Mortgage Lenders and Brokers in Valley, Alabama
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Valley, Alabama mortgage lenders include AuburnBankAuburnBank132 Fob James Dr, Valley, AL 36854A+5.0 ★Texas Ratio: 0.07%, Southstate Bank, National AssociationSouthstate Bank, National Association3500 20th Ave, Valley, AL 36854A+5.0 ★Texas Ratio: 2.27%, Renasant BankRenasant Bank3216 20th Ave, Valley, AL 36854A+5.0 ★Texas Ratio: 4.72%, Capital City BankCapital City Bank375 Fob James Dr, Valley, AL 36854A+5.0 ★Texas Ratio: 2.55%, Ameris BankAmeris Bank204 Kirkland St, Abbeville, AL 36310A+5.0 ★Texas Ratio: 1.82%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, Wells Fargo Bank NAWells Fargo Bank NA500 Colonial Promenade Pkwy, Alabaster, AL 35007A+5.0 ★Texas Ratio: 5.36%, Alabama ONE Credit UnionAlabama ONE Credit Union3202 20th Ave, Valley, AL 36854 2951A5.0 ★Texas Ratio: 6.53%, Max Credit UnionMax Credit Union336 N Gay St, Auburn, AL 36830 3992A+5.0 ★Texas Ratio: 2.18%, and River Bank & TrustRiver Bank & Trust3617 Highway 280, Alexander City, AL 35010A+5.0 ★Texas Ratio: 4.39%. 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 Valley, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Valley 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 Valley, Alabama
Market share is the lender's share of all home loans closed in Valley, 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 |
|---|---|---|---|---|---|---|
|
1 office in Valley 132 Fob James Dr, Valley, AL 36854 A+5.0 ★Texas Ratio: 0.07% |
Conventional | 8 | 3.5% | 88.9% | $135,000 | View |
|
★ 5 stars, 1 review 1 office in Valley 3500 20th Ave, Valley, AL 36854 A+5.0 ★Texas Ratio: 2.27% |
Conventional, FHA, HELOC | 5 +8 HELOCs |
2.2% | 45.5% | $157,000 | View |
|
1 office in Valley 3216 20th Ave, Valley, AL 36854 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 2 | 0.9% | 66.7% | $295,000 | View |
|
1 office in Valley 375 Fob James Dr, Valley, AL 36854 A+5.0 ★Texas Ratio: 2.55% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
|
★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, FHA | 10 | 4.4% | 100% | $192,000 | View |
|
111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40% |
Conventional | 4 | 1.8% | 100% | $160,000 | View |
|
500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 1.3% | 100% | $155,000 | View |
|
3202 20th Ave, Valley, AL 36854 2951 A5.0 ★Texas Ratio: 6.53% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $265,000 | View |
|
336 N Gay St, Auburn, AL 36830 3992 A+5.0 ★Texas Ratio: 2.18% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $195,000 | View |
|
3617 Highway 280, Alexander City, AL 35010 A+5.0 ★Texas Ratio: 4.39% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $25,000 | View |
|
185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
|
2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
|
144 Cove Ave, Gulf Shores, AL 36542 A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
|
5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
|
★ 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 | |
|
55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 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 | |
Rocket Mortgage
|
Conventional, FHA | 21 | 9.2% | 81.5% | $154,523 | |
Equity Prime Mortgage LLC
|
FHA, USDA | 15 | 6.6% | 93.8% | $193,000 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 13 | 5.7% | 87.5% | $242,692 | |
|
A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA, USDA | 13 | 5.7% | 100% | $245,769 | View |
Cmg Mortgage Inc
|
Conventional, FHA, VA, USDA | 12 | 5.3% | 81.2% | $212,500 | |
Freedom Mortgage Corporation
|
FHA, VA | 7 | 3.1% | 100% | $169,285 | |
Primelending
|
Conventional, FHA | 7 | 3.1% | 100% | $145,000 | |
Movement Mortgage, LLC
|
Conventional, FHA | 7 | 3.1% | 90% | $150,714 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 6 | 2.6% | 100% | $168,333 | |
Nationstar Mortgage
|
Conventional, FHA, VA | 5 | 2.2% | 100% | $131,000 | |
Mortgage Research Center
|
FHA, VA | 5 | 2.2% | 55.6% | $209,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 5 | 2.2% | 34.8% | $119,000 | |
Kind Lending, LLC
|
Conventional, FHA, USDA | 4 | 1.8% | 100% | $170,000 | |
Guild Mortgage Company
|
FHA, VA | 4 | 1.8% | 100% | $230,000 | |
Ark-La-Tex Financial Services LLC
|
FHA, VA | 4 | 1.8% | 100% | $292,500 | |
loanDepot.com LLC
|
Conventional, FHA | 3 | 1.3% | 75% | $138,333 | |
Filo Mortgage, LLC
|
Conventional, FHA | 3 | 1.3% | 100% | $265,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 3 | 1.3% | 100% | $118,333 | |
Southeast Mortgage of Georgia, Inc.
|
FHA, VA | 3 | 1.3% | 100% | $311,666 | |
Geneva Financial LLC
|
Conventional, FHA | 3 | 1.3% | 100% | $135,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1.3% | 75% | $148,333 | |
Royal United Mortgage LLC
|
Conventional, USDA | 2 | 0.9% | 66.7% | $110,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 2 | 0.9% | 100% | $250,000 | |
Canopy Mortgage, LLC
|
Conventional, VA | 2 | 0.9% | 100% | $170,000 | |
PHH Mortgage Corporation
|
Conventional, FHA | 2 | 0.9% | 100% | $340,000 | |
Pentagon Federal Credit Union
|
Conventional, VA | 2 | 0.9% | 100% | $175,000 | |
Keystone Funding, Inc
|
FHA | 2 | 0.9% | 100% | $215,000 | |
Carrington Mortgage Services LLC
|
FHA, VA | 2 | 0.9% | 50% | $145,000 | |
Interlinc Mortgage Services, LLC
|
FHA | 1 | 0.4% | 100% | $175,000 | |
EMM Loans LLC
|
USDA | 1 | 0.4% | 100% | $225,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Primary Residential Mortgage, INC.
|
FHA | 1 | 0.4% | 100% | $175,000 | |
Goodleap, LLC
|
Conventional | 1 | 0.4% | 100% | $105,000 | |
Newrez LLC
|
Conventional | 1 | 0.4% | 33.3% | $165,000 | |
|
A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
United Trust Bank
|
VA | 1 | 0.4% | 100% | $195,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.4% | 25% | $45,000 | |
AmWest Funding Corp
|
Conventional | 1 | 0.4% | 100% | $175,000 | |
Union Home Mortgage Corp.
|
Conventional | 1 | 0.4% | 100% | $125,000 | |
|
A+5.0 ★Texas Ratio: 1.05% |
VA | 1 | 0.4% | 100% | $255,000 | View |
Land Home Financial Services,
|
Conventional | 1 | 0.4% | 100% | $205,000 | |
Planet Home Lending, LLC
|
Conventional | 1 | 0.4% | 100% | $395,000 | |
Atlanta Postal Credit Union
|
Conventional | 1 | 0.4% | 100% | $195,000 | |
American Pacific Mortgage Corporation
|
USDA | 1 | 0.4% | 100% | $265,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
Milend, Inc
|
FHA | 1 | 0.4% | 100% | $135,000 | |
First South Farm Credit, ACA
|
Conventional | 1 | 0.4% | 100% | $245,000 | |
Acopia, LLC
|
Conventional | 1 | 0.4% | 100% | $5,000 | |
Towne Mortgage Company
|
USDA | 1 | 0.4% | 50% | $235,000 | |
Prosperity Home Mortgage, LLC
|
USDA | 1 | 0.4% | 100% | $135,000 | |
Mutual of Omaha Mortgage
|
Conventional | 1 | 0.4% | 100% | $85,000 | |
New American Funding, LLC.
|
FHA | 1 | 0.4% | 50% | $145,000 | |
The Loan Store, Inc
|
Conventional | 1 | 0.4% | 100% | $245,000 | |
Southwest Stage Funding LLC
|
Conventional | 1 | 0.4% | 100% | $105,000 | |
21St Mortgage
|
Conventional | 1 | 0.4% | 50% | $115,000 | |
Paramount Residential Mortgage
|
Conventional | 1 | 0.4% | 100% | $465,000 | |
Village Capital & Investment
|
VA | 1 | 0.4% | 50% | $205,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Valley 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 Valley, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Valley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Valley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Valley, AL
Use these to narrow the list above. Each category shows how many Valley, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Valley, AL
Independent mortgage companies closed 70.2 percent of home loans in Valley, Alabama in 2025, banks 26.3 percent and credit unions 3.5 percent. Rocket Mortgage was the largest mortgage company, AuburnBank the largest bank and Alabama ONE Credit Union the largest credit union. Among lenders headquartered in Alabama, AuburnBank led with 8 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 Valley, AL
By home loans closed in 2025, AuburnBank was the largest mortgage lender in Valley, Alabama with 8 loans, about 3.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
30 lenders closed FHA loans in Valley, Alabama in 2025, led by Rocket Mortgage with 7. 17 lenders closed VA loans, led by United Wholesale Mortgage, and 9 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. 21 banks and 6 credit unions closed home loans in Valley, Alabama in 2025, alongside 51 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 Valley, 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 Valley, 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 Valley. 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.
