Mortgage Lenders and Brokers in Sheffield, 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
Sheffield, Alabama mortgage lenders include Bank IndependentBank Independent710 S Montgomery Ave, Sheffield, AL 35660A+5.0 ★Texas Ratio: 1.45%, Listerhill Credit UnionListerhill Credit Union703 S Montgomery Ave, Sheffield, AL 35660 3811A+5.0 ★Texas Ratio: 3.96%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, Peoplestrust BankPeoplestrust Bank1131 Wills Ave, Florence, AL 35630A+5.0 ★Texas Ratio: 3.80%, Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL 35222A+5.0 ★Texas Ratio: 2.87%, First Metro BankFirst Metro Bank309 W Washington St, Athens, AL 35611A+5.0 ★Texas Ratio: 1.01%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, First Southern BankFirst Southern Bank1720 Us Highway 431, Boaz, AL 35957F1.0 ★Texas Ratio: 85.21%, and First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%. 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 Sheffield, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sheffield 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 Sheffield, Alabama
Market share is the lender's share of all home loans closed in Sheffield, 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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710 S Montgomery Ave, Sheffield, AL 35660 A+5.0 ★Texas Ratio: 1.45% |
Conventional, FHA, HELOC | 16 +4 HELOCs |
9.2% | 79.2% | $116,875 | View |
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703 S Montgomery Ave, Sheffield, AL 35660 3811 A+5.0 ★Texas Ratio: 3.96% |
Conventional, HELOC | 11 +4 HELOCs |
6.4% | 91.7% | $145,909 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
9.8% | 94.4% | $145,588 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 6 +4 HELOCs |
3.5% | 63.6% | $58,333 | View |
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1131 Wills Ave, Florence, AL 35630 A+5.0 ★Texas Ratio: 3.80% |
Conventional | 5 | 2.9% | 100% | $89,000 | View |
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3601 4th Ave S, Birmingham, AL 35222 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 4 | 2.3% | 100% | $77,500 | View |
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309 W Washington St, Athens, AL 35611 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 4 | 2.3% | 57.1% | $65,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 2 | 1.2% | 100% | $390,000 | View |
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1720 Us Highway 431, Boaz, AL 35957 F1.0 ★Texas Ratio: 85.21% |
Conventional | 2 | 1.2% | 66.7% | $105,000 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 2 | 1.2% | 100% | $150,000 | View |
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425 Cox Blvd, Sheffield, AL 35660 A+5.0 ★Texas Ratio: 0.70% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $55,000 | View |
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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
FHA | 1 | 0.6% | 100% | $115,000 | View |
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323 N NASHVILLE AVE, SHEFFIELD, AL 35660 A5.0 ★Texas Ratio: 8.00% |
Conventional | 1 | 0.6% | 100% | $45,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.6% | 100% | $805,000 | View |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 +1 HELOCs |
0% | n/a | View | |
Consumer First Mortgage, Inc.
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FHA | 1 | 0.6% | 100% | $125,000 | |
Cis Financial Services, Inc.
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FHA | 1 | 0.6% | 100% | $155,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 19 | 11% | 86.4% | $124,473 | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 6.9% | 70.6% | $178,333 | |
United Wholesale Mortgage
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FHA, VA | 4 | 2.3% | 80% | $277,500 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 2.3% | 80% | $92,500 | |
Movement Mortgage, LLC
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Conventional, FHA | 4 | 2.3% | 80% | $177,500 | |
New American Funding, LLC.
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Conventional, FHA, VA | 4 | 2.3% | 80% | $157,500 | |
Pennymac Loan Services LLC
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FHA | 3 | 1.7% | 100% | $148,333 | |
Guild Mortgage Company
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Conventional | 3 | 1.7% | 100% | $198,333 | |
Wolfe Financial Inc
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Conventional, FHA | 3 | 1.7% | 100% | $141,666 | |
Mortgage Research Center
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VA | 3 | 1.7% | 100% | $278,333 | |
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A+5.0 ★Texas Ratio: 5.42% |
FHA | 3 | 1.7% | 100% | $118,333 | View |
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A4.6 ★Texas Ratio: 2.08% |
FHA | 2 | 1.2% | 100% | $135,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 1.2% | 100% | $215,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $65,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 1.2% | 100% | $70,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.2% | 100% | $250,000 | |
Village Capital & Investment
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VA | 2 | 1.2% | 100% | $170,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.6% | 100% | $375,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.6% | 100% | $125,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.6% | 100% | $215,000 | |
Newrez LLC
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Conventional | 1 | 0.6% | 100% | $95,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 6.18% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.6% | 100% | $75,000 | |
Kind Lending, LLC
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FHA | 1 | 0.6% | 100% | $65,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.6% | 100% | $135,000 | |
United Trust Bank
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VA | 1 | 0.6% | 100% | $295,000 | |
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A5.0 ★Texas Ratio: 13.85% |
FHA | 1 | 0.6% | 100% | $235,000 | View |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 25% | $95,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $95,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $115,000 | |
Gardner Financial Services
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Conventional | 1 | 0.6% | 100% | $75,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $95,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Towne Mortgage Company
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VA | 1 | 0.6% | 100% | $265,000 | |
The Loan Store, Inc
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FHA | 1 | 0.6% | 100% | $95,000 | |
Lower, LLC
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VA | 1 | 0.6% | 100% | $95,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.6% | 100% | $225,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.6% | 100% | $75,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Baxter 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 |
Sheffield 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 Sheffield, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Sheffield? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sheffield in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sheffield, AL
Use these to narrow the list above. Each category shows how many Sheffield, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Sheffield, AL
Independent mortgage companies closed 54.3 percent of home loans in Sheffield, Alabama in 2025, banks 35.3 percent and credit unions 10.4 percent. Consumer First Mortgage, Inc. was the largest mortgage company, Bank Independent the largest bank and Listerhill Credit Union the largest credit union. Among lenders headquartered in Alabama, Bank Independent led with 16 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 Sheffield, AL
By home loans closed in 2025, Bank Independent was the largest mortgage lender in Sheffield, Alabama with 16 loans, about 9.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Sheffield, Alabama in 2025, led by Assurance Financial Group, L.L.C. with 11. 10 lenders closed VA loans, led by Rocket Mortgage. 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. 18 banks and 6 credit unions closed home loans in Sheffield, Alabama in 2025, alongside 39 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 Sheffield, 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 Sheffield, 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 Sheffield. 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.
