Mortgage Lenders and Brokers in Pell City, 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
Pell City, Alabama mortgage lenders include Metro BankMetro Bank800 Martin St S, Pell City, AL 35128A+5.0 ★Texas Ratio: 5.61%, Regions BankRegions Bank1031 Martin St S, Pell City, AL 35128A+5.0 ★Texas Ratio: 4.37%, Valley National BankValley National Bank1930 Martin St S, Pell City, AL 35128A+5.0 ★Texas Ratio: 5.76%, PNC Bank N.A.PNC Bank N.A.308 Martin Street, Pell City, AL 35125A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank2203 1st Ave N, Pell City, AL 35125A+5.0 ★Texas Ratio: 2.87%, Liberty Mortgage CorporationLiberty Mortgage Corporation305 N Broad St, Albertville, AL 35950, Southpoint BankSouthpoint Bank1096 N Brindlee Mountain Pkwy, Arab, AL 35016F2.8 ★Texas Ratio: 41.33%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, FirstbankFirstbank2408 Cogswell Ave, Pell City, AL 35125A5.0 ★Texas Ratio: 7.51%, and Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%. 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 Pell City, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Pell City 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 Pell City, Alabama
Market share is the lender's share of all home loans closed in Pell City, 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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800 Martin St S, Pell City, AL 35128 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 35 | 7.1% | 92.7% | $151,857 | View |
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1 office in Pell City 1031 Martin St S, Pell City, AL 35128 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 15 +16 HELOCs |
3% | 68% | $156,333 | View |
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1 office in Pell City 1930 Martin St S, Pell City, AL 35128 A+5.0 ★Texas Ratio: 5.76% |
Conventional, USDA, HELOC | 3 +5 HELOCs |
0.6% | 100% | $245,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Pell City 308 Martin Street, Pell City, AL 35125 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 100% | $155,000 | View |
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★ 1 stars, 1 review 1 office in Pell City 2203 1st Ave N, Pell City, AL 35125 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $345,000 | View |
Liberty Mortgage Corporation
305 N Broad St, Albertville, AL 35950 |
Conventional, FHA | 12 | 2.4% | 100% | $287,500 | |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
Conventional, FHA | 10 | 2% | 83.3% | $266,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 6 | 1.2% | 100% | $290,000 | View |
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2408 Cogswell Ave, Pell City, AL 35125 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA | 6 | 1.2% | 64.3% | $300,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional, Jumbo, HELOC | 5 +3 HELOCs |
1% | 100% | $435,000 | View |
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1100 Quintard Ave, Anniston, AL 36201 C+4.0 ★Texas Ratio: 26.59% |
Conventional | 4 | 0.8% | 100% | $387,500 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 3 +5 HELOCs |
0.6% | 100% | $308,333 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.6% | 100% | $238,333 | View |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 3 | 0.6% | 100% | $258,333 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 3 | 0.6% | 100% | $198,333 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $270,000 | View |
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112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04% |
FHA | 2 | 0.4% | 100% | $235,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 2 | 0.4% | 100% | $150,000 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $315,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,495,000 | View |
Aod Federal Credit Union
275 Vaughn Spur, Pell City, AL 35128 8000 |
Conventional | 1 | 0.2% | 100% | $505,000 | |
All In Credit Union
609 Ozark Rd, Abbeville, AL 36310 |
Conventional | 1 | 0.2% | 100% | $355,000 | |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.2% | 50% | $235,000 | View |
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351 24th St N, Birmingham, AL 35203 3836 A+5.0 ★Texas Ratio: 5.72% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
FHA | 1 | 0.2% | 100% | $395,000 | View |
The HomeTown Bank of Alabama
18045 State Highway 160, Cleveland, AL 35049 |
Conventional | 1 | 0.2% | 100% | $205,000 | |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
USDA | 1 | 0.2% | 100% | $175,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 1 | 0.2% | 100% | $185,000 | View |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Tjc Mortgage Inc
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Conventional, FHA | 4 | 0.8% | 100% | $322,500 | |
America'S First Federal CU
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Conventional, HELOC | 2 +25 HELOCs |
0.4% | 100% | $145,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.2% | 100% | $135,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 40 +1 HELOCs |
8.1% | 93% | $307,250 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 30 | 6.1% | 71.1% | $212,333 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 22 | 4.5% | 100% | $305,000 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA, USDA | 18 | 3.7% | 100% | $331,111 | |
Lendlo Mortgage, LLC
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Conventional, FHA, USDA | 16 | 3.3% | 100% | $229,375 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 2.4% | 82.4% | $390,833 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 12 | 2.4% | 85.7% | $140,000 | |
Hunt Mortgage Corporation
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Conventional, FHA | 11 | 2.2% | 100% | $285,909 | |
21St Mortgage
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Conventional | 9 | 1.8% | 73.3% | $125,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 8 | 1.6% | 80% | $270,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, FHA | 8 | 1.6% | 100% | $336,250 | View |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 7 | 1.4% | 90.9% | $263,571 | View |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 7 | 1.4% | 87.5% | $165,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 1.4% | 100% | $280,714 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, USDA | 7 | 1.4% | 87.5% | $267,857 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 6 | 1.2% | 100% | $151,666 | |
Guild Mortgage Company
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Conventional, FHA | 6 | 1.2% | 85.7% | $243,333 | |
Nationstar Mortgage
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Conventional, VA | 6 | 1.2% | 87.5% | $255,000 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 5 +2 HELOCs |
1% | 54.5% | $191,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 5 | 1% | 71.4% | $277,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 1% | 83.3% | $227,000 | |
Cadence Bank
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Conventional | 4 | 0.8% | 100% | $367,500 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 4 | 0.8% | 66.7% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 4 | 0.8% | 53.8% | $105,000 | View |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 0.8% | 100% | $180,000 | |
Towne Mortgage Company
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Conventional, FHA | 4 | 0.8% | 100% | $292,500 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 4 | 0.8% | 80% | $327,500 | View |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.6% | 50% | $68,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 0.6% | 100% | $105,000 | |
Newrez LLC
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Conventional, VA | 3 | 0.6% | 50% | $178,333 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 0.6% | 100% | $215,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 3 | 0.6% | 100% | $235,000 | |
Lennar Mortgage, LLC
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FHA | 3 | 0.6% | 60% | $225,000 | |
The Local Lender, LLC
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FHA, VA | 3 | 0.6% | 100% | $255,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.6% | 16.1% | $101,666 | |
Leaderone Financial Corp.
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Conventional, FHA | 3 | 0.6% | 100% | $461,666 | |
Honda Federal Credit Union
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Conventional, HELOC | 2 +2 HELOCs |
0.4% | 100% | $225,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $220,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 2 | 0.4% | 100% | $290,000 | |
Discover Bank
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Conventional | 2 | 0.4% | 33.3% | $75,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.4% | 75% | $265,000 | |
New Day Financial, LLC.
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VA | 2 | 0.4% | 57.1% | $170,000 | |
Planet Home Lending, LLC
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FHA, USDA | 2 | 0.4% | 66.7% | $235,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 2 | 0.4% | 100% | $450,000 | |
American Pacific Mortgage Corporation
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FHA, VA | 2 | 0.4% | 100% | $270,000 | |
Acopia, LLC
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FHA, VA | 2 | 0.4% | 100% | $390,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $260,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 0.4% | 40% | $175,000 | |
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A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $65,000 | |
Virginia Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $475,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 6.18% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Nbkc Bank
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VA | 1 | 0.2% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $515,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.2% | 50% | $365,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 50% | $275,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 14.3% | $135,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.2% | 100% | $305,000 | |
Cmg Mortgage Inc
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VA | 1 | 0.2% | 100% | $445,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.2% | 100% | $285,000 | |
First Intercontinental Bank
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Eastman Credit Union
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Conventional | 1 | 0.2% | 100% | $45,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $305,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $275,000 | View |
Peoples Mortgage Company
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Conventional | 1 | 0.2% | 100% | $15,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $285,000 | View |
The Mortgage Firm
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
Pentagon Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $345,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.2% | 50% | $235,000 | |
New American Funding, LLC.
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FHA | 1 | 0.2% | 100% | $155,000 | |
Lower, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.2% | 100% | $815,000 | View |
Toyota Financial Savings Bank
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $245,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Southwest Funding LP
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FHA | 1 | 0.2% | 100% | $175,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Goodleap, 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 |
Pell City 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 Pell City, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Pell City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Pell City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Pell City, AL
Use these to narrow the list above. Each category shows how many Pell City, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Pell City, AL
Independent mortgage companies closed 68.5 percent of home loans in Pell City, Alabama in 2025, banks 26.8 percent and credit unions 4.7 percent. Liberty Mortgage Corporation was the largest mortgage company, Metro Bank the largest bank and Avadian Credit Union the largest credit union. Among lenders headquartered in Alabama, Metro Bank led with 35 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 Pell City, AL
By home loans closed in 2025, Metro Bank was the largest mortgage lender in Pell City, Alabama with 35 loans, about 7.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
52 lenders closed FHA loans in Pell City, Alabama in 2025, led by United Wholesale Mortgage with 13. 27 lenders closed VA loans, led by United Wholesale Mortgage, and 7 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. 39 banks and 15 credit unions closed home loans in Pell City, Alabama in 2025, alongside 69 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 Pell City, 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 Pell City, 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 Pell City. 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.
