Mortgage Lenders and Brokers in Smiths Station, 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
Smiths Station, Alabama mortgage lenders include Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, Wells Fargo Bank NAWells Fargo Bank NA500 Colonial Promenade Pkwy, Alabaster, AL 35007A+5.0 ★Texas Ratio: 5.36%, AuburnBankAuburnBank819 E Glenn Ave Ste 110, Auburn, AL 36830A+5.0 ★Texas Ratio: 0.07%, Ameris BankAmeris Bank204 Kirkland St, Abbeville, AL 36310A+5.0 ★Texas Ratio: 1.82%, Servisfirst BankServisfirst Bank2320 Moores Mill Rd, Auburn, AL 36830A5.0 ★Texas Ratio: 8.75%, River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%, PNC Bank N.A.PNC Bank N.A.10745 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.24%, MidSouth BankMidSouth Bank520 N Broadway St, Ashford, AL 36312A+5.0 ★Texas Ratio: 1.99%, and First Community Bank of Central AlabamaFirst Community Bank of Central Alabama1875 Kowaliga Rd, Eclectic, AL 36024A4.6 ★Texas Ratio: 2.08%. 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 Smiths Station, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Smiths Station 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 Smiths Station, Alabama
Market share is the lender's share of all home loans closed in Smiths Station, 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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1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 11 +3 HELOCs |
3.5% | 100% | $307,727 | View |
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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +3 HELOCs |
1% | 36.4% | $115,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 50% | $210,000 | View |
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819 E Glenn Ave Ste 110, Auburn, AL 36830 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 2 | 0.6% | 66.7% | $135,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
VA | 2 | 0.6% | 100% | $320,000 | View |
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2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $465,000 | View |
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3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $35,000 | 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 +1 HELOCs |
0.3% | 100% | $315,000 | View |
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520 N Broadway St, Ashford, AL 36312 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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1875 Kowaliga Rd, Eclectic, AL 36024 A4.6 ★Texas Ratio: 2.08% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
FHA | 1 | 0.3% | 100% | $175,000 | 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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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
HELOC | 0 +1 HELOCs |
0% | 25% | 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 | |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA, HELOC | 32 +1 HELOCs |
10.3% | 94.6% | $290,937 | |
Rocket Mortgage
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Conventional, FHA, VA | 32 | 10.3% | 89.2% | $175,937 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 23 | 7.4% | 100% | $349,782 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 22 +1 HELOCs |
7.1% | 100% | $355,909 | |
Freedom Mortgage Corporation
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FHA, VA | 16 | 5.1% | 100% | $306,875 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA, VA | 16 | 5.1% | 44% | $180,000 | |
Mortgage Research Center
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VA | 14 | 4.5% | 66.7% | $360,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 3.5% | 84.6% | $250,454 | |
Synovus Bank
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Conventional, VA, HELOC | 8 +10 HELOCs |
2.6% | 100% | $250,000 | |
loanDepot.com LLC
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Conventional, VA | 7 | 2.3% | 70% | $112,142 | |
Ark-La-Tex Financial Services LLC
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FHA, VA | 7 | 2.3% | 100% | $249,285 | |
Nationstar Mortgage
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Conventional, VA | 6 | 1.9% | 100% | $126,666 | |
PHH Mortgage Corporation
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Conventional, VA | 5 | 1.6% | 100% | $293,000 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 5 | 1.6% | 71.4% | $289,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +4 HELOCs |
1.3% | 55.6% | $107,500 | |
Ruoff Mortgage Company
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Conventional, VA | 4 | 1.3% | 100% | $430,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 4 | 1.3% | 100% | $395,000 | |
Guild Mortgage Company
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Conventional, FHA, VA | 4 | 1.3% | 100% | $145,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 4 | 1.3% | 100% | $192,500 | View |
Kinetic Credit Union
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Conventional | 4 | 1.3% | 50% | $107,500 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 4 | 1.3% | 100% | $437,500 | View |
Interlinc Mortgage Services, LLC
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FHA, VA | 3 | 1% | 75% | $265,000 | |
Primelending
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FHA, VA | 3 | 1% | 60% | $221,666 | |
EMM Loans LLC
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FHA, VA | 2 | 0.6% | 100% | $250,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.6% | 50% | $140,000 | |
New Day Financial, LLC.
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FHA, VA | 2 | 0.6% | 40% | $220,000 | |
Planet Home Lending, LLC
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VA | 2 | 0.6% | 66.7% | $320,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 2 | 0.6% | 100% | $285,000 | View |
21St Mortgage
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Conventional | 2 | 0.6% | 66.7% | $145,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.6% | 100% | $210,000 | |
Cadence Bank
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $215,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.3% | 100% | $495,000 | View |
Goodleap, LLC
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Newrez LLC
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Conventional | 1 | 0.3% | 33.3% | $105,000 | |
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A5.0 ★Texas Ratio: 6.18% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
ALCOVA Mortgage, LLC
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USDA | 1 | 0.3% | 100% | $215,000 | |
AmeriHome Mortgage Company, LLC
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VA | 1 | 0.3% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $125,000 | |
Filo Mortgage, LLC
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VA | 1 | 0.3% | 100% | $445,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 9.1% | $25,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $395,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.3% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $55,000 | |
The Peoples Bank of Georgia
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Conventional | 1 | 0.3% | 100% | $445,000 | |
Weichert Financial Services
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $125,000 | View |
Churchill Mortgage Corporation
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VA | 1 | 0.3% | 100% | $535,000 | |
Nations Lending Corporation
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FHA | 1 | 0.3% | 50% | $195,000 | |
BoxCar Mortgage, LLC
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VA | 1 | 0.3% | 100% | $365,000 | |
American Pacific Mortgage Corporation
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USDA | 1 | 0.3% | 100% | $245,000 | |
The Mortgage Firm
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FHA | 1 | 0.3% | 100% | $215,000 | |
Towne Mortgage Company
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FHA | 1 | 0.3% | 100% | $145,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $525,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.3% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.3% | 100% | $235,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.3% | 33.3% | $295,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 10.77% |
VA | 1 | 0.3% | 100% | $525,000 | View |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.3% | 100% | $375,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 28.6% | $95,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% |
Smiths Station 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 Smiths Station, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Smiths Station? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Smiths Station in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Smiths Station, AL
Use these to narrow the list above. Each category shows how many Smiths Station, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Smiths Station, AL
Independent mortgage companies closed 79.1 percent of home loans in Smiths Station, Alabama in 2025, banks 18.3 percent and credit unions 2.6 percent. Cmg Mortgage Inc was the largest mortgage company, Renasant 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 Smiths Station, AL
By home loans closed in 2025, Renasant Bank was the largest mortgage lender in Smiths Station, Alabama with 11 loans, about 3.5 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.
24 lenders closed FHA loans in Smiths Station, Alabama in 2025, led by United Wholesale Mortgage with 10. 36 lenders closed VA loans, led by Canopy Mortgage, LLC, and 3 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. 29 banks and 4 credit unions closed home loans in Smiths Station, Alabama in 2025, alongside 46 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 Smiths Station, 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 Smiths Station, 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 Smiths Station. 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.
