Mortgage Lenders and Brokers in Phenix 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
Phenix City, Alabama mortgage lenders include Regions BankRegions Bank1200 Broad St, Phenix City, AL 36867A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA1014 280 Bypass, Phenix City, AL 36867A+5.0 ★Texas Ratio: 5.36%, Phenix-Girard BankPhenix-Girard Bank1803 Stadium Dr, Phenix City, AL 36867F1.0 ★Texas Ratio: 4.68%, Truist BankTruist Bank1201 Broad St, Phenix City, AL 36867A+5.0 ★Texas Ratio: 2.87%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, Southstate Bank, National AssociationSouthstate Bank, National Association1605 E University Dr, Auburn, AL 36830A+5.0 ★Texas Ratio: 2.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA185 N College St, Auburn, AL 36830A+5.0 ★Texas Ratio: 3.68%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, and AuburnBankAuburnBank819 E Glenn Ave Ste 110, Auburn, AL 36830A+5.0 ★Texas Ratio: 0.07%. 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 Phenix City, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Phenix 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 Phenix City, Alabama
Market share is the lender's share of all home loans closed in Phenix 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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2 offices in Phenix City 1200 Broad St, Phenix City, AL 36867 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 5 +8 HELOCs |
0.5% | 47.1% | $139,000 | View |
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1 office in Phenix City 1014 280 Bypass, Phenix City, AL 36867 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.3% | 50% | $168,333 | View |
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2 offices in Phenix City 1803 Stadium Dr, Phenix City, AL 36867 F1.0 ★Texas Ratio: 4.68% |
Conventional | 2 | 0.2% | 100% | $270,000 | View |
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★ 1 stars, 1 review 1 office in Phenix City 1201 Broad St, Phenix City, AL 36867 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $45,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, HELOC | 16 +4 HELOCs |
1.5% | 94.1% | $260,000 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, VA, HELOC | 4 +2 HELOCs |
0.4% | 100% | $177,500 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
0.4% | 100% | $292,500 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 3 | 0.3% | 75% | $48,333 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, VA, HELOC | 2 +1 HELOCs |
0.2% | 50% | $415,000 | View |
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819 E Glenn Ave Ste 110, Auburn, AL 36830 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 2 | 0.2% | 100% | $65,000 | View |
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520 N Broadway St, Ashford, AL 36312 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
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1400 Woodfin Ln Ste D, Clanton, AL 35045 8746 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
VA | 1 | 0.1% | 100% | $375,000 | View |
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1290 S Donahue Dr, Auburn, AL 36832 6330 A+5.0 ★Texas Ratio: 3.49% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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2779 Bell Rd, Montgomery, AL 36117 A+5.0 ★Texas Ratio: 3.17% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
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513 Kirkland St, Abbeville, AL 36310 2736 A5.0 ★Texas Ratio: 7.02% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.1% | 100% | $275,000 | View |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
All In Credit Union
609 Ozark Rd, Abbeville, AL 36310 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Tjc Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $115,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 98 | 9.1% | 80.8% | $179,489 | |
Mortgage Research Center
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FHA, VA | 94 | 8.8% | 78.7% | $254,893 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 91 | 8.5% | 98.9% | $278,076 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 83 | 7.7% | 91.8% | $271,265 | |
Freedom Mortgage Corporation
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FHA, VA | 65 | 6.1% | 93.9% | $278,230 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 64 | 6% | 97.1% | $226,718 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, Jumbo | 39 | 3.6% | 97.5% | $269,871 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 31 +9 HELOCs |
2.9% | 67.3% | $149,516 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 29 | 2.7% | 85.7% | $199,827 | |
Synovus Bank
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Conventional, FHA, VA, HELOC | 28 +29 HELOCs |
2.6% | 96.6% | $241,428 | |
Guild Mortgage Company
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Conventional, FHA, VA | 21 | 2% | 100% | $213,095 | |
loanDepot.com LLC
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Conventional, FHA, VA, Jumbo, HELOC | 18 +2 HELOCs |
1.7% | 70.4% | $272,222 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 18 | 1.7% | 47.6% | $265,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
1.6% | 94.4% | $236,764 | |
Newrez LLC
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Conventional, FHA, VA | 16 | 1.5% | 64% | $282,500 | |
Nationstar Mortgage
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Conventional, FHA, VA | 13 | 1.2% | 72.2% | $145,769 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 13 | 1.2% | 86.7% | $188,846 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 12 +2 HELOCs |
1.1% | 66.7% | $225,000 | |
Movement Mortgage, LLC
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Conventional, FHA, VA | 12 | 1.1% | 100% | $240,833 | |
American Pacific Mortgage Corporation
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Conventional, FHA, VA | 12 | 1.1% | 92.3% | $215,833 | |
New Day Financial, LLC.
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VA | 11 | 1% | 66.7% | $222,272 | |
Village Capital & Investment
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VA | 11 | 1% | 63.6% | $304,090 | |
Kinetic Credit Union
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Conventional | 10 | 0.9% | 58.8% | $85,000 | |
Primelending
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Conventional, FHA, VA | 9 | 0.8% | 90.9% | $182,777 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 9 | 0.8% | 47.4% | $309,444 | View |
Planet Home Lending, LLC
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FHA, VA | 9 | 0.8% | 76.9% | $235,000 | |
Mortgage Solutions of Colorado
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VA | 9 | 0.8% | 92.3% | $273,888 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, VA | 8 | 0.7% | 100% | $212,500 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.7% | 22.2% | $106,428 | |
Ruoff Mortgage Company
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Conventional, VA | 7 | 0.7% | 100% | $250,714 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA, VA | 7 | 0.7% | 100% | $260,714 | View |
21St Mortgage
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Conventional | 7 | 0.7% | 46.7% | $132,142 | |
Spring Eq, LLC
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Conventional, HELOC | 6 +5 HELOCs |
0.6% | 37.5% | $58,333 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 6 | 0.6% | 26.1% | $140,000 | |
Guaranteed Rate, Inc.
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FHA, VA, HELOC | 5 +1 HELOCs |
0.5% | 100% | $217,000 | |
Interlinc Mortgage Services, LLC
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FHA, VA | 5 | 0.5% | 100% | $329,000 | |
Kind Lending, LLC
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Conventional, FHA, VA | 5 | 0.5% | 100% | $169,000 | |
BoxCar Mortgage, LLC
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VA | 5 | 0.5% | 83.3% | $243,000 | |
Loanunited.Com, LLC
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VA | 4 | 0.4% | 100% | $300,000 | |
Southeast Mortgage of Georgia, Inc.
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Conventional, FHA, VA | 4 | 0.4% | 100% | $137,500 | |
The Mortgage Firm
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VA | 4 | 0.4% | 100% | $282,500 | |
Mutual of Omaha Mortgage
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FHA, VA | 4 | 0.4% | 80% | $297,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 4 | 0.4% | 36.4% | $217,500 | |
The Loan Store, Inc
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Conventional, VA, HELOC | 3 +2 HELOCs |
0.3% | 100% | $185,000 | |
Goodleap, LLC
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FHA, VA | 3 | 0.3% | 100% | $275,000 | |
Equity Prime Mortgage LLC
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VA | 3 | 0.3% | 60% | $245,000 | |
AmeriHome Mortgage Company, LLC
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FHA, VA | 3 | 0.3% | 100% | $298,333 | |
Sun West Mortgage Company, Inc
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VA | 3 | 0.3% | 80% | $465,000 | |
Mid-Continent Funding, Inc.
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VA | 3 | 0.3% | 75% | $251,666 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $185,000 | |
Prosperity Home Mortgage, LLC
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VA | 3 | 0.3% | 100% | $271,666 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA, VA | 3 | 0.3% | 100% | $308,333 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, VA | 3 | 0.3% | 100% | $141,666 | View |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.2% | 100% | $150,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 2 | 0.2% | 50% | $125,000 | View |
PHH Mortgage Corporation
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VA | 2 | 0.2% | 100% | $350,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 2 | 0.2% | 100% | $100,000 | |
American Financing Corporation
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Conventional, VA | 2 | 0.2% | 100% | $295,000 | |
Atlantic Bay Mortgage Group
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Conventional | 2 | 0.2% | 100% | $55,000 | |
Milend, Inc
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FHA, VA | 2 | 0.2% | 100% | $190,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 2 | 0.2% | 40% | $310,000 | View |
Top Flite Financial, Inc.
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FHA | 2 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
VA, HELOC | 1 +2 HELOCs |
0.1% | 100% | $165,000 | View |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $285,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 4.93% |
VA | 1 | 0.1% | 100% | $215,000 | View |
SWBC Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 3.16% |
Conventional | 1 | 0.1% | 100% | $525,000 | View |
Nbkc Bank
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VA | 1 | 0.1% | 100% | $275,000 | |
Filo Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $335,000 | |
Resicentral LLC
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VA | 1 | 0.1% | 100% | $265,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 33.3% | $245,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
FHA | 1 | 0.1% | 100% | $145,000 | View |
Valon Mortgage
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 8.3% | $55,000 | |
Marlin Mortgage Capital, LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
Service Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Ameritrust Mortgage Corporation
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FHA | 1 | 0.1% | 100% | $275,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Transportation Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $25,000 | |
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A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
Churchill Mortgage Corporation
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VA | 1 | 0.1% | 100% | $255,000 | |
Suncoast Credit Union
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Conventional | 1 | 0.1% | 100% | $135,000 | |
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A5.0 ★Texas Ratio: 8.01% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.1% | 50% | $365,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.1% | 100% | $165,000 | View |
Wolfe Financial Inc
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VA | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.1% | 100% | $375,000 | View |
Member First Mortgage, LLC
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FHA | 1 | 0.1% | 33.3% | $165,000 | |
Acopia, LLC
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VA | 1 | 0.1% | 100% | $305,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Towne Mortgage Company
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VA | 1 | 0.1% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 4.01% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 0.1% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $475,000 | View |
Keesler Federal Credit Union
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VA | 1 | 0.1% | 100% | $275,000 | |
Paramount Residential Mortgage
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VA | 1 | 0.1% | 100% | $615,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Reliance First Capital, LLC
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VA | 1 | 0.1% | 100% | $365,000 | |
Texana Bank
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VA | 1 | 0.1% | 100% | $225,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.1% | 100% | $205,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.1% | 100% | $205,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $275,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Atlanta Postal Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Phenix 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 Phenix City, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Phenix City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Phenix City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Phenix City, AL
Use these to narrow the list above. Each category shows how many Phenix City, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Phenix City, AL
Independent mortgage companies closed 84.1 percent of home loans in Phenix City, Alabama in 2025, banks 11.2 percent and credit unions 4.8 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and Alabama State Employees CU the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 5 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 Phenix City, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Phenix City, Alabama with 5 loans, about 0.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Phenix City, Alabama, Canopy Mortgage, LLC approved the highest share of completed applications in 2025 at 98.9 percent, against a 79.4 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.
49 lenders closed FHA loans in Phenix City, Alabama in 2025, led by Canopy Mortgage, LLC with 24. 77 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 38 banks and 17 credit unions closed home loans in Phenix City, Alabama in 2025, alongside 81 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 Phenix 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 Phenix 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 Phenix 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.
