Mortgage Lenders and Brokers in Muscle Shoals, 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
Muscle Shoals, Alabama mortgage lenders include First Metro BankFirst Metro Bank2402 Avalon Ave, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 1.01%, Regions BankRegions Bank700 Avalon Ave, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 4.37%, TVA Community Credit UnionTVA Community Credit Union1010 Reservation Road, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 0.70%, First Southern BankFirst Southern Bank1027 Avalon Ave, Muscle Shoals, AL 35661F1.0 ★Texas Ratio: 85.21%, PNC Bank N.A.PNC Bank N.A.606 Avalon Ave, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 4.24%, Listerhill Credit UnionListerhill Credit Union4790 2nd St, Muscle Shoals, AL 35661 1285A+5.0 ★Texas Ratio: 3.96%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Bank IndependentBank Independent1109 Avalon Ave, Muscle Shoals, AL 35661A+5.0 ★Texas Ratio: 1.45%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, and CB&S BankCB&S Bank2000 Avalon Ave, Muscle Shoals, AL 35661C3.6 ★Texas Ratio: 21.51%. 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 Muscle Shoals, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Muscle Shoals 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 Muscle Shoals, Alabama
Market share is the lender's share of all home loans closed in Muscle Shoals, 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 Muscle Shoals 2402 Avalon Ave, Muscle Shoals, AL 35661 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 29 | 5.2% | 100% | $231,551 | View |
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1 office in Muscle Shoals 700 Avalon Ave, Muscle Shoals, AL 35661 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 23 +10 HELOCs |
4.1% | 72.7% | $159,782 | View |
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1010 Reservation Road, Muscle Shoals, AL 35661 A+5.0 ★Texas Ratio: 0.70% |
Conventional, HELOC | 10 +2 HELOCs |
1.8% | 100% | $102,000 | View |
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1 office in Muscle Shoals 1027 Avalon Ave, Muscle Shoals, AL 35661 F1.0 ★Texas Ratio: 85.21% |
Conventional | 6 | 1.1% | 100% | $255,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Muscle Shoals 606 Avalon Ave, Muscle Shoals, AL 35661 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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4790 2nd St, Muscle Shoals, AL 35661 1285 A+5.0 ★Texas Ratio: 3.96% |
Conventional, HELOC | 59 +27 HELOCs |
10.5% | 100% | $221,271 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 49 +3 HELOCs |
8.8% | 98% | $301,734 | View |
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1109 Avalon Ave, Muscle Shoals, AL 35661 A+5.0 ★Texas Ratio: 1.45% |
Conventional, FHA, VA, Jumbo, HELOC | 45 +12 HELOCs |
8% | 84.9% | $245,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 9 | 1.6% | 75% | $236,111 | View |
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2000 Avalon Ave, Muscle Shoals, AL 35661 C3.6 ★Texas Ratio: 21.51% |
Conventional, HELOC | 7 +10 HELOCs |
1.2% | 87.5% | $259,285 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, USDA | 6 | 1.1% | 85.7% | $200,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA | 5 | 0.9% | 100% | $143,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 4 +2 HELOCs |
0.7% | 100% | $440,000 | View |
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743 Avalon Ave, Muscle Shoals, AL 35661 2303 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 4 | 0.7% | 100% | $250,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional, HELOC | 3 +10 HELOCs |
0.5% | 75% | $161,666 | View |
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1131 Wills Ave, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.80% |
Conventional | 3 | 0.5% | 100% | $185,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.5% | 100% | $428,333 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 3 | 0.5% | 83.3% | $178,333 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
Conventional | 2 | 0.4% | 66.7% | $130,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 2 | 0.4% | 100% | $60,000 | View |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $135,000 | View |
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30966 Highway 278, Addison, AL 35540 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
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14226 Highway 231 431 N, Hazel Green, AL 35750 F2.7 ★Texas Ratio: 42.60% |
FHA | 1 | 0.2% | 100% | $175,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $685,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Consumer First Mortgage, Inc.
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Conventional, FHA, VA | 7 | 1.2% | 100% | $226,428 | |
Cis Financial Services, Inc.
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Conventional, VA | 2 | 0.4% | 100% | $195,000 | |
America'S First Federal CU
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $145,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA, VA | 42 | 7.5% | 100% | $209,047 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 5.5% | 78% | $202,419 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 16 | 2.9% | 94.1% | $291,875 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
2.5% | 93.8% | $260,714 | |
loanDepot.com LLC
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Conventional, FHA, VA | 13 | 2.3% | 77.8% | $224,230 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 2.1% | 85.7% | $190,000 | |
Mortgage Research Center
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Conventional, VA | 10 | 1.8% | 71.4% | $221,000 | |
Planet Home Lending, LLC
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FHA, VA | 7 | 1.2% | 77.8% | $247,857 | |
Wolfe Financial Inc
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Conventional, FHA | 7 | 1.2% | 87.5% | $309,285 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 1.2% | 100% | $115,000 | |
Towne Mortgage Company
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Conventional, FHA, VA, USDA | 7 | 1.2% | 100% | $230,714 | |
New American Funding, LLC.
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Conventional, FHA, VA | 7 | 1.2% | 87.5% | $242,142 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.1% | 75% | $256,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 1.1% | 87.5% | $218,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 5 +1 HELOCs |
0.9% | 62.5% | $227,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 0.9% | 100% | $371,000 | |
New Day Financial, LLC.
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VA | 5 | 0.9% | 85.7% | $363,000 | |
PHH Mortgage Corporation
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Conventional, VA | 4 | 0.7% | 100% | $287,500 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 3 | 0.5% | 75% | $131,666 | View |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 3 | 0.5% | 100% | $248,333 | View |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, FHA | 3 | 0.5% | 100% | $335,000 | View |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 0.5% | 100% | $168,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $180,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.4% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 2 | 0.4% | 100% | $250,000 | View |
Newrez LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $240,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.4% | 100% | $200,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 2 | 0.4% | 100% | $115,000 | View |
Union Home Mortgage Corp.
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Conventional | 2 | 0.4% | 66.7% | $260,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.4% | 100% | $190,000 | View |
Land Home Financial Services,
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Conventional, FHA | 2 | 0.4% | 100% | $205,000 | |
Milend, Inc
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FHA | 2 | 0.4% | 100% | $140,000 | |
Better Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 66.7% | $230,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 2 | 0.4% | 100% | $445,000 | View |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $55,000 | |
Village Capital & Investment
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VA | 2 | 0.4% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $755,000 | View |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $375,000 | |
Cadence Bank
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FHA | 1 | 0.2% | 100% | $245,000 | |
HomePromise Corporation
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VA | 1 | 0.2% | 50% | $255,000 | |
Virginia Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $325,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 25% | $45,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $275,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.2% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.2% | 50% | $75,000 | View |
Homestead Funding Corp.
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VA | 1 | 0.2% | 100% | $355,000 | |
Altura Credit Union
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FHA | 1 | 0.2% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 6.61% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $145,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
Stockton Mortgage Corporation
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USDA | 1 | 0.2% | 100% | $165,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $315,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.2% | 100% | $145,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $65,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 50% | $95,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 15.4% | $75,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 50% | $225,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.2% | 100% | $285,000 | |
Luxury Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $545,000 | |
Gershman Investment Corp.
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.2% | 100% | $285,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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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 |
Muscle Shoals 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 Muscle Shoals, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Muscle Shoals? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Muscle Shoals in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Muscle Shoals, AL
Use these to narrow the list above. Each category shows how many Muscle Shoals, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Muscle Shoals, AL
Independent mortgage companies closed 46.1 percent of home loans in Muscle Shoals, Alabama in 2025, banks 39.1 percent and credit unions 14.8 percent. Consumer First Mortgage, Inc. was the largest mortgage company, First Metro Bank the largest bank and TVA Community Credit Union the largest credit union. Among lenders headquartered in Alabama, First Metro Bank led with 29 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 Muscle Shoals, AL
By home loans closed in 2025, First Metro Bank was the largest mortgage lender in Muscle Shoals, Alabama with 29 loans, about 5.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Muscle Shoals, Alabama, Listerhill Credit Union approved the highest share of completed applications in 2025 at 100 percent, against a 87.1 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.
45 lenders closed FHA loans in Muscle Shoals, Alabama in 2025, led by Assurance Financial Group, L.L.C. with 24. 24 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 33 banks and 8 credit unions closed home loans in Muscle Shoals, Alabama in 2025, alongside 58 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 Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals. 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.
