Mortgage Lenders and Brokers in Waldo, 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
Waldo, Alabama mortgage lenders include First Bank of AlabamaFirst Bank of Alabama1100 Quintard Ave, Anniston, AL 36201C+4.0 ★Texas Ratio: 26.59%, First Federal BankFirst Federal Bank5301 Highway 69 S, Tuscaloosa, AL 35405A+5.0 ★Texas Ratio: 2.80%, Ameris BankAmeris Bank204 Kirkland St, Abbeville, AL 36310A+5.0 ★Texas Ratio: 1.82%, Aod Federal Credit UnionAod Federal Credit Union7 Frankford Ave Bldg 141, Anniston, AL 36201 4199, Central State BankCentral State Bank9331 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 1.93%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, CSL Financial, LLCCSL Financial, LLCBirmingham, AL, America'S First Federal CUAmerica'S First Federal CUBirmingham, AL, United Wholesale Mortgage, and First Community Mortgage, Inc.First Community Mortgage, Inc.A4.6 ★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 Waldo, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waldo 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 Waldo, Alabama
Market share is the lender's share of all home loans closed in Waldo, 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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1100 Quintard Ave, Anniston, AL 36201 C+4.0 ★Texas Ratio: 26.59% |
Conventional | 7 | 18.9% | 100% | $109,285 | View |
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5301 Highway 69 S, Tuscaloosa, AL 35405 A+5.0 ★Texas Ratio: 2.80% |
Conventional, FHA | 2 | 5.4% | 100% | $100,000 | View |
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★ 4 stars, 1 review 204 Kirkland St, Abbeville, AL 36310 A+5.0 ★Texas Ratio: 1.82% |
Conventional, VA | 2 | 5.4% | 100% | $205,000 | View |
Aod Federal Credit Union
7 Frankford Ave Bldg 141, Anniston, AL 36201 4199 |
Conventional | 1 | 2.7% | 100% | $505,000 | |
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9331 Highway 119, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 1.93% |
Conventional, Jumbo | 1 | 2.7% | 100% | $1,305,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
HELOC | 0 +1 HELOCs |
0% | 33.3% | View | |
CSL Financial, LLC
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Conventional | 1 | 2.7% | 100% | $145,000 | |
America'S First Federal CU
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, VA | 3 | 8.1% | 100% | $168,333 | |
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A4.6 ★Texas Ratio: 2.08% |
Conventional | 2 | 5.4% | 100% | $205,000 | View |
Rocket Mortgage
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FHA | 2 | 5.4% | 100% | $180,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 2 | 5.4% | 100% | $185,000 | |
American Financial Resources LLC
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VA | 1 | 2.7% | 100% | $545,000 | |
Canopy Mortgage, LLC
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VA | 1 | 2.7% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 2.7% | 50% | $165,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 2.7% | 100% | $45,000 | |
Peoples Mortgage Company
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FHA | 1 | 2.7% | 100% | $115,000 | |
Mortgage Research Center
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VA | 1 | 2.7% | 50% | $535,000 | |
Towne Mortgage Company
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Conventional | 1 | 2.7% | 100% | $325,000 | |
Hunt Mortgage Corporation
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FHA | 1 | 2.7% | 100% | $115,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 2.7% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional | 1 | 2.7% | 100% | $105,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 2.7% | 100% | $205,000 | |
21St Mortgage
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Conventional | 1 | 2.7% | 33.3% | $115,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 2.7% | 100% | $235,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 2.7% | 50% | $85,000 | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Waldo 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 Waldo, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in Waldo? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waldo in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waldo, AL
Use these to narrow the list above. Each category shows how many Waldo, AL lenders fit and what that kind of lender is usually best for.
Who Lends in Waldo, AL
Independent mortgage companies closed 54.1 percent of home loans in Waldo, Alabama in 2025, banks 40.5 percent and credit unions 5.4 percent. CSL Financial, LLC was the largest mortgage company, First Bank of Alabama the largest bank and Aod Federal Credit Union the largest credit union. Among lenders headquartered in Alabama, First Bank of Alabama led with 7 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 Waldo, AL
By home loans closed in 2025, First Bank of Alabama was the largest mortgage lender in Waldo, Alabama with 7 loans, about 18.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Waldo, Alabama in 2025, led by Rocket Mortgage with 2. 6 lenders closed VA loans, led by Ameris Bank. 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. 8 banks and 4 credit unions closed home loans in Waldo, Alabama in 2025, alongside 17 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 Waldo, 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 Waldo, 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 Waldo. 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.
