Mortgage Lenders and Brokers in Semmes, 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
Semmes, Alabama mortgage lenders include Regions BankRegions Bank9001 Moffett Rd, Semmes, AL 36575A+5.0 ★Texas Ratio: 4.37%, PNC Bank N.A.PNC Bank N.A.7800 Moffett Rd, Semmes, AL 36575A+5.0 ★Texas Ratio: 4.24%, Century BankCentury Bank7875 Moffett Rd, Semmes, AL 36575A+5.0 ★Texas Ratio: 4.56%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, New Horizons Credit UnionNew Horizons Credit Union3385 Schillinger Rd N Ste 19, Semmes, AL 36575 5494A+5.0 ★Texas Ratio: 2.51%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, Hancock Whitney BankHancock Whitney Bank1712 Us Highway 98, Daphne, AL 36526A+5.0 ★Texas Ratio: 3.41%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, and Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%. 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 Semmes, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Semmes 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 Semmes, Alabama
Market share is the lender's share of all home loans closed in Semmes, 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 Semmes 9001 Moffett Rd, Semmes, AL 36575 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, USDA, HELOC | 26 +34 HELOCs |
4.3% | 53.8% | $100,769 | View |
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★ 1.7 stars, 3 reviews 1 office in Semmes 7800 Moffett Rd, Semmes, AL 36575 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +15 HELOCs |
0.2% | 50% | $125,000 | View |
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1 office in Semmes 7875 Moffett Rd, Semmes, AL 36575 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, USDA, HELOC | 21 +8 HELOCs |
3.4% | 84.6% | $273,571 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 15 +7 HELOCs |
2.5% | 100% | $335,666 | View |
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3385 Schillinger Rd N Ste 19, Semmes, AL 36575 5494 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 9 +6 HELOCs |
1.5% | 81.8% | $143,888 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, VA | 8 | 1.3% | 71.4% | $113,750 | View |
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★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41% |
Conventional, FHA, USDA, HELOC | 7 +6 HELOCs |
1.1% | 87.5% | $210,714 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 7 | 1.1% | 87.5% | $230,714 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
1% | 100% | $270,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
Conventional, FHA | 6 | 1% | 100% | $200,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional, USDA, Jumbo, HELOC | 4 +3 HELOCs |
0.7% | 80% | $367,500 | View |
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185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.5% | 100% | $168,333 | View |
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1263 West Main Street, Dothan, AL 36301 A+5.0 ★Texas Ratio: 4.80% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $215,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 2 | 0.3% | 100% | $425,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 0.3% | 66.7% | $260,000 | View |
All In Credit Union
609 Ozark Rd, Abbeville, AL 36310 |
Conventional, HELOC | 1 +11 HELOCs |
0.2% | 25% | $25,000 | |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
First Nation Bank and Trust
104 Lindberg Ave, Atmore, AL 36502 |
Conventional | 1 | 0.2% | 100% | $185,000 | |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 0.2% | 100% | $455,000 | 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 +2 HELOCs |
0% | n/a | View | |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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 | |
America'S First Federal CU
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Conventional, HELOC | 1 +6 HELOCs |
0.2% | 100% | $75,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 57 | 9.3% | 71.8% | $187,982 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 33 +2 HELOCs |
5.4% | 89.2% | $241,666 | |
Embrace Home Loans, Inc.
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Conventional, FHA, USDA | 32 | 5.2% | 94.3% | $210,625 | |
Mortgage Research Center
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FHA, VA, USDA | 25 | 4.1% | 64.1% | $237,800 | |
Gmfs, LLC
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Conventional, FHA, VA, USDA | 21 | 3.4% | 95.5% | $266,428 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 19 | 3.1% | 78.8% | $272,894 | |
Towne Mortgage Company
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Conventional, FHA, USDA | 16 | 2.6% | 100% | $235,625 | |
Pennymac Loan Services LLC
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Conventional, FHA | 13 | 2.1% | 76.2% | $136,538 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA | 13 | 2.1% | 100% | $239,615 | |
SWBC Mortgage Corporation
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Conventional, FHA, VA, USDA | 11 | 1.8% | 100% | $253,181 | |
loanDepot.com LLC
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Conventional, FHA, VA | 10 | 1.6% | 75% | $168,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 10 | 1.6% | 90.9% | $116,000 | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 10 | 1.6% | 100% | $215,000 | |
Cadence Bank
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Conventional, FHA, VA, HELOC | 9 +4 HELOCs |
1.5% | 81.8% | $201,666 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 9 | 1.5% | 45% | $303,888 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 8 | 1.3% | 72.2% | $101,250 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 7 | 1.1% | 53.3% | $205,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 7 | 1.1% | 42.1% | $112,142 | View |
Newrez LLC
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Conventional, FHA, VA, USDA | 6 | 1% | 58.3% | $275,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional, FHA | 6 | 1% | 100% | $90,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 6 | 1% | 100% | $236,666 | |
Acrisure Mortgage, LLC
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FHA, VA | 5 | 0.8% | 100% | $347,000 | |
Navigator Credit Union
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Conventional | 5 | 0.8% | 100% | $147,000 | |
Geneva Financial LLC
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Conventional, FHA, VA | 5 | 0.8% | 100% | $201,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 5 | 0.8% | 100% | $177,000 | |
Direct Mortgage Loans, LLC
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Conventional, FHA, VA | 5 | 0.8% | 100% | $271,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA, USDA | 5 | 0.8% | 71.4% | $195,000 | |
New American Funding, LLC.
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Conventional, FHA, VA | 5 | 0.8% | 100% | $253,000 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional, FHA | 4 | 0.7% | 100% | $220,000 | View |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.7% | 80% | $265,000 | |
PHH Mortgage Corporation
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Conventional | 4 | 0.7% | 100% | $185,000 | |
Securitynational Mortgage Company
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Conventional, FHA, VA | 4 | 0.7% | 100% | $177,500 | |
Mortgage Solutions of Colorado
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Conventional, FHA, VA | 4 | 0.7% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 3 +4 HELOCs |
0.5% | 60% | $281,666 | |
Keesler Federal Credit Union
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FHA, VA, HELOC | 3 +3 HELOCs |
0.5% | 60% | $311,666 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.5% | 100% | $248,333 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 0.5% | 75% | $138,333 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 3 | 0.5% | 100% | $158,333 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.5% | 100% | $261,666 | |
New Day Financial, LLC.
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VA | 3 | 0.5% | 80% | $321,666 | |
Lower, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $188,333 | |
Village Capital & Investment
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FHA, VA | 3 | 0.5% | 80% | $358,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.3% | 25% | $50,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA, USDA | 2 | 0.3% | 100% | $140,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.3% | 100% | $300,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 2 | 0.3% | 100% | $145,000 | View |
United Trust Bank
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FHA, VA | 2 | 0.3% | 100% | $210,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.3% | 13.3% | $50,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.3% | 50% | $235,000 | |
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A5.0 ★Texas Ratio: 7.12% |
Conventional, FHA | 2 | 0.3% | 100% | $300,000 | View |
American Financing Corporation
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FHA | 2 | 0.3% | 50% | $165,000 | |
Flat Branch Mortgage, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $210,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.3% | 100% | $325,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $310,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 100% | $255,000 | View |
Better Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $170,000 | |
21St Mortgage
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Conventional | 2 | 0.3% | 17.6% | $135,000 | |
Paramount Residential Mortgage
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FHA | 2 | 0.3% | 100% | $265,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.3% | 14.3% | $95,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 2 | 0.3% | 100% | $320,000 | View |
Ark-La-Tex Financial Services LLC
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FHA, VA | 2 | 0.3% | 100% | $240,000 | |
Goodleap, LLC
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FHA, HELOC | 1 +2 HELOCs |
0.2% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 50% | $405,000 | View |
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A5.0 ★Texas Ratio: 12.33% |
FHA | 1 | 0.2% | 100% | $255,000 | View |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 16.7% | $55,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.2% | 50% | $225,000 | |
Guaranteed Rate Affinity, LLC
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VA | 1 | 0.2% | 100% | $235,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.2% | 100% | $295,000 | View |
Canopy Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $315,000 | |
Nbkc Bank
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VA | 1 | 0.2% | 50% | $375,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
Loanunited.Com, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
American Financial Network, Inc.
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USDA | 1 | 0.2% | 100% | $245,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Michigan Mutual, Inc
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FHA | 1 | 0.2% | 100% | $205,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 50% | $225,000 | |
Nfm, Inc
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FHA | 1 | 0.2% | 100% | $325,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 50% | $115,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
FHA | 1 | 0.2% | 100% | $205,000 | View |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.2% | 100% | $115,000 | View |
Milend, Inc
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Saygo Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $485,000 | |
Sente Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $335,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.2% | 100% | $215,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $265,000 | View |
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A+5.0 ★Texas Ratio: 4.07% |
FHA | 1 | 0.2% | 33.3% | $295,000 | View |
Staunton Financial Inc
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VA | 1 | 0.2% | 100% | $385,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.2% | 100% | $225,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.2% | 50% | $255,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $145,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
The Loan Store, Inc
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | 50% | ||
Empeople Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Northwest Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Purdue Federal Cu
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Semmes 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 Semmes, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Semmes? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Semmes in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Semmes, AL
Use these to narrow the list above. Each category shows how many Semmes, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Semmes, AL
Independent mortgage companies closed 71.5 percent of home loans in Semmes, Alabama in 2025, banks 23.8 percent and credit unions 4.8 percent. Rocket Mortgage was the largest mortgage company, Regions Bank the largest bank and New Horizons Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank 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 Semmes, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Semmes, Alabama with 26 loans, about 4.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Semmes, Alabama, Rocket Mortgage approved the highest share of completed applications in 2025 at 71.8 percent, against a 73.9 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.
76 lenders closed FHA loans in Semmes, Alabama in 2025, led by Embrace Home Loans, Inc. with 27. 39 lenders closed VA loans, led by Mortgage Research Center, and 16 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. 37 banks and 13 credit unions closed home loans in Semmes, Alabama in 2025, alongside 80 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 Semmes, 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 Semmes, 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 Semmes. 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.
