Mortgage Lenders and Brokers in Sylacauga, 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
Sylacauga, Alabama mortgage lenders include Heritage South Credit UnionHeritage South Credit Union60 Gene E Stewart Blvd, Sylacauga, AL 35151A+5.0 ★Texas Ratio: 5.95%, FirstbankFirstbank101 W Fort Williams St, Sylacauga, AL 35150A5.0 ★Texas Ratio: 7.51%, Regions BankRegions Bank70 James B Payton Boulevard, Sylacauga, AL 35150A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank135 James Payton Blvd, Sylacauga, AL 35150A+5.0 ★Texas Ratio: 4.72%, Wells Fargo Bank NAWells Fargo Bank NA911 W Fort Williams St, Sylacauga, AL 35150A+5.0 ★Texas Ratio: 5.36%, Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL 35209 4921A+5.0 ★Texas Ratio: 3.41%, Metro BankMetro Bank35489 Ushwy 231, Ashville, AL 35953A+5.0 ★Texas Ratio: 5.61%, Southpoint BankSouthpoint Bank1096 N Brindlee Mountain Pkwy, Arab, AL 35016F2.8 ★Texas Ratio: 41.33%, Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL 35222A+5.0 ★Texas Ratio: 2.87%, and First US BankFirst US Bank3291 Highway 280 E, Birmingham, AL 35243A+5.0 ★Texas Ratio: 1.34%. 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 Sylacauga, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sylacauga 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 Sylacauga, Alabama
Market share is the lender's share of all home loans closed in Sylacauga, 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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60 Gene E Stewart Blvd, Sylacauga, AL 35151 A+5.0 ★Texas Ratio: 5.95% |
Conventional | 15 | 4.9% | 100% | $81,666 | View |
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1 office in Sylacauga 101 W Fort Williams St, Sylacauga, AL 35150 A5.0 ★Texas Ratio: 7.51% |
Conventional, HELOC | 4 +2 HELOCs |
1.3% | 62.5% | $70,000 | View |
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1 office in Sylacauga 70 James B Payton Boulevard, Sylacauga, AL 35150 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +7 HELOCs |
1% | 27.3% | $128,333 | View |
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1 office in Sylacauga 135 James Payton Blvd, Sylacauga, AL 35150 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.7% | 100% | $130,000 | View |
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1 office in Sylacauga 911 W Fort Williams St, Sylacauga, AL 35150 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.3% | 50% | $215,000 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $210,000 | View |
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35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61% |
Conventional | 2 | 0.7% | 100% | $25,000 | View |
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1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33% |
USDA | 1 | 0.3% | 100% | $155,000 | View |
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3601 4th Ave S, Birmingham, AL 35222 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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3291 Highway 280 E, Birmingham, AL 35243 A+5.0 ★Texas Ratio: 1.34% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
VA | 1 | 0.3% | 100% | $365,000 | 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 +2 HELOCs |
0% | n/a | View | |
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336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
All In Credit Union
609 Ozark Rd, Abbeville, AL 36310 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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2549 South Blvd, Brewton, AL 36426 A5.0 ★Texas Ratio: 6.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Hamilton Mortgage Corporation
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Conventional, FHA | 4 | 1.3% | 100% | $72,500 | |
America'S First Federal CU
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Conventional, HELOC | 3 +4 HELOCs |
1% | 75% | $101,666 | |
Consumer First Mortgage, Inc.
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Conventional | 2 | 0.7% | 66.7% | $270,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Peoples Mortgage Company
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Conventional, FHA, VA, USDA | 81 | 26.6% | 96.4% | $165,493 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 6.2% | 70.4% | $130,789 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 12 | 3.9% | 66.7% | $229,166 | |
Lennar Mortgage, LLC
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Conventional, FHA, USDA | 9 | 3% | 75% | $201,666 | |
Mortgage Research Center
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VA | 9 | 3% | 52.9% | $208,333 | |
Newrez LLC
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Conventional, FHA, USDA | 7 | 2.3% | 77.8% | $139,285 | |
Kind Lending, LLC
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FHA, USDA | 7 | 2.3% | 77.8% | $219,285 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 7 | 2.3% | 61.9% | $147,857 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 7 | 2.3% | 100% | $140,714 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 6 +1 HELOCs |
2% | 66.7% | $81,666 | |
Movement Mortgage, LLC
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Conventional, FHA | 6 | 2% | 100% | $155,000 | |
21St Mortgage
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Conventional | 6 | 2% | 31.8% | $146,666 | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 5 | 1.6% | 85.7% | $221,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.3% | 66.7% | $135,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.3% | 40% | $82,500 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 1.3% | 100% | $125,000 | |
American Financial Resources LLC
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Conventional, USDA | 3 | 1% | 75% | $208,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 1% | 60% | $135,000 | |
Equity Prime Mortgage LLC
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FHA | 3 | 1% | 100% | $148,333 | |
Pennymac Loan Services LLC
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FHA, VA | 3 | 1% | 50% | $165,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 3 | 1% | 60% | $255,000 | View |
Mortgage Solutions of Colorado
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VA | 3 | 1% | 100% | $208,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1% | 17.9% | $161,666 | |
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A4.6 ★Texas Ratio: 2.08% |
FHA, USDA | 2 | 0.7% | 100% | $155,000 | View |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 0.7% | 66.7% | $340,000 | |
Lendlo Mortgage, LLC
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FHA | 2 | 0.7% | 100% | $210,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $85,000 | |
New Day Financial, LLC.
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VA | 2 | 0.7% | 33.3% | $205,000 | |
Towne Mortgage Company
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FHA, USDA | 2 | 0.7% | 100% | $140,000 | |
The Loan Store, Inc
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Conventional, FHA | 2 | 0.7% | 100% | $150,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 0.7% | 100% | $120,000 | |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.7% | 50% | $65,000 | |
Cadence Bank
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $105,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.3% | 100% | $45,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.3% | 100% | $115,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $115,000 | |
Aspire Home Loans
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USDA | 1 | 0.3% | 100% | $165,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.3% | 100% | $125,000 | View |
Princeton Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $285,000 | |
Guild Mortgage Company
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FHA | 1 | 0.3% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 50% | $125,000 | View |
FirstTrust Home Loans
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FHA | 1 | 0.3% | 100% | $275,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 50% | $65,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $125,000 | |
First Colony Mortgage Corporat
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FHA | 1 | 0.3% | 100% | $155,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $155,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Credence Funding Corporation
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VA | 1 | 0.3% | 100% | $275,000 | |
Embrace Home Loans, Inc.
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FHA | 1 | 0.3% | 100% | $165,000 | |
The Local Lender, LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $435,000 | View |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
V.I.P. Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $195,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 100% | $255,000 | |
Lower, LLC
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VA | 1 | 0.3% | 100% | $155,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 100% | $315,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.3% | 33.3% | $145,000 | |
Southwest Funding LP
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FHA | 1 | 0.3% | 100% | $205,000 | |
Village Capital & Investment
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VA | 1 | 0.3% | 60% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 100% | ||
Honda Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Sylacauga 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 Sylacauga, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Sylacauga? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sylacauga in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sylacauga, AL
Use these to narrow the list above. Each category shows how many Sylacauga, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Sylacauga, AL
Independent mortgage companies closed 83.6 percent of home loans in Sylacauga, Alabama in 2025, banks 9.2 percent and credit unions 7.2 percent. Hamilton Mortgage Corporation was the largest mortgage company, Firstbank the largest bank and Heritage South Credit Union the largest credit union. Among lenders headquartered in Alabama, Heritage South Credit Union led with 15 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 Sylacauga, AL
By home loans closed in 2025, Heritage South Credit Union was the largest mortgage lender in Sylacauga, Alabama with 15 loans, about 4.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Sylacauga, Alabama, Peoples Mortgage Company approved the highest share of completed applications in 2025 at 96.4 percent, against a 71.2 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.
33 lenders closed FHA loans in Sylacauga, Alabama in 2025, led by Peoples Mortgage Company with 28. 17 lenders closed VA loans, led by Mortgage Research Center, and 12 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 9 credit unions closed home loans in Sylacauga, Alabama in 2025, alongside 56 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 Sylacauga, 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 Sylacauga, 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 Sylacauga. 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.
