Mortgage Lenders and Brokers in Lincoln, 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
Lincoln, Alabama mortgage lenders include First Bank of AlabamaFirst Bank of Alabama47743 Us Highway 78, Lincoln, AL 35096C+4.0 ★Texas Ratio: 26.59%, Regions BankRegions Bank47685 Us Highway 78, Lincoln, AL 35096A+5.0 ★Texas Ratio: 4.37%, Metro BankMetro Bank47537 Us Highway 78, Lincoln, AL 35096A+5.0 ★Texas Ratio: 5.61%, 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%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA185 N College St, Auburn, AL 36830A+5.0 ★Texas Ratio: 3.68%, Heritage South Credit UnionHeritage South Credit Union3553 US Hwy 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 5.95%, Liberty Mortgage CorporationLiberty Mortgage Corporation305 N Broad St, Albertville, AL 35950, and Wells Fargo Bank NAWells Fargo Bank NA500 Colonial Promenade Pkwy, Alabaster, AL 35007A+5.0 ★Texas Ratio: 5.36%. 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 Lincoln, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lincoln 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 Lincoln, Alabama
Market share is the lender's share of all home loans closed in Lincoln, 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 Lincoln 47743 Us Highway 78, Lincoln, AL 35096 C+4.0 ★Texas Ratio: 26.59% |
Conventional | 8 | 2.4% | 100% | $156,250 | View |
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1 office in Lincoln 47685 Us Highway 78, Lincoln, AL 35096 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 4 +10 HELOCs |
1.2% | 42.9% | $130,000 | View |
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47537 Us Highway 78, Lincoln, AL 35096 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 12 | 3.6% | 88.2% | $99,166 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 8 | 2.4% | 80% | $267,500 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA, VA, USDA | 7 | 2.1% | 100% | $210,714 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, Jumbo | 3 | 0.9% | 57.1% | $555,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.6% | 100% | $605,000 | View |
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3553 US Hwy 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 5.95% |
Conventional | 2 | 0.6% | 100% | $355,000 | View |
Liberty Mortgage Corporation
305 N Broad St, Albertville, AL 35950 |
Conventional | 2 | 0.6% | 100% | $450,000 | |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 66.7% | $190,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 2 | 0.6% | 100% | $250,000 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 50% | $205,000 | View |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
USDA | 1 | 0.3% | 50% | $185,000 | View |
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1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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120 Big Valley Dr, Alexandria, AL 36250 A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.3% | 100% | $585,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
FHA | 1 | 0.3% | 100% | $195,000 | View |
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7170 6th Ave, Altoona, AL 35952 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.3% | 100% | $655,000 | View |
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2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.3% | 100% | $315,000 | 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 +3 HELOCs |
0% | n/a | View | |
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1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02% |
HELOC | 0 +2 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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★ 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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Conventional, HELOC | 5 +15 HELOCs |
1.5% | 100% | $217,000 | |
Hamilton Mortgage Corporation
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FHA, USDA | 2 | 0.6% | 100% | $185,000 | |
CSL Financial, LLC
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Conventional | 2 | 0.6% | 100% | $180,000 | |
Cis Financial Services, Inc.
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 21 | 6.3% | 71.9% | $253,095 | |
Lennar Mortgage, LLC
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Conventional, FHA, VA, USDA | 21 | 6.3% | 87.5% | $189,761 | |
Lendlo Mortgage, LLC
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Conventional, FHA, USDA | 18 | 5.4% | 100% | $167,222 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, Jumbo | 17 | 5.1% | 87% | $333,235 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA, USDA | 15 | 4.5% | 100% | $254,333 | |
Inspire Home Loans Inc.
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Conventional, FHA, USDA | 12 | 3.6% | 85.7% | $216,666 | |
Freedom Mortgage Corporation
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FHA, VA | 10 | 3% | 68.8% | $240,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 7 | 2.1% | 100% | $283,571 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 2.1% | 23.3% | $135,000 | |
Hunt Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.8% | 100% | $238,333 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1.5% | 83.3% | $175,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 5 | 1.5% | 100% | $219,000 | |
Stockton Mortgage Corporation
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Conventional, FHA | 5 | 1.5% | 83.3% | $203,000 | |
21St Mortgage
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Conventional | 5 | 1.5% | 41.7% | $115,000 | |
Equity Prime Mortgage LLC
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FHA, USDA | 4 | 1.2% | 80% | $250,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 4 | 1.2% | 68.4% | $147,500 | View |
Towne Mortgage Company
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Conventional, USDA | 4 | 1.2% | 80% | $170,000 | |
The Loan Store, Inc
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Conventional | 4 | 1.2% | 100% | $155,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 1.2% | 66.7% | $260,000 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 3 | 0.9% | 100% | $188,333 | View |
Newrez LLC
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Conventional, VA | 3 | 0.9% | 50% | $201,666 | |
The Local Lender, LLC
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Conventional, VA, USDA | 3 | 0.9% | 100% | $398,333 | |
Mortgage Research Center
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VA | 3 | 0.9% | 50% | $281,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 0.9% | 50% | $185,000 | |
Spring Eq, LLC
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Conventional | 3 | 0.9% | 60% | $61,666 | |
Honda Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 28.6% | $25,000 | |
Cadence Bank
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Conventional | 2 | 0.6% | 66.7% | $290,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $90,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 2 | 0.6% | 100% | $155,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.6% | 100% | $190,000 | |
Kind Lending, LLC
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FHA | 2 | 0.6% | 66.7% | $225,000 | |
Guild Mortgage Company
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Conventional, VA | 2 | 0.6% | 100% | $250,000 | |
AdvantageFirst Lending Inc
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Conventional, VA | 2 | 0.6% | 100% | $225,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 2 | 0.6% | 100% | $420,000 | |
American Pacific Mortgage Corporation
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Conventional, USDA | 2 | 0.6% | 100% | $290,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.6% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 0.6% | 100% | $115,000 | View |
Paramount Residential Mortgage
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Conventional, VA, Jumbo | 2 | 0.6% | 100% | $635,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 0.6% | 66.7% | $205,000 | |
Leaderone Financial Corp.
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Conventional, FHA | 2 | 0.6% | 100% | $95,000 | |
Tomo Mortgage LLC
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Conventional | 2 | 0.6% | 100% | $340,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $445,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $265,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.3% | 100% | $515,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 50% | $275,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $755,000 | View |
Residential Wholesale Mortgage
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FHA | 1 | 0.3% | 33.3% | $195,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.3% | 50% | $485,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.3% | 100% | $255,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $475,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $405,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $285,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.3% | 42.9% | $265,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 8.3% | $65,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.3% | 50% | $185,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.3% | 100% | $205,000 | View |
Cmg Mortgage Inc
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VA | 1 | 0.3% | 100% | $495,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Das Acquisition Company, LLC
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VA | 1 | 0.3% | 50% | $155,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $5,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $275,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 100% | $225,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $265,000 | View |
Transportation Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $185,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.3% | 100% | $125,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $145,000 | |
The Mortgage Firm
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Conventional | 1 | 0.3% | 100% | $335,000 | |
Acopia, LLC
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FHA | 1 | 0.3% | 100% | $235,000 | |
Endeavor Capital, LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $85,000 | |
Lower, LLC
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FHA | 1 | 0.3% | 100% | $315,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.3% | 100% | $85,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 50% | $225,000 | |
Loan Simple, Inc.
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USDA | 1 | 0.3% | 100% | $195,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.3% | 33.3% | $325,000 | |
Southwest Funding LP
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FHA | 1 | 0.3% | 50% | $235,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Synovus Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Lincoln 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 Lincoln, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Lincoln? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lincoln in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Lincoln, AL
Use these to narrow the list above. Each category shows how many Lincoln, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Lincoln, AL
Independent mortgage companies closed 75.5 percent of home loans in Lincoln, Alabama in 2025, banks 20 percent and credit unions 4.5 percent. Liberty Mortgage Corporation was the largest mortgage company, First Bank of Alabama the largest bank and Heritage South Credit Union the largest credit union. Among lenders headquartered in Alabama, First Bank of Alabama led with 8 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 Lincoln, AL
By home loans closed in 2025, First Bank of Alabama was the largest mortgage lender in Lincoln, Alabama with 8 loans, about 2.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
38 lenders closed FHA loans in Lincoln, Alabama in 2025, led by Lennar Mortgage, LLC with 11. 26 lenders closed VA loans, led by United Wholesale Mortgage, and 13 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. 29 banks and 10 credit unions closed home loans in Lincoln, Alabama in 2025, alongside 77 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 Lincoln, 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 Lincoln, 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 Lincoln. 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.
