Mortgage Lenders and Brokers in Theodore, 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
Theodore, Alabama mortgage lenders include Regions BankRegions Bank5810 Highway 90, Theodore, AL 36582A+5.0 ★Texas Ratio: 4.37%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, Hancock Whitney BankHancock Whitney Bank1712 Us Highway 98, Daphne, AL 36526A+5.0 ★Texas Ratio: 3.41%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, PNC Bank N.A.PNC Bank N.A.10745 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.24%, Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL 35209 4921A+5.0 ★Texas Ratio: 3.41%, Bryant BankBryant Bank286 Us Highway 31 S, Athens, AL 35611A+5.0 ★Texas Ratio: 2.46%, Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%, and Wells Fargo Bank NAWells Fargo Bank NA500 Colonial Promenade Pkwy, Alabaster, AL 35007A+5.0 ★Texas Ratio: 5.36%. 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 Theodore, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Theodore 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 Theodore, Alabama
Market share is the lender's share of all home loans closed in Theodore, 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 Theodore 5810 Highway 90, Theodore, AL 36582 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +1 HELOCs |
2.3% | 100% | $40,000 | View |
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111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, USDA, HELOC | 7 +1 HELOCs |
8% | 100% | $156,428 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA, USDA | 3 | 3.4% | 75% | $115,000 | View |
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★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41% |
FHA, USDA | 2 | 2.3% | 100% | $205,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 2 | 2.3% | 100% | $85,000 | 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 |
1.1% | 100% | $65,000 | View |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $125,000 | View |
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286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 1.1% | 100% | $195,000 | View |
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813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 1.1% | 100% | $45,000 | View |
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500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.1% | 100% | $105,000 | View |
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2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28% |
FHA | 1 | 1.1% | 100% | $155,000 | View |
All In Credit Union
5500 Willis Rd, Theodore, AL 36582 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tjc Mortgage Inc
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FHA | 1 | 1.1% | 100% | $175,000 | |
America'S First Federal CU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 8 | 9.1% | 100% | $100,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 5 | 5.7% | 83.3% | $129,000 | |
Geneva Financial LLC
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Conventional, FHA | 3 | 3.4% | 60% | $155,000 | |
Mortgage Research Center
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VA | 3 | 3.4% | 75% | $218,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 3.4% | 100% | $145,000 | |
United Wholesale Mortgage
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FHA | 2 | 2.3% | 100% | $155,000 | |
Everett Financial, Inc.
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FHA | 2 | 2.3% | 100% | $180,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 2.3% | 100% | $55,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 2.3% | 100% | $115,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 2.3% | 100% | $120,000 | |
Stockton Mortgage Corporation
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FHA, VA | 2 | 2.3% | 66.7% | $200,000 | |
Mortgage Solutions of Colorado
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Conventional, VA | 2 | 2.3% | 100% | $190,000 | |
Gmfs, LLC
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Conventional | 2 | 2.3% | 100% | $460,000 | |
Spring Eq, LLC
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Conventional | 2 | 2.3% | 100% | $45,000 | |
Cadence Bank
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Conventional | 1 | 1.1% | 100% | $65,000 | |
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A5.0 ★Texas Ratio: 12.33% |
FHA | 1 | 1.1% | 100% | $225,000 | View |
American Financial Resources LLC
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Conventional | 1 | 1.1% | 100% | $85,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 1.1% | 100% | $145,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.1% | 100% | $235,000 | |
Newrez LLC
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Conventional | 1 | 1.1% | 100% | $65,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.1% | 100% | $175,000 | |
Kind Lending, LLC
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FHA | 1 | 1.1% | 33.3% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 1.1% | 55.6% | $145,000 | View |
Pennymac Loan Services LLC
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FHA | 1 | 1.1% | 100% | $165,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 50% | $45,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.1% | 100% | $165,000 | |
Securitynational Mortgage Company
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FHA | 1 | 1.1% | 100% | $95,000 | |
Union Home Mortgage Corp.
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VA | 1 | 1.1% | 100% | $205,000 | |
Direct Mortgage Loans, LLC
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FHA | 1 | 1.1% | 100% | $215,000 | |
Synovus Bank
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FHA | 1 | 1.1% | 100% | $185,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $165,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 1.1% | 100% | $205,000 | |
DHI Mortgage Company, LTD.
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FHA | 1 | 1.1% | 100% | $225,000 | |
Keesler Federal Credit Union
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FHA | 1 | 1.1% | 100% | $235,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.1% | 50% | $85,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.1% | 100% | $35,000 | |
Loan Simple, Inc.
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USDA | 1 | 1.1% | 100% | $195,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1.1% | 100% | $185,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 1.1% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Theodore 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 Theodore, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Theodore? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Theodore in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Theodore, AL
Use these to narrow the list above. Each category shows how many Theodore, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Theodore, AL
Independent mortgage companies closed 70.5 percent of home loans in Theodore, Alabama in 2025, banks 27.3 percent and credit unions 2.3 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and Avadian Credit Union the largest credit union. Among lenders headquartered in Alabama, Regions Bank led with 2 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 Theodore, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Theodore, Alabama with 2 loans, about 2.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Theodore, Alabama in 2025, led by Trustmark Bank with 2. 5 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 14 banks and 5 credit unions closed home loans in Theodore, Alabama in 2025, alongside 36 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 Theodore, 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 Theodore, 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 Theodore. 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.
