Mortgage Lenders and Brokers in Oneonta, 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
Oneonta, Alabama mortgage lenders include The HomeTown Bank of AlabamaThe HomeTown Bank of Alabama713 Fairgrounds Ave, Oneonta, AL 35121, Regions BankRegions Bank201 1st Ave E, Oneonta, AL 35121A+5.0 ★Texas Ratio: 4.37%, Peoples Bank of AlabamaPeoples Bank of Alabama918 2nd Ave E, Oneonta, AL 35121A+5.0 ★Texas Ratio: 3.77%, PNC Bank N.A.PNC Bank N.A.300 2nd Ave E, Oneonta, AL 35121A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank415 2nd Ave E, Oneonta, AL 35121A+5.0 ★Texas Ratio: 2.87%, WinSouth Credit UnionWinSouth Credit Union201 3RD ST S, ONEONTA, AL 35121 2184A+5.0 ★Texas Ratio: 3.81%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, Local BankLocal Bank2204 Whitesburg Drive Sw, Huntsville, AL 35801A5.0 ★Texas Ratio: 8.28%, Liberty BankLiberty Bank305 N Broad St, Albertville, AL 35950A+5.0 ★Texas Ratio: 1.01%, and Southpoint BankSouthpoint Bank1096 N Brindlee Mountain Pkwy, Arab, AL 35016F2.8 ★Texas Ratio: 41.33%. 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 Oneonta, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oneonta 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 Oneonta, Alabama
Market share is the lender's share of all home loans closed in Oneonta, 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
713 Fairgrounds Ave, Oneonta, AL 35121 |
Conventional, Jumbo | 53 | 26.6% | 88.1% | $169,905 | |
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1 office in Oneonta 201 1st Ave E, Oneonta, AL 35121 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +5 HELOCs |
1% | 25% | $30,000 | View |
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1 office in Oneonta 918 2nd Ave E, Oneonta, AL 35121 A+5.0 ★Texas Ratio: 3.77% |
Conventional | 2 | 1% | 100% | $195,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Oneonta 300 2nd Ave E, Oneonta, AL 35121 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 1 office in Oneonta 415 2nd Ave E, Oneonta, AL 35121 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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201 3RD ST S, ONEONTA, AL 35121 2184 A+5.0 ★Texas Ratio: 3.81% |
Conventional | 5 | 2.5% | 62.5% | $129,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 3 | 1.5% | 60% | $195,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
Conventional, FHA | 3 | 1.5% | 100% | $345,000 | View |
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305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 2 | 1% | 100% | $140,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
FHA | 1 | 0.5% | 100% | $255,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Aod Federal Credit Union
7 Frankford Ave Bldg 141, Anniston, AL 36201 4199 |
Conventional | 1 | 0.5% | 100% | $475,000 | |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
VA | 1 | 0.5% | 100% | $475,000 | View |
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321 S Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
VA | 1 | 0.5% | 50% | $185,000 | View |
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19 Helicon Rd, Arley, AL 35541 A5.0 ★Texas Ratio: 10.74% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
America'S First Federal CU
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $245,000 | |
Cis Financial Services, Inc.
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FHA | 1 | 0.5% | 100% | $335,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 8 | 4% | 69.2% | $223,750 | |
Guild Mortgage Company
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Conventional, FHA | 8 | 4% | 100% | $148,750 | |
Fairway Independent Mort Corp
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Conventional, VA, USDA | 8 | 4% | 100% | $252,500 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 6 | 3% | 100% | $225,000 | |
Rocket Mortgage
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Conventional, VA | 5 | 2.5% | 45.5% | $153,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 2% | 100% | $122,500 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 4 | 2% | 80% | $252,500 | |
Mortgage Research Center
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VA | 4 | 2% | 50% | $305,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 2% | 100% | $152,500 | |
Cadence Bank
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Conventional, USDA, HELOC | 3 +2 HELOCs |
1.5% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 3 | 1.5% | 83.3% | $205,000 | View |
Pennymac Loan Services LLC
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Conventional | 3 | 1.5% | 75% | $65,000 | |
The Mortgage Firm
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Conventional, FHA | 3 | 1.5% | 100% | $271,666 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 3 | 1.5% | 100% | $158,333 | View |
21St Mortgage
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Conventional | 3 | 1.5% | 50% | $121,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.5% | 18.2% | $141,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 1% | 40% | $185,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1% | 100% | $305,000 | |
Newrez LLC
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FHA, VA | 2 | 1% | 100% | $200,000 | |
Kind Lending, LLC
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FHA, VA | 2 | 1% | 100% | $275,000 | |
Churchill Mortgage Corporation
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Conventional, VA | 2 | 1% | 100% | $180,000 | |
Planet Home Lending, LLC
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USDA | 2 | 1% | 100% | $230,000 | |
Nationstar Mortgage
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Conventional | 2 | 1% | 100% | $55,000 | |
Stockton Mortgage Corporation
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Conventional, FHA | 2 | 1% | 66.7% | $150,000 | |
Towne Mortgage Company
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FHA, VA | 2 | 1% | 100% | $150,000 | |
Zillow Home Loans, LLC
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FHA | 2 | 1% | 100% | $180,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 1% | 66.7% | $145,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.5% | 100% | $255,000 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.5% | 100% | $75,000 | |
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A4.6 ★Texas Ratio: 2.08% |
USDA | 1 | 0.5% | 100% | $335,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $115,000 | |
Goodleap, LLC
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $345,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.5% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $205,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.5% | 100% | $175,000 | View |
Resicentral LLC
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Conventional | 1 | 0.5% | 100% | $175,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 33.3% | $75,000 | |
Princeton Mortgage Corporation
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Cmg Mortgage Inc
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VA | 1 | 0.5% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.5% | 50% | $225,000 | View |
Acopia, LLC
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VA | 1 | 0.5% | 100% | $405,000 | |
Grow Financial Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.5% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 50% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.5% | 100% | $275,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.5% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.5% | 100% | $335,000 | View |
Leaderone Financial Corp.
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USDA | 1 | 0.5% | 100% | $215,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
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 |
Oneonta 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 Oneonta, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Oneonta? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oneonta in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oneonta, AL
Use these to narrow the list above. Each category shows how many Oneonta, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Oneonta, AL
Independent mortgage companies closed 54.8 percent of home loans in Oneonta, Alabama in 2025, banks 40.2 percent and credit unions 5 percent. Cis Financial Services, Inc. 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 53 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 Oneonta, AL
By home loans closed in 2025, The HomeTown Bank of Alabama was the largest mortgage lender in Oneonta, Alabama with 53 loans, about 26.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oneonta, Alabama, The HomeTown Bank of Alabama approved the highest share of completed applications in 2025 at 88.1 percent, against a 76.1 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.
23 lenders closed FHA loans in Oneonta, Alabama in 2025, led by Guild Mortgage Company with 6. 16 lenders closed VA loans, led by Mortgage Research Center, and 6 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. 22 banks and 7 credit unions closed home loans in Oneonta, Alabama in 2025, alongside 46 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 Oneonta, 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 Oneonta, 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 Oneonta. 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.
