Mortgage Lenders and Brokers in Point Clear, 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
Point Clear, Alabama mortgage lenders include Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, BankplusBankplus1263 West Main Street, Dothan, AL 36301A+5.0 ★Texas Ratio: 4.80%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, First Horizon BankFirst Horizon Bank2340 Woodcrest Pl, Birmingham, AL 35209A+5.0 ★Texas Ratio: 5.76%, Servisfirst BankServisfirst Bank2320 Moores Mill Rd, Auburn, AL 36830A5.0 ★Texas Ratio: 8.75%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, United BankUnited Bank164 Lindbert Avenue, Atmore, AL 36502A+5.0 ★Texas Ratio: 2.15%, Centennial BankCentennial Bank24989 State St, Elberta, AL 36530A+5.0 ★Texas Ratio: 3.14%, and PNC Bank N.A.PNC Bank N.A.10745 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.24%. 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 Point Clear, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Point Clear 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 Point Clear, Alabama
Market share is the lender's share of all home loans closed in Point Clear, 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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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, VA, HELOC | 6 +1 HELOCs |
6.1% | 100% | $526,666 | View |
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1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
Conventional, Jumbo, HELOC | 5 +4 HELOCs |
5.1% | 75% | $691,000 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 3 +6 HELOCs |
3% | 60% | $768,333 | View |
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★ 5 stars, 1 review 2340 Woodcrest Pl, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
3% | 60% | $2,078,333 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
3% | 100% | $1,268,333 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional | 3 | 3% | 66.7% | $511,666 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, Jumbo | 2 | 2% | 100% | $1,070,000 | View |
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164 Lindbert Avenue, Atmore, AL 36502 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 2 | 2% | 100% | $310,000 | View |
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24989 State St, Elberta, AL 36530 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 2 | 2% | 66.7% | $325,000 | View |
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★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $385,000 | View |
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★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 100% | $765,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 1 +1 HELOCs |
1% | 50% | $465,000 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
1% | 100% | $945,000 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1% | 100% | $365,000 | View |
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861 Edwards Ave, Fairhope, AL 36532 A+5.0 ★Texas Ratio: 4.56% |
Conventional, Jumbo | 1 | 1% | 100% | $3,625,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 1% | 100% | $615,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional | 1 | 1% | 100% | $355,000 | View |
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301 S Edwards St, Enterprise, AL 36330 A+5.0 ★Texas Ratio: 2.99% |
Conventional, Jumbo | 1 | 1% | 100% | $1,695,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
Conventional | 1 | 1% | 100% | $405,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 1% | 100% | $625,000 | View |
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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 | |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CSL Financial, LLC
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Conventional | 2 | 2% | 100% | $165,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 1% | 100% | $605,000 | |
Rocket Mortgage
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Conventional | 7 | 7.1% | 100% | $265,000 | |
United Wholesale Mortgage
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Conventional, HELOC | 4 +1 HELOCs |
4% | 100% | $440,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 4 | 4% | 100% | $237,500 | |
Newrez LLC
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Conventional, FHA, VA | 3 | 3% | 75% | $341,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
2% | 66.7% | $330,000 | |
Cadence Bank
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Conventional | 2 | 2% | 100% | $420,000 | |
American Financial Resources LLC
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VA, Jumbo | 2 | 2% | 100% | $1,070,000 | |
loanDepot.com LLC
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Conventional | 2 | 2% | 66.7% | $410,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 2 | 2% | 55.6% | $100,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 2 | 2% | 100% | $240,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 2% | 33.3% | $240,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 2% | 100% | $490,000 | |
Premier Mortgage Resources, LLC
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VA | 1 | 1% | 100% | $705,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 1 | 1% | 100% | $965,000 | View |
Kind Lending, LLC
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Conventional | 1 | 1% | 100% | $705,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1% | 100% | $495,000 | |
Synergy One Lending, Inc.
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Conventional | 1 | 1% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 1% | 100% | $55,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.95% |
Conventional | 1 | 1% | 100% | $475,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 1% | 40% | $45,000 | |
Greenbox Loans
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Conventional, Jumbo | 1 | 1% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 1% | 100% | $655,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 1% | 100% | $995,000 | View |
Prosperity Home Mortgage, LLC
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FHA | 1 | 1% | 100% | $325,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 1% | 100% | $745,000 | |
PenAir Credit Union
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Conventional | 1 | 1% | 50% | $125,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 1% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional, Jumbo | 1 | 1% | 100% | $975,000 | View |
Gmfs, LLC
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Conventional | 1 | 1% | 100% | $655,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 1% | 100% | $1,345,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1% | 50% | $125,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 1% | 100% | $405,000 | |
Guaranteed Rate, Inc.
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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 | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Point Clear 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 Point Clear, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Point Clear? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Point Clear in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Point Clear, AL
Use these to narrow the list above. Each category shows how many Point Clear, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Point Clear, AL
Independent mortgage companies closed 43.4 percent of home loans in Point Clear, Alabama in 2025, banks 51.5 percent and credit unions 5.1 percent. CSL Financial, LLC was the largest mortgage company, Trustmark Bank the largest bank and Southern Energy Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 3 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 Point Clear, AL
By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Point Clear, Alabama with 6 loans, about 6.1 percent of the market. The largest lender headquartered in Alabama was Regions Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Point Clear, Alabama in 2025, led by Newrez LLC with 1. 6 lenders closed VA loans, led by American Financial Resources LLC. 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. 31 banks and 5 credit unions closed home loans in Point Clear, Alabama in 2025, alongside 25 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 Point Clear, 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 Point Clear, 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 Point Clear. 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.
