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Mortgage Lenders and Brokers in Madison, Alabama

Content reviewed by

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

Madison, Alabama mortgage lenders include Trustmark BankTrustmark Bank12050 County Line Rd, Madison, AL 35756A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank8926 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 4.37%, Southstate Bank, National AssociationSouthstate Bank, National Association8153 Highway 72 W, Madison, AL 35758A+5.0 ★Texas Ratio: 2.27%, Renasant BankRenasant Bank7600 Highway 72 W, Madison, AL 35758A+5.0 ★Texas Ratio: 4.72%, Wells Fargo Bank NAWells Fargo Bank NA9044 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 5.36%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA8160 Highway 72 W, Madison, AL 35758A+5.0 ★Texas Ratio: 3.68%, Pinnacle BankPinnacle Bank11 Hughes Rd, Madison, AL 35758A+5.0 ★Texas Ratio: 3.04%, Truist BankTruist Bank8857 Madison Blvd, Madison, AL 35758A+5.0 ★Texas Ratio: 2.87%, United Community BankUnited Community Bank8337 Highway 72 W, Madison, AL 35758A+5.0 ★Texas Ratio: 2.97%, and First Horizon BankFirst Horizon Bank53 Hughes Rd, Madison, AL 35758A+5.0 ★Texas Ratio: 5.76%. 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 Madison, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Madison 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 Madison, Alabama

Market share is the lender's share of all home loans closed in Madison, 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
Trustmark Bank 1 office in Madison 12050 County Line Rd, Madison, AL 35756 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, VA, Jumbo, HELOC	35 +4 HELOCs	3.5%	100%	$506,428	View
Regions Bank 4 offices in Madison 8926 Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 4.37%	Conventional, VA, HELOC	22 +46 HELOCs	2.2%	70.7%	$256,818	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Madison 8153 Highway 72 W, Madison, AL 35758 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, VA, Jumbo, HELOC	17 +4 HELOCs	1.7%	94.4%	$552,647	View
Renasant Bank 1 office in Madison 7600 Highway 72 W, Madison, AL 35758 A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA, VA, Jumbo, HELOC	15 +2 HELOCs	1.5%	93.8%	$439,000	View
Wells Fargo Bank NA 1 office in Madison 9044 Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 5.36%	Conventional	9	0.9%	90.9%	$343,888	View
JPMorgan Chase Bank, NA 2 offices in Madison 8160 Highway 72 W, Madison, AL 35758 A+5.0 ★Texas Ratio: 3.68%	Conventional	8	0.8%	100%	$286,250	View
Pinnacle Bank 1 office in Madison 11 Hughes Rd, Madison, AL 35758 A+5.0 ★Texas Ratio: 3.04%	Conventional	6	0.6%	85.7%	$110,000	View
Truist Bank ★ 1 stars, 1 review 2 offices in Madison 8857 Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	5 +3 HELOCs	0.5%	100%	$373,000	View
United Community Bank 1 office in Madison 8337 Highway 72 W, Madison, AL 35758 A+5.0 ★Texas Ratio: 2.97%	Conventional, VA, HELOC	3 +3 HELOCs	0.3%	100%	$235,000	View
First Horizon Bank ★ 5 stars, 1 review 1 office in Madison 53 Hughes Rd, Madison, AL 35758 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	3 +2 HELOCs	0.3%	75%	$501,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Madison 3735 Sullivan St, Madison, AL 35758 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +8 HELOCs	0.2%	100%	$280,000	View
First National Bank of Pulaski 1 office in Madison 503 Town Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 2.25%	Conventional	2	0.2%	100%	$245,000	View
Redstone Federal Credit Union 4005 Lawson Ridge Dr, Madison, AL 35757 A+5.0 ★Texas Ratio: 2.10%	Conventional, FHA, VA, HELOC	50 +134 HELOCs	5.1%	96.2%	$295,200	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, VA, HELOC	27 +2 HELOCs	2.7%	100%	$285,000	View
Avadian Credit Union 8566 Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 3.41%	Conventional, VA, HELOC	13 +3 HELOCs	1.3%	100%	$522,692	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional, HELOC	6 +1 HELOCs	0.6%	100%	$391,666	View
Smartbank 337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74%	Conventional, VA, HELOC	6 +1 HELOCs	0.6%	100%	$535,000	View
CB&S Bank 8018 Highway 72 W, Madison, AL 35758 C3.6 ★Texas Ratio: 21.51%	Conventional, Jumbo, HELOC	4 +6 HELOCs	0.4%	100%	$692,500	View
River Bank & Trust 3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	4 +3 HELOCs	0.4%	100%	$232,500	View
Bank Independent 11254 County Line Rd, Madison, AL 35756 A+5.0 ★Texas Ratio: 1.45%	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.4%	100%	$617,500	View
North Alabama Bank 30010 Ardmore Ave, Ardmore, AL 35739 A+5.0 ★Texas Ratio: 0.99%	Conventional	4	0.4%	80%	$252,500	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	Conventional	4	0.4%	100%	$375,000	View
Merit Bank 3810 Governors Drive Nw, Huntsville, AL 35805 A+5.0 ★Texas Ratio: 0.43%	Conventional	3	0.3%	100%	$325,000	View
EvaBank 8848 Madison Blvd, Madison, AL 35758 A5.0 ★Texas Ratio: 6.16%	Conventional	3	0.3%	75%	$25,000	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	Conventional	2	0.2%	100%	$630,000	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	VA	1	0.1%	100%	$415,000	View
Bank of Frankewing 14226 Highway 231 431 N, Hazel Green, AL 35750 F2.7 ★Texas Ratio: 42.60%	VA	1	0.1%	50%	$505,000	View
Emblem Credit Union 1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02%	Conventional	1	0.1%	100%	$335,000	View
Listerhill Credit Union 22223 US 72, Athens, AL 35613 A+5.0 ★Texas Ratio: 3.96%	Conventional	1	0.1%	100%	$65,000	View
Family Security Credit Union 8230 Madison Blvd, Madison, AL 35758 2002 A+5.0 ★Texas Ratio: 1.16%	Conventional	1	0.1%	100%	$75,000	View
Premier Bank of the South 8803 Madison Blvd, Madison, AL 35758 A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$165,000	View
First Metro Bank 309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$145,000	View
North Alabama Educators Credit Union 7559 Highway 72 W Ste 114, Madison, AL 35758 8816 A+5.0 ★Texas Ratio: 3.45%	Conventional	1	0.1%	100%	$45,000	View
First Jackson Bank, Inc 50550 Al Highway 277, Bridgeport, AL 35740 A+5.0 ★Texas Ratio: 1.03%	Conventional	1	0.1%	100%	$435,000	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional	1	0.1%	100%	$525,000	View
Central State Bank 9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93%	Conventional	1	0.1%	100%	$155,000	View
Max Credit Union 336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18%	HELOC	0 +1 HELOCs	0%	n/a		View
CSL Financial, LLC	Conventional	7	0.7%	100%	$56,428
Hamilton Mortgage Corporation	Conventional, FHA	5	0.5%	100%	$185,000
America'S First Federal CU	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA	100	10.1%	88.1%	$233,200
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	76 +3 HELOCs	7.7%	89.9%	$414,078
Lennar Mortgage, LLC	Conventional, FHA, VA	35	3.5%	73.5%	$243,000
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	31	3.1%	87.5%	$461,129
Canopy Mortgage, LLC	Conventional, FHA, VA, Jumbo	31	3.1%	100%	$426,290
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	26 +8 HELOCs	2.6%	96.3%	$300,384
Stockton Mortgage Corporation	Conventional, FHA, VA	25	2.5%	100%	$359,400
Pennymac Loan Services LLC	Conventional, FHA, VA	20	2%	69%	$259,000
DHI Mortgage Company, LTD.	Conventional, FHA, VA	18	1.8%	94.7%	$235,000
Assurance Financial Group, L.L.C.	Conventional, FHA, VA	16	1.6%	100%	$398,750
Nationstar Mortgage	Conventional, VA	14	1.4%	78.9%	$115,000
Mortgage Research Center	FHA, VA	14	1.4%	65.2%	$458,571
loanDepot.com LLC	Conventional, FHA, VA, HELOC	12 +2 HELOCs	1.2%	92.9%	$208,333
Fairway Independent Mort Corp	Conventional, FHA, VA	12	1.2%	92.3%	$343,333
First Colony Mortgage Corporat	Conventional, FHA, VA	11	1.1%	100%	$353,181
Planet Home Lending, LLC	Conventional, FHA, VA	10	1%	100%	$396,000
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional, FHA, VA	9	0.9%	100%	$368,333	View
New American Funding, LLC.	Conventional, VA	9	0.9%	90%	$518,333
Contour Mortgage Corporation	Conventional, VA	8	0.8%	88.9%	$332,500
Movement Mortgage, LLC	Conventional, VA	8	0.8%	100%	$427,500
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	7	0.7%	100%	$309,285	View
Amerisave Mortgage Company	Conventional, FHA, VA, Jumbo	7	0.7%	40%	$229,285
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	6 +7 HELOCs	0.6%	100%	$410,000	View
The Loan Store, Inc	Conventional, HELOC	6 +2 HELOCs	0.6%	100%	$361,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	6	0.6%	60%	$436,666	View
Cadence Bank	Conventional, FHA, HELOC	5 +5 HELOCs	0.5%	100%	$411,000
Guaranteed Rate, Inc.	Conventional, VA	5	0.5%	71.4%	$483,000
Union Home Mortgage Corp.	Conventional, FHA, VA	5	0.5%	83.3%	$501,000
Better Mortgage Corporation	Conventional, FHA	5	0.5%	83.3%	$465,000
TowneBank	Conventional, FHA, VA, Jumbo	5	0.5%	100%	$463,000
Mutual of Omaha Mortgage	Conventional, VA	5	0.5%	71.4%	$383,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	5	0.5%	71.4%	$303,000	View
Village Capital & Investment	VA	5	0.5%	100%	$471,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	4	0.4%	100%	$337,500	View
Newrez LLC	Conventional, VA	4	0.4%	71.4%	$350,000
CrossCountry Mortgage, LLC	Conventional, FHA, VA	4	0.4%	100%	$207,500
Atlantic Bay Mortgage Group	Conventional, VA	4	0.4%	100%	$435,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	4	0.4%	100%	$350,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	4	0.4%	80%	$595,000	View
Synovus Bank	Conventional, Jumbo, HELOC	3 +4 HELOCs	0.3%	100%	$821,666
Pentagon Federal Credit Union	Conventional, HELOC	3 +2 HELOCs	0.3%	75%	$258,333
American Portfolio Mortgage Corporation	Conventional, VA	3	0.3%	100%	$338,333
Lakeview Loan Servicing, LLC	Conventional, VA	3	0.3%	66.7%	$435,000
Sage Home Loans Corporation	Conventional	3	0.3%	80%	$425,000
Nbkc Bank	Conventional	3	0.3%	75%	$298,333
Kind Lending, LLC	Conventional, VA	3	0.3%	100%	$551,666
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	3	0.3%	100%	$451,666
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 1.51%	Conventional	3	0.3%	31.8%	$51,666	View
Cmg Mortgage Inc	Conventional, VA	3	0.3%	100%	$401,666
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	3	0.3%	60%	$495,000	View
Victorian Finance, LLC	Conventional, FHA	3	0.3%	60%	$248,333
Zillow Home Loans, LLC	Conventional, VA	3	0.3%	100%	$415,000
Northrop Grumman Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$205,000
Paragon Bank A+5.0 ★Texas Ratio: 3.21%	Conventional	2	0.2%	100%	$665,000	View
Equity Prime Mortgage LLC	FHA, VA	2	0.2%	66.7%	$440,000
Guidance Residential, LLC	Conventional	2	0.2%	100%	$495,000
PHH Mortgage Corporation	Conventional	2	0.2%	100%	$310,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	FHA, VA	2	0.2%	100%	$430,000	View
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	2	0.2%	100%	$645,000	View
Discover Bank	Conventional	2	0.2%	22.2%	$45,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	VA	2	0.2%	100%	$400,000	View
American Pacific Mortgage Corporation	Conventional, VA	2	0.2%	100%	$300,000
Mortgage Solutions of Colorado	VA	2	0.2%	100%	$455,000
Lower, LLC	VA	2	0.2%	100%	$640,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	2	0.2%	100%	$575,000	View
Paramount Residential Mortgage	Conventional	2	0.2%	100%	$335,000
Carrington Mortgage Services LLC	Conventional, FHA	2	0.2%	33.3%	$245,000
Plaza Home Mortgage, Inc	VA	2	0.2%	66.7%	$560,000
Ark-La-Tex Financial Services LLC	Conventional, VA	2	0.2%	100%	$255,000
Tomo Mortgage LLC	Conventional	2	0.2%	100%	$435,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	1 +2 HELOCs	0.1%	100%	$355,000	View
Spring Eq, LLC	Conventional, HELOC	1 +1 HELOCs	0.1%	12.5%	$75,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$485,000	View
Cornerstone First Mortgage, LLC	VA	1	0.1%	100%	$535,000
Devon Bank B+4.0 ★Texas Ratio: 2.09%	Conventional	1	0.1%	100%	$275,000	View
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional	1	0.1%	100%	$685,000	View
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$465,000	View
Primelending	Conventional	1	0.1%	100%	$265,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$385,000	View
Stride Bank, National Association A5.0 ★Texas Ratio: 6.15%	VA	1	0.1%	100%	$465,000	View
Goodleap, LLC	Conventional	1	0.1%	66.7%	$125,000
Everett Financial, Inc.	FHA	1	0.1%	100%	$215,000
Tower Community Bank A+5.0 ★Texas Ratio: 4.27%	Conventional	1	0.1%	100%	$115,000	View
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$485,000
United Federal Credit Union A+5.0 ★Texas Ratio: 2.15%	Conventional	1	0.1%	100%	$465,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$625,000	View
Princeton Mortgage Corporation	Conventional	1	0.1%	100%	$335,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$205,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$505,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	FHA	1	0.1%	100%	$325,000	View
HomeBridge Financial Services, Inc	Conventional	1	0.1%	33.3%	$575,000
LoanFlight Lending, LLC.	Conventional	1	0.1%	100%	$515,000
Legends Bank A+5.0 ★Texas Ratio: 0.00%	Conventional	1	0.1%	100%	$725,000	View
Rev Federal Credit Union	Conventional	1	0.1%	100%	$735,000
Homeowners Financial Group, LLC	Conventional	1	0.1%	100%	$285,000
Justice Federal Credit Union	Conventional	1	0.1%	100%	$245,000
Foundation Mortgage Corporation	Conventional	1	0.1%	100%	$785,000
Nations Lending Corporation	FHA	1	0.1%	100%	$205,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0.1%	100%	$235,000
Atlanta Postal Credit Union	Conventional	1	0.1%	100%	$315,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$255,000	View
Milend, Inc	FHA	1	0.1%	50%	$155,000
Andrews Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Mit Federal Credit Union	Conventional	1	0.1%	100%	$665,000
Towne Mortgage Company	FHA	1	0.1%	66.7%	$285,000
City Bank A+5.0 ★Texas Ratio: 1.71%	Conventional	1	0.1%	100%	$465,000	View
V.I.P. Mortgage, Inc.	VA	1	0.1%	100%	$625,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0.1%	100%	$125,000
Prosperity Home Mortgage, LLC	VA	1	0.1%	100%	$705,000
Magnolia Bank A-5.0 ★Texas Ratio: 14.97%	Conventional	1	0.1%	100%	$285,000	View
Hunt Mortgage Corporation	FHA	1	0.1%	100%	$195,000
Southwest Stage Funding LLC	Conventional	1	0.1%	100%	$65,000
Gmfs, LLC	FHA	1	0.1%	100%	$265,000
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$385,000
Mortgage Investors Group A+5.0 ★Texas Ratio: 5.42%	Conventional	1	0.1%	100%	$405,000	View
21St Mortgage	Conventional	1	0.1%	100%	$65,000
Vanderbilt Mortgage and Finance, Inc	Conventional	1	0.1%	12.5%	$115,000
Reliance First Capital, LLC	Conventional	1	0.1%	100%	$325,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$225,000	View
The Mortgage Link, Inc.	Conventional	1	0.1%	100%	$335,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional	1	0.1%	100%	$505,000	View
Tammac Holdings Corporation	Conventional	1	0.1%	16.7%	$65,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +5 HELOCs	0%	n/a		View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	HELOC	0 +1 HELOCs	0%	n/a		View
First Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Digital Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

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.

Madison 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 Madison, Alabama

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

Types of Mortgage Lenders in Madison, AL

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

Mortgage companies and brokers 83 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 67 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 40 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 62 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 12 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 26 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Madison, AL

Independent mortgage companies closed 59.9 percent of home loans in Madison, Alabama in 2025, banks 29.5 percent and credit unions 10.6 percent. CSL Financial, LLC was the largest mortgage company, Trustmark Bank the largest bank and Redstone Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 22 loans.

59.9%

Mortgage companies

29.5%

Banks

10.6%

Credit unions

FHA loans

23%

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 Madison, AL

Who is the largest mortgage lender in Madison, AL?

By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Madison, Alabama with 35 loans, about 3.5 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Madison, Alabama, Redstone Federal Credit Union approved the highest share of completed applications in 2025 at 96.2 percent, against a 84 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 Madison, AL mortgage lenders offer FHA, VA and USDA loans?

40 lenders closed FHA loans in Madison, Alabama in 2025, led by DHI Mortgage Company, LTD. with 11. 62 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 Madison, AL lender list?

Yes. 67 banks and 21 credit unions closed home loans in Madison, Alabama in 2025, alongside 83 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 Madison, AL ranked on this page?

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