Mortgage Lenders and Brokers in Rainsville, 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
Rainsville, Alabama mortgage lenders include Regions BankRegions Bank76 Main St W, Rainsville, AL 35986A+5.0 ★Texas Ratio: 4.37%, WinSouth Credit UnionWinSouth Credit Union67 ROY SANDERSON AVE, RAINSVILLE, AL 35986A+5.0 ★Texas Ratio: 3.81%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, Redstone Federal Credit UnionRedstone Federal Credit Union1069 N Main St, Arab, AL 35016A+5.0 ★Texas Ratio: 2.10%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, Peoples Independent BankPeoples Independent Bank121 Billy B Dyar Boulevard, Boaz, AL 35957A+5.0 ★Texas Ratio: 1.40%, Liberty BankLiberty Bank305 N Broad St, Albertville, AL 35950A+5.0 ★Texas Ratio: 1.01%, United Community BankUnited Community Bank2121 Highland Ave S, Birmingham, AL 35205A+5.0 ★Texas Ratio: 2.97%, Local BankLocal Bank2204 Whitesburg Drive Sw, Huntsville, AL 35801A5.0 ★Texas Ratio: 8.28%, and EvaBankEvaBank1001 N Brindlee Mountain Pkwy, Arab, AL 35016A5.0 ★Texas Ratio: 6.16%. 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 Rainsville, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rainsville 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 Rainsville, Alabama
Market share is the lender's share of all home loans closed in Rainsville, 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 Rainsville 76 Main St W, Rainsville, AL 35986 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 11 +11 HELOCs |
5.3% | 56.5% | $142,272 | View |
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67 ROY SANDERSON AVE, RAINSVILLE, AL 35986 A+5.0 ★Texas Ratio: 3.81% |
Conventional | 8 | 3.9% | 66.7% | $122,500 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA | 7 | 3.4% | 100% | $226,428 | View |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
2.4% | 100% | $169,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 4 | 1.9% | 100% | $270,000 | View |
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121 Billy B Dyar Boulevard, Boaz, AL 35957 A+5.0 ★Texas Ratio: 1.40% |
Conventional | 3 | 1.4% | 100% | $38,333 | View |
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305 N Broad St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 2 | 1% | 100% | $65,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional, FHA | 2 | 1% | 100% | $75,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
FHA, USDA | 2 | 1% | 100% | $195,000 | View |
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1001 N Brindlee Mountain Pkwy, Arab, AL 35016 A5.0 ★Texas Ratio: 6.16% |
Conventional | 2 | 1% | 100% | $90,000 | 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 +5 HELOCs |
0.5% | 50% | $115,000 | View |
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1008 Portwood Dr, Albertville, AL 35951 7316 A+5.0 ★Texas Ratio: 4.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 37.5% | $185,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.5% | 100% | $165,000 | View |
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50550 Al Highway 277, Bridgeport, AL 35740 A+5.0 ★Texas Ratio: 1.03% |
Conventional | 1 | 0.5% | 100% | $65,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
VA | 1 | 0.5% | 100% | $155,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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7200 US Highway 431 Ste 350, Albertville, AL 35950 1250 A5.0 ★Texas Ratio: 8.94% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Consumer First Mortgage, Inc.
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FHA | 1 | 0.5% | 100% | $195,000 | |
Tjc Mortgage Inc
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FHA | 1 | 0.5% | 100% | $355,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.5% | 100% | $135,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 19 | 9.2% | 90.9% | $221,842 | |
Rocket Mortgage
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Conventional, FHA | 15 | 7.2% | 71.4% | $168,333 | |
Mortgage Research Center
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FHA, VA | 9 | 4.3% | 60% | $276,111 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 7 | 3.4% | 100% | $212,142 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, USDA | 7 | 3.4% | 100% | $229,285 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 7 | 3.4% | 100% | $250,714 | View |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 6 | 2.9% | 100% | $235,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 5 | 2.4% | 100% | $205,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 2.4% | 100% | $187,000 | |
Kind Lending, LLC
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FHA | 4 | 1.9% | 83.3% | $242,500 | |
Victorian Finance, LLC
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Conventional, FHA | 4 | 1.9% | 100% | $152,500 | |
Lakeview Loan Servicing, LLC
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FHA, VA | 3 | 1.4% | 55.6% | $181,666 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 1.4% | 60% | $145,000 | |
loanDepot.com LLC
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FHA | 3 | 1.4% | 100% | $168,333 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.4% | 100% | $245,000 | |
21St Mortgage
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Conventional | 3 | 1.4% | 60% | $101,666 | |
Goodleap, LLC
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FHA | 2 | 1% | 66.7% | $170,000 | |
Newrez LLC
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Conventional, VA | 2 | 1% | 100% | $90,000 | |
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A-4.4 ★Texas Ratio: 2.48% |
Conventional | 2 | 1% | 100% | $55,000 | View |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 2 | 1% | 66.7% | $170,000 | View |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1% | 100% | $290,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 1% | 100% | $110,000 | |
Mid-Continent Funding, Inc.
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VA | 2 | 1% | 100% | $220,000 | |
Highlands Residential Mortgage, Ltd.
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FHA, USDA | 2 | 1% | 100% | $250,000 | |
Atlantic Bay Mortgage Group
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Conventional | 2 | 1% | 100% | $165,000 | |
Planet Home Lending, LLC
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FHA | 2 | 1% | 100% | $235,000 | |
Acopia, LLC
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Conventional, FHA | 2 | 1% | 100% | $110,000 | |
Towne Mortgage Company
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FHA | 2 | 1% | 100% | $255,000 | |
Spring Eq, LLC
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Conventional | 2 | 1% | 66.7% | $110,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.5% | 50% | $495,000 | View |
American Financial Resources LLC
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USDA | 1 | 0.5% | 33.3% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.5% | 100% | $555,000 | View |
Guaranteed Rate, Inc.
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VA | 1 | 0.5% | 100% | $225,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $285,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $45,000 | View |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Churchill Mortgage Corporation
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USDA | 1 | 0.5% | 100% | $215,000 | |
Milend, Inc
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Summit Funding.Inc
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VA | 1 | 0.5% | 100% | $395,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.5% | 100% | $275,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.5% | 100% | $475,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $215,000 | |
Lower, LLC
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Conventional | 1 | 0.5% | 33.3% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.5% | 100% | $295,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.5% | 12.5% | $75,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.5% | 50% | $55,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.5% | 100% | $275,000 | |
Ark-La-Tex Financial Services LLC
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VA | 1 | 0.5% | 100% | $365,000 | |
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% | 0% | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Rainsville 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 Rainsville, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Rainsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rainsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rainsville, AL
Use these to narrow the list above. Each category shows how many Rainsville, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Rainsville, AL
Independent mortgage companies closed 70.5 percent of home loans in Rainsville, Alabama in 2025, banks 21.3 percent and credit unions 8.2 percent. Consumer First Mortgage, Inc. was the largest mortgage company, Regions Bank the largest bank and WinSouth Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 11 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 Rainsville, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Rainsville, Alabama with 11 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Rainsville, Alabama in 2025, led by United Wholesale Mortgage 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. 20 banks and 5 credit unions closed home loans in Rainsville, Alabama in 2025, alongside 50 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 Rainsville, 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 Rainsville, 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 Rainsville. 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.
