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Mortgage Lenders and Brokers in Vestavia Hills, Alabama

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Vestavia Hills, Alabama mortgage lenders include Regions BankRegions Bank529 Montgomery Hwy, Vestavia Hills, AL 35216A+5.0 ★Texas Ratio: 4.37%, First Horizon BankFirst Horizon Bank613 Montgomery Hwy, Vestavia Hills, AL 35216A+5.0 ★Texas Ratio: 5.76%, Truist BankTruist Bank1034 Montgomery Hwy, Vestavia Hills, AL 35216A+5.0 ★Texas Ratio: 2.87%, Community Bank of MississippiCommunity Bank of Mississippi813 Shades Creek Pkwy, Birmingham, AL 35209A+5.0 ★Texas Ratio: 3.09%, Pinnacle BankPinnacle Bank112 N Jefferson St, Athens, AL 35611A+5.0 ★Texas Ratio: 3.04%, Fifth Third Bank, National AssociationFifth Third Bank, National Association9064 Memorial Pkwy Sw, Huntsville, AL 35802A+5.0 ★Texas Ratio: 3.22%, United Community BankUnited Community Bank2121 Highland Ave S, Birmingham, AL 35205A+5.0 ★Texas Ratio: 2.97%, Renasant BankRenasant Bank1943 E Glenn Ave, Auburn, AL 36830A+5.0 ★Texas Ratio: 4.72%, Trustmark BankTrustmark Bank111 E Market St, Athens, AL 35611A+5.0 ★Texas Ratio: 2.40%, and Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL 35209 4921A+5.0 ★Texas Ratio: 3.41%. 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 Vestavia Hills, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Vestavia Hills 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 Vestavia Hills, Alabama

Market share is the lender's share of all home loans closed in Vestavia Hills, 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
Regions Bank 1 office in Vestavia Hills 529 Montgomery Hwy, Vestavia Hills, AL 35216 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, Jumbo, HELOC	34 +64 HELOCs	5%	80.4%	$419,411	View
First Horizon Bank ★ 5 stars, 1 review 1 office in Vestavia Hills 613 Montgomery Hwy, Vestavia Hills, AL 35216 A+5.0 ★Texas Ratio: 5.76%	Conventional, Jumbo, HELOC	5 +12 HELOCs	0.7%	83.3%	$675,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Vestavia Hills 1034 Montgomery Hwy, Vestavia Hills, AL 35216 A+5.0 ★Texas Ratio: 2.87%	Conventional, HELOC	3 +10 HELOCs	0.4%	100%	$335,000	View
Community Bank of Mississippi 1 office in Vestavia Hills 813 Shades Creek Pkwy, Birmingham, AL 35209 A+5.0 ★Texas Ratio: 3.09%	Conventional, HELOC	3 +4 HELOCs	0.4%	75%	$271,666	View
Pinnacle Bank 1 office in Vestavia Hills 112 N Jefferson St, Athens, AL 35611 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$151,666	View
Fifth Third Bank, National Association 2 offices in Vestavia Hills 9064 Memorial Pkwy Sw, Huntsville, AL 35802 A+5.0 ★Texas Ratio: 3.22%	Conventional	2	0.3%	100%	$335,000	View
United Community Bank 1 office in Vestavia Hills 2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97%	HELOC	0 +14 HELOCs	0%	n/a		View
Renasant Bank 1943 E Glenn Ave, Auburn, AL 36830 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo, HELOC	28 +5 HELOCs	4.1%	93.3%	$476,428	View
Trustmark Bank 111 E Market St, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.40%	Conventional, FHA, Jumbo, HELOC	21 +8 HELOCs	3.1%	100%	$506,428	View
Avadian Credit Union 475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41%	Conventional, HELOC	10 +25 HELOCs	1.5%	100%	$283,000	View
Firstbank 615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51%	Conventional, FHA, Jumbo, HELOC	9 +6 HELOCs	1.3%	90%	$551,666	View
Wells Fargo Bank NA 500 Colonial Promenade Pkwy, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	9	1.3%	81.8%	$516,111	View
Ameris Bank ★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82%	Conventional	9	1.3%	100%	$510,555	View
Southpoint Bank 1096 N Brindlee Mountain Pkwy, Arab, AL 35016 F2.8 ★Texas Ratio: 41.33%	Conventional, FHA, Jumbo	8	1.2%	100%	$701,250	View
First Federal Bank 5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80%	Conventional	8	1.2%	100%	$556,250	View
Legacy Community Federal Credit Union 810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13%	Conventional, Jumbo	7	1%	100%	$516,428	View
Servisfirst Bank 2320 Moores Mill Rd, Auburn, AL 36830 A5.0 ★Texas Ratio: 8.75%	Conventional, HELOC	6 +11 HELOCs	0.9%	100%	$398,333	View
Southstate Bank, National Association ★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27%	Conventional, HELOC	5 +5 HELOCs	0.7%	100%	$473,000	View
JPMorgan Chase Bank, NA 185 N College St, Auburn, AL 36830 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.7%	100%	$705,000	View
Southern Energy Credit Union 925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41%	Conventional, HELOC	4 +13 HELOCs	0.6%	80%	$450,000	View
River Bank & Trust 1425 Montgomery Hwy, Vestavia Hills, AL 35216 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	4 +12 HELOCs	0.6%	100%	$257,500	View
Liberty Mortgage Corporation 305 N Broad St, Albertville, AL 35950	Conventional	4	0.6%	100%	$480,000
PNC Bank N.A. ★ 1.7 stars, 3 reviews 10745 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +22 HELOCs	0.3%	66.7%	$415,000	View
Mutual Savings Credit Union 1030 Lee St, Alexander City, AL 35010 2655 A+5.0 ★Texas Ratio: 1.18%	Conventional, Jumbo	2	0.3%	100%	$470,000	View
Metro Bank 35489 Ushwy 231, Ashville, AL 35953 A+5.0 ★Texas Ratio: 5.61%	Conventional	2	0.3%	100%	$295,000	View
Central State Bank 9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93%	Conventional	2	0.3%	100%	$630,000	View
Valley National Bank 50 Jimmy Gould Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$195,000	View
Smartbank 337 Airport Rd Ste A, Auburn, AL 36830 A+5.0 ★Texas Ratio: 1.74%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$215,000	View
Hancock Whitney Bank ★ 4 stars, 3 reviews 1712 Us Highway 98, Daphne, AL 36526 A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0.1%	100%	$465,000	View
eCO Credit Union 791 4th Pl SW, Alabaster, AL 35007 8878 A+5.0 ★Texas Ratio: 3.69%	Conventional	1	0.1%	100%	$85,000	View
West Alabama Bank & Trust 4 3rd Ave Nw, Aliceville, AL 35442 A5.0 ★Texas Ratio: 7.03%	Conventional	1	0.1%	100%	$705,000	View
CCB Community Bank 225 E Three Notch St, Andalusia, AL 36420 A+5.0 ★Texas Ratio: 1.73%	Conventional	1	0.1%	100%	$215,000	View
NobleBank & Trust 646 Valley Cub Dr, Alexandria, AL 36250 A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0.1%	100%	$485,000	View
Robertson Banking Company 1801 5th Ave N, Birmingham, AL 35203 A+5.0 ★Texas Ratio: 0.79%	Conventional	1	0.1%	100%	$705,000	View
First Bank of Alabama 1100 Quintard Ave, Anniston, AL 36201 C+4.0 ★Texas Ratio: 26.59%	Conventional	1	0.1%	100%	$545,000	View
Citizens Bank & Trust 324 N Broad St, Albertville, AL 35950 A-4.3 ★Texas Ratio: 0.87%	Conventional	1	0.1%	100%	$385,000	View
Redstone Federal Credit Union 1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10%	Conventional	1	0.1%	100%	$105,000	View
Local Bank 2204 Whitesburg Drive Sw, Huntsville, AL 35801 A5.0 ★Texas Ratio: 8.28%	FHA	1	0.1%	100%	$405,000	View
Merit Bank 3810 Governors Drive Nw, Huntsville, AL 35805 A+5.0 ★Texas Ratio: 0.43%	Conventional	1	0.1%	100%	$105,000	View
Bryant Bank 286 Us Highway 31 S, Athens, AL 35611 A+5.0 ★Texas Ratio: 2.46%	HELOC	0 +3 HELOCs	0%	n/a		View
AlaTrust Credit Union 1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56%	HELOC	0 +2 HELOCs	0%	n/a		View
CB&S Bank 1901 E Glenn Ave, Auburn, AL 36830 C3.6 ★Texas Ratio: 21.51%	HELOC	0 +2 HELOCs	0%	n/a		View
America'S First Federal CU	Conventional, HELOC	4 +52 HELOCs	0.6%	100%	$327,500
Tjc Mortgage Inc	Conventional, Jumbo	3	0.4%	100%	$655,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	1	0.1%	100%	$1,745,000	View
Fairway Independent Mort Corp	Conventional, VA, Jumbo	54	7.9%	98.2%	$478,703
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	40	5.8%	87%	$453,250
Cadence Bank	Conventional, Jumbo, HELOC	37 +29 HELOCs	5.4%	100%	$624,729
Rocket Mortgage	Conventional, FHA, HELOC	37 +1 HELOCs	5.4%	87.2%	$365,810
Union Home Mortgage Corp.	Conventional, HELOC	29 +1 HELOCs	4.2%	100%	$413,965
Guild Mortgage Company	Conventional, FHA	15	2.2%	94.4%	$328,333
Prosperity Home Mortgage, LLC	Conventional	15	2.2%	100%	$475,666
Vanderbilt Mortgage and Finance, Inc	Conventional	13	1.9%	81.2%	$450,384
Movement Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	11 +1 HELOCs	1.6%	100%	$391,363
Assurance Financial Group, L.L.C.	Conventional, HELOC	9 +1 HELOCs	1.3%	100%	$549,444
The Loan Store, Inc	Conventional, FHA	9	1.3%	100%	$383,888
Synovus Bank	Conventional, Jumbo, HELOC	8 +22 HELOCs	1.2%	100%	$595,000
Pennymac Loan Services LLC	Conventional, VA	8	1.2%	80%	$520,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	7 +2 HELOCs	1%	100%	$423,571
Freedom Mortgage Corporation	Conventional, VA, Jumbo	7	1%	90.9%	$589,285
Newrez LLC	Conventional, FHA, VA	7	1%	77.8%	$429,285
Nationstar Mortgage	Conventional	6	0.9%	75%	$236,666
First Colony Mortgage Corporat	Conventional, FHA	5	0.7%	100%	$441,000
Mutual of Omaha Mortgage	Conventional, FHA, VA	5	0.7%	100%	$345,000
Hunt Mortgage Corporation	Conventional, FHA	5	0.7%	100%	$471,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	5	0.7%	100%	$679,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.6%	100%	$897,500	View
Guaranteed Rate, Inc.	Conventional	4	0.6%	100%	$477,500
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	4	0.6%	80%	$475,000	View
Sage Home Loans Corporation	Conventional	4	0.6%	100%	$562,500
Kind Lending, LLC	Conventional, Jumbo	4	0.6%	100%	$550,000
Filo Mortgage, LLC	Conventional, VA	4	0.6%	100%	$582,500
Cmg Mortgage Inc	Conventional, VA	4	0.6%	100%	$595,000
The Local Lender, LLC	Conventional	4	0.6%	100%	$607,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	4	0.6%	100%	$465,000	View
Bank of America NA A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.4%	75%	$741,666	View
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	3	0.4%	100%	$525,000
loanDepot.com LLC	Conventional	3	0.4%	75%	$145,000
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.4%	100%	$361,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	3	0.4%	100%	$558,333	View
American Pacific Mortgage Corporation	Conventional	3	0.4%	100%	$311,666
Gmfs, LLC	Conventional	3	0.4%	100%	$551,666
Spring Eq, LLC	Conventional, HELOC	2 +5 HELOCs	0.3%	50%	$45,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$160,000	View
First Community Mortgage, Inc. A4.6 ★Texas Ratio: 2.08%	Conventional	2	0.3%	100%	$680,000	View
PHH Mortgage Corporation	Conventional	2	0.3%	100%	$410,000
Resicentral LLC	Conventional	2	0.3%	100%	$280,000
Amerisave Mortgage Company	Conventional	2	0.3%	40%	$410,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.3%	100%	$390,000
Click n' Close, Inc.	Conventional, FHA	2	0.3%	100%	$265,000
Premier Lending Inc.	Conventional, FHA	2	0.3%	100%	$210,000
The Mortgage Firm	Conventional	2	0.3%	100%	$300,000
Mortgage Research Center	VA	2	0.3%	100%	$330,000
Stockton Mortgage Corporation	Conventional	2	0.3%	100%	$565,000
New American Funding, LLC.	Conventional, FHA	2	0.3%	100%	$380,000
Ark-La-Tex Financial Services LLC	Conventional, VA	2	0.3%	100%	$395,000
Tomo Mortgage LLC	Conventional	2	0.3%	100%	$560,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	1 +8 HELOCs	0.1%	100%	$825,000	View
Delta Community Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$155,000
Genisys Credit Union	Conventional, Jumbo	1	0.1%	100%	$1,205,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	50%	$485,000	View
Cornerstone First Mortgage, LLC	FHA	1	0.1%	100%	$365,000
Premier Mortgage Resources, LLC	Conventional, Jumbo	1	0.1%	100%	$2,005,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$515,000
Residential Wholesale Mortgage	Conventional, Jumbo	1	0.1%	100%	$1,085,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional	1	0.1%	100%	$435,000	View
Acrisure Mortgage, LLC	VA	1	0.1%	100%	$515,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$475,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional	1	0.1%	100%	$245,000	View
Delmar Financial Company A+5.0 ★Texas Ratio: 5.29%	Conventional	1	0.1%	100%	$325,000	View
Guidance Residential, LLC	Conventional	1	0.1%	100%	$535,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0.1%	100%	$2,005,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$425,000	View
Synergy One Lending, Inc.	Conventional	1	0.1%	100%	$135,000
AdvantageFirst Lending Inc	Conventional	1	0.1%	100%	$465,000
American Financial Network, Inc.	Conventional	1	0.1%	100%	$645,000
Homestead Funding Corp.	Conventional	1	0.1%	100%	$355,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$455,000
City National Bank of Florida A5.0 ★Texas Ratio: 7.12%	Conventional	1	0.1%	100%	$345,000	View
HomeBridge Financial Services, Inc	Conventional	1	0.1%	100%	$675,000
Goldwater Bank, N.A. C+4.1 ★Texas Ratio: 26.20%	Conventional	1	0.1%	100%	$645,000	View
Discover Bank	Conventional	1	0.1%	20%	$55,000
Bay Equity LLC	Conventional	1	0.1%	100%	$695,000
Fairwinds Credit Union	Conventional, Jumbo	1	0.1%	100%	$915,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional, Jumbo	1	0.1%	100%	$945,000	View
Planet Home Lending, LLC	Conventional	1	0.1%	100%	$575,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	50%	$365,000	View
BoxCar Mortgage, LLC	Conventional	1	0.1%	100%	$645,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$295,000
Communityamerica Federal Credit Union	Conventional	1	0.1%	100%	$65,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA, Jumbo	1	0.1%	100%	$955,000	View
V.I.P. Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
Legacy Home Loans, LLC	Conventional	1	0.1%	100%	$465,000
Endeavor Capital, LLC	Conventional	1	0.1%	100%	$265,000
First United Bank and Trust Co A5.0 ★Texas Ratio: 10.43%	Conventional	1	0.1%	100%	$665,000	View
TowneBank	VA	1	0.1%	100%	$625,000
Leaders Credit Union A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0.1%	100%	$425,000	View
Bank of Madison	Conventional	1	0.1%	100%	$125,000
Lower, LLC	Conventional	1	0.1%	100%	$105,000
DHI Mortgage Company, LTD.	FHA	1	0.1%	100%	$505,000
First Financial Bank A+5.0 ★Texas Ratio: 3.74%	Conventional	1	0.1%	100%	$365,000	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$75,000	View
Paramount Residential Mortgage	Conventional	1	0.1%	100%	$505,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.1%	100%	$875,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	50%	$45,000
Plaza Home Mortgage, Inc	Conventional	1	0.1%	100%	$175,000
Leaderone Financial Corp.	Conventional	1	0.1%	100%	$465,000
Village Capital & Investment	VA	1	0.1%	100%	$605,000
Figure Lending LLC	HELOC	0 +8 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +7 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	0%
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 6, 2026.

Vestavia Hills Mortgage Rate Trends

Daily average mortgage rates for Alabama compared with the national average, updated every evening.

30-Year Fixed AL Avg

7.159%

▲ 0.056 vs 7 days ago

15-Year Fixed AL Avg

6.723%

▲ 0.014 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Vestavia Hills, Alabama

Looking for mortgage lenders near me or mortgage brokers near me in Vestavia Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Vestavia Hills in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Vestavia Hills, AL

Use these to narrow the list above. Each category shows how many Vestavia Hills, AL lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 78 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 60 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 16 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 23 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 16 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 32 lenders. Loans above the conforming limit for higher priced homes Local lenders based in AL 27 lenders headquartered in Alabama, the closest thing to a mortgage lender near you

Who Lends in Vestavia Hills, AL

Independent mortgage companies closed 55.4 percent of home loans in Vestavia Hills, Alabama in 2025, banks 38.6 percent and credit unions 6 percent. Liberty Mortgage Corporation 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 34 loans.

55.4%

Mortgage companies

38.6%

Banks

Credit unions

FHA loans

VA 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

All Alabama lenders 790 lenders Huntsville 310 lenders Mobile 230 lenders Montgomery 208 lenders Hoover 215 lenders Tuscaloosa 212 lenders Birmingham 194 lenders Auburn 201 lenders Athens 171 lenders Dothan 154 lenders Daphne 186 lenders Foley 186 lenders Phenix City 125 lenders

Frequently Asked Questions About Mortgage Lenders in Vestavia Hills, AL

Who is the largest mortgage lender in Vestavia Hills, AL?

By home loans closed in 2025, Regions Bank was the largest mortgage lender in Vestavia Hills, Alabama with 34 loans, about 5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Vestavia Hills, AL have the highest approval rates?

Among lenders with meaningful volume in Vestavia Hills, Alabama, Fairway Independent Mort Corp approved the highest share of completed applications in 2025 at 98.2 percent, against a 92.3 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.

Which Vestavia Hills, AL mortgage lenders offer FHA, VA and USDA loans?

23 lenders closed FHA loans in Vestavia Hills, Alabama in 2025, led by Rocket Mortgage with 3. 16 lenders closed VA loans, led by United Wholesale 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.

Are credit unions and local banks included in this Vestavia Hills, AL lender list?

Yes. 60 banks and 16 credit unions closed home loans in Vestavia Hills, Alabama in 2025, alongside 78 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.

How are mortgage lenders in Vestavia Hills, AL ranked on this page?

Lenders are ranked only by the number of home loans they closed in Vestavia Hills, 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 Vestavia Hills, 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 Vestavia Hills. 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.