Mortgage Lenders and Brokers in Opelika, 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
Opelika, Alabama mortgage lenders include Trustmark BankTrustmark BankThomason Drive, Opelika, AL 36801A+5.0 ★Texas Ratio: 2.40%, AuburnBankAuburnBank1851 Frederick Rd, Opelika, AL 36801A+5.0 ★Texas Ratio: 0.07%, Regions BankRegions Bank2401 Gateway Dr, Opelika, AL 36801A+5.0 ★Texas Ratio: 4.37%, Truist BankTruist Bank600 2nd Ave, Opelika, AL 36801A+5.0 ★Texas Ratio: 2.87%, Southstate Bank, National AssociationSouthstate Bank, National Association701 2nd Ave, Opelika, AL 36801A+5.0 ★Texas Ratio: 2.27%, PNC Bank N.A.PNC Bank N.A.605 2nd Ave, Opelika, AL 36801A+5.0 ★Texas Ratio: 4.24%, FirstbankFirstbank2601 Frederick Rd, Opelika, AL 36801A5.0 ★Texas Ratio: 7.51%, Wells Fargo Bank NAWells Fargo Bank NA603 S 6th St, Opelika, AL 36801A+5.0 ★Texas Ratio: 5.36%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, and Servisfirst BankServisfirst Bank2320 Moores Mill Rd, Auburn, AL 36830A5.0 ★Texas Ratio: 8.75%. 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 Opelika, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Opelika 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 Opelika, Alabama
Market share is the lender's share of all home loans closed in Opelika, 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 Opelika Thomason Drive, Opelika, AL 36801 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 57 +6 HELOCs |
6% | 100% | $280,438 | View |
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2 offices in Opelika 1851 Frederick Rd, Opelika, AL 36801 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 26 | 2.8% | 100% | $170,000 | View |
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1 office in Opelika 2401 Gateway Dr, Opelika, AL 36801 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 5 +15 HELOCs |
0.5% | 46.2% | $215,000 | View |
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★ 1 stars, 1 review 1 office in Opelika 600 2nd Ave, Opelika, AL 36801 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 5 +2 HELOCs |
0.5% | 100% | $299,000 | View |
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★ 5 stars, 1 review 2 offices in Opelika 701 2nd Ave, Opelika, AL 36801 A+5.0 ★Texas Ratio: 2.27% |
Conventional, HELOC | 3 +23 HELOCs |
0.3% | 75% | $145,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Opelika 605 2nd Ave, Opelika, AL 36801 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +22 HELOCs |
0.3% | 66.7% | $268,333 | View |
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1 office in Opelika 2601 Frederick Rd, Opelika, AL 36801 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA, HELOC | 3 +2 HELOCs |
0.3% | 37.5% | $228,333 | View |
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1 office in Opelika 603 S 6th St, Opelika, AL 36801 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 0.3% | 75% | $158,333 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, Jumbo | 44 | 4.7% | 100% | $351,363 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, FHA, VA, Jumbo, HELOC | 22 +1 HELOCs |
2.3% | 100% | $355,909 | View |
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1804 Thomason Dr, Opelika, AL 36801 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 10 +20 HELOCs |
1.1% | 100% | $307,000 | View |
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1290 S Donahue Dr, Auburn, AL 36832 6330 A+5.0 ★Texas Ratio: 3.49% |
Conventional, HELOC | 7 +4 HELOCs |
0.7% | 72.7% | $143,571 | View |
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3021 Frederick Rd, Opelika, AL 36801 A+5.0 ★Texas Ratio: 2.18% |
Conventional, HELOC | 6 +14 HELOCs |
0.6% | 100% | $283,333 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 0.6% | 85.7% | $198,333 | View |
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50 Jimmy Gould Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 5 | 0.5% | 83.3% | $239,000 | View |
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520 N Broadway St, Ashford, AL 36312 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 3 | 0.3% | 100% | $338,333 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 3 | 0.3% | 100% | $211,666 | View |
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1215A Dr M L K Jr Expy, Andalusia, AL 36420 3431 A+5.0 ★Texas Ratio: 5.47% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 100% | $180,000 | View |
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1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $265,000 | View |
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225 E Three Notch St, Andalusia, AL 36420 A+5.0 ★Texas Ratio: 1.73% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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312 1st Street North, Clanton, AL 35045 C3.8 ★Texas Ratio: 23.16% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
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2694 Hilton Garden Drive, Auburn, AL 36830 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.1% | 50% | $115,000 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
All In Credit Union
609 Ozark Rd, Abbeville, AL 36310 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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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 | |
Tjc Mortgage Inc
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Conventional | 3 | 0.3% | 100% | $201,666 | |
America'S First Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, HELOC | 129 +1 HELOCs |
13.7% | 99.3% | $298,875 | |
Rocket Mortgage
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Conventional, FHA, VA | 68 | 7.2% | 80.2% | $196,470 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 41 | 4.3% | 100% | $335,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 38 | 4% | 100% | $265,526 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA, HELOC | 36 +1 HELOCs |
3.8% | 88.4% | $292,222 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 34 +2 HELOCs |
3.6% | 95% | $243,235 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 25 | 2.6% | 26.5% | $158,200 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 22 | 2.3% | 84.4% | $316,818 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 21 +1 HELOCs |
2.2% | 100% | $307,380 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 20 | 2.1% | 100% | $313,500 | |
Filo Mortgage, LLC
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Conventional, FHA, VA, Jumbo | 20 | 2.1% | 100% | $317,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 20 | 2.1% | 91.7% | $270,000 | |
Mortgage Research Center
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VA | 16 | 1.7% | 88.9% | $352,500 | |
Southeast Mortgage of Georgia, Inc.
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Conventional, FHA | 11 | 1.2% | 91.7% | $229,545 | |
EMM Loans LLC
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Conventional, FHA, VA | 10 | 1.1% | 100% | $260,000 | |
PHH Mortgage Corporation
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Conventional, VA | 9 | 1% | 90% | $265,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 9 | 1% | 52.9% | $167,222 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 8 | 0.8% | 42.9% | $263,750 | |
Newrez LLC
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Conventional, VA | 8 | 0.8% | 72.7% | $203,750 | |
Kind Lending, LLC
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Conventional, FHA | 8 | 0.8% | 88.9% | $232,500 | |
Cadence Bank
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Conventional, VA, HELOC | 7 +15 HELOCs |
0.7% | 100% | $283,571 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 7 | 0.7% | 100% | $243,571 | |
Nationstar Mortgage
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Conventional, FHA | 7 | 0.7% | 88.9% | $96,428 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 6 +1 HELOCs |
0.6% | 75% | $256,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
0.6% | 85.7% | $290,000 | |
Jet HomeLoans, LP
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Conventional, FHA, VA | 6 | 0.6% | 85.7% | $250,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 6 | 0.6% | 66.7% | $301,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 0.6% | 100% | $211,666 | |
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A4.6 ★Texas Ratio: 2.08% |
FHA | 5 | 0.5% | 83.3% | $263,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, VA | 5 | 0.5% | 100% | $439,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA | 4 | 0.4% | 80% | $320,000 | View |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 4 | 0.4% | 66.7% | $340,000 | View |
Keystone Funding, Inc
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Conventional, FHA | 4 | 0.4% | 80% | $285,000 | |
Synovus Bank
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Conventional, FHA, HELOC | 3 +3 HELOCs |
0.3% | 100% | $191,666 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.3% | 100% | $518,333 | View |
Guaranteed Rate, Inc.
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FHA, VA | 3 | 0.3% | 75% | $388,333 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 3 | 0.3% | 100% | $201,666 | View |
Discover Bank
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Conventional | 3 | 0.3% | 42.9% | $58,333 | |
Union Home Mortgage Corp.
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Conventional, VA | 3 | 0.3% | 75% | $278,333 | |
New Day Financial, LLC.
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VA | 3 | 0.3% | 50% | $295,000 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional, FHA | 3 | 0.3% | 100% | $251,666 | View |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.3% | 100% | $108,333 | View |
Carrington Mortgage Services LLC
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Conventional | 3 | 0.3% | 37.5% | $65,000 | |
Goodleap, LLC
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Conventional, VA, HELOC | 2 +2 HELOCs |
0.2% | 75% | $235,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 50% | $325,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.2% | 50% | $45,000 | |
Georgia'S Own Credit Union
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Conventional | 2 | 0.2% | 100% | $275,000 | |
American Financial Resources LLC
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Conventional | 2 | 0.2% | 100% | $300,000 | |
Primelending
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FHA | 2 | 0.2% | 80% | $270,000 | |
Loanunited.Com, LLC
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FHA | 2 | 0.2% | 66.7% | $365,000 | |
Planet Home Lending, LLC
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VA | 2 | 0.2% | 66.7% | $400,000 | |
Stockton Mortgage Corporation
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FHA, VA | 2 | 0.2% | 100% | $195,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.2% | 100% | $150,000 | |
Village Capital & Investment
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VA | 2 | 0.2% | 75% | $295,000 | |
Alliance Credit Union
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VA | 1 | 0.1% | 100% | $355,000 | |
Ruoff Mortgage Company
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VA | 1 | 0.1% | 100% | $385,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.1% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $325,000 | |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 50% | $275,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.1% | 83.3% | $135,000 | View |
Usalliance Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
FHA | 1 | 0.1% | 100% | $255,000 | View |
AmWest Funding Corp
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Conventional | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $465,000 | View |
New Wave Lending Group Inc
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Conventional | 1 | 0.1% | 100% | $295,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.1% | 100% | $315,000 | |
Homeowners Financial Group, LLC
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FHA | 1 | 0.1% | 100% | $265,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Delta Community Credit Union
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Conventional | 1 | 0.1% | 100% | $295,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Community Mortgage Corporation
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VA | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $225,000 | View |
Milend, Inc
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VA | 1 | 0.1% | 33.3% | $435,000 | |
Towne Mortgage Company
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VA | 1 | 0.1% | 100% | $225,000 | |
Pentagon Federal Credit Union
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FHA | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
Purdue Federal Cu
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Conventional | 1 | 0.1% | 100% | $255,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $205,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
Lower, LLC
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FHA | 1 | 0.1% | 33.3% | $415,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $335,000 | View |
Hunt Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $195,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $235,000 | View |
21St Mortgage
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Conventional | 1 | 0.1% | 16.7% | $175,000 | |
Reliance First Capital, LLC
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Conventional | 1 | 0.1% | 100% | $65,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $265,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $195,000 | |
Southwest Funding LP
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VA | 1 | 0.1% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Service Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 11.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Opelika 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 Opelika, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Opelika? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Opelika in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Opelika, AL
Use these to narrow the list above. Each category shows how many Opelika, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Opelika, AL
Independent mortgage companies closed 71.2 percent of home loans in Opelika, Alabama in 2025, banks 25.8 percent and credit unions 3 percent. Tjc Mortgage Inc was the largest mortgage company, Trustmark Bank the largest bank and Auburn University Credit Union the largest credit union. Among lenders headquartered in Alabama, AuburnBank led with 26 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 Opelika, AL
By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Opelika, Alabama with 57 loans, about 6 percent of the market. The largest lender headquartered in Alabama was AuburnBank with 26 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Opelika, Alabama, Trustmark Bank approved the highest share of completed applications in 2025 at 100 percent, against a 82.9 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.
50 lenders closed FHA loans in Opelika, Alabama in 2025, led by Cmg Mortgage Inc with 37. 42 lenders closed VA loans, led by Cmg Mortgage Inc, and 2 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. 42 banks and 15 credit unions closed home loans in Opelika, Alabama in 2025, alongside 75 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 Opelika, 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 Opelika, 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 Opelika. 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.
