0 ★Texas Ratio: 3.81% |
Conventional | 2 | 3.3% | 66.7% | $135,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, Jumbo | 1 | 1.6% | 100% | $1,505,000 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 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 | |
America'S First Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 5 | 8.2% | 71.4% | $187,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 3 | 4.9% | 100% | $291,666 | |
21St Mortgage
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Conventional | 3 | 4.9% | 71.4% | $138,333 | |
loanDepot.com LLC
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Conventional, VA, HELOC | 2 +1 HELOCs |
3.3% | 66.7% | $190,000 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 3.3% | 66.7% | $335,000 | |
Guaranteed Rate, Inc.
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Conventional | 2 | 3.3% | 100% | $250,000 | |
Everett Financial, Inc.
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Conventional, FHA | 2 | 3.3% | 100% | $75,000 | |
CrossCountry Mortgage, LLC
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FHA, USDA | 2 | 3.3% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 2 | 3.3% | 100% | $330,000 | View |
Cadence Bank
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Conventional, HELOC | 1 +1 HELOCs |
1.6% | 100% | $195,000 | |
Goodleap, LLC
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FHA | 1 | 1.6% | 100% | $245,000 | |
Newrez LLC
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Conventional | 1 | 1.6% | 100% | $95,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 1.6% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.6% | 100% | $175,000 | |
PHH Mortgage Corporation
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VA | 1 | 1.6% | 100% | $335,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.6% | 100% | $55,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.6% | 50% | $45,000 | |
Guild Mortgage Company
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Conventional | 1 | 1.6% | 50% | $155,000 | |
Mortgage Research Center
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VA | 1 | 1.6% | 50% | $295,000 | |
New American Funding, LLC.
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FHA | 1 | 1.6% | 100% | $75,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 1.6% | 100% | $405,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.6% | 50% | $65,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a |
Highland Lake 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 Highland Lake, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Highland Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Highland Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Highland Lake, AL
Use these to narrow the list above. Each category shows how many Highland Lake, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Highland Lake, AL
Independent mortgage companies closed 55.7 percent of home loans in Highland Lake, Alabama in 2025, banks 41 percent and credit unions 3.3 percent. Rocket Mortgage was the largest mortgage company, The HomeTown Bank of Alabama the largest bank and WinSouth Credit Union the largest credit union. Among lenders headquartered in Alabama, The HomeTown Bank of Alabama led with 16 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 Highland Lake, AL
By home loans closed in 2025, The HomeTown Bank of Alabama was the largest mortgage lender in Highland Lake, Alabama with 16 loans, about 26.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Highland Lake, Alabama in 2025, led by Rocket Mortgage with 1. 5 lenders closed VA loans, led by Regions Bank, 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. 10 banks and 4 credit unions closed home loans in Highland Lake, Alabama in 2025, alongside 21 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 Highland Lake, 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 Highland Lake, 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 Highland Lake. 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.
