Mortgage Lenders and Brokers in West Jefferson, 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
West Jefferson, Alabama mortgage lenders include Regions BankRegions Bank55 S Colonial Dr, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.37%, eCO Credit UnioneCO Credit Union791 4th Pl SW, Alabaster, AL 35007 8878A+5.0 ★Texas Ratio: 3.69%, Acipco Federal Credit UnionAcipco Federal Credit Union1501 31st Ave N, Birmingham, AL 35207A+5.0 ★Texas Ratio: 0.89%, AlaTrust Credit UnionAlaTrust Credit Union1216 Wilmer Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 6.56%, Southstate Bank, National AssociationSouthstate Bank, National Association1605 E University Dr, Auburn, AL 36830A+5.0 ★Texas Ratio: 2.27%, FirstbankFirstbank615 Quintard Ave, Anniston, AL 36201A5.0 ★Texas Ratio: 7.51%, Southern Energy Credit UnionSouthern Energy Credit Union925 Quintard Ave, Anniston, AL 36201A+5.0 ★Texas Ratio: 0.41%, Bank of FrankewingBank of Frankewing14226 Highway 231 431 N, Hazel Green, AL 35750F2.7 ★Texas Ratio: 42.60%, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union810 Colonial Promenade Pkwy, Alabaster, AL 35007A5.0 ★Texas Ratio: 7.13%, and PNC Bank N.A.PNC Bank N.A.10745 Highway 119, Alabaster, AL 35007A+5.0 ★Texas Ratio: 4.24%. 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 West Jefferson, Alabama in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Jefferson 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 West Jefferson, Alabama
Market share is the lender's share of all home loans closed in West Jefferson, 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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55 S Colonial Dr, Alabaster, AL 35007 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 2 +3 HELOCs |
1.5% | 33.3% | $105,000 | View |
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791 4th Pl SW, Alabaster, AL 35007 8878 A+5.0 ★Texas Ratio: 3.69% |
Conventional | 2 | 1.5% | 100% | $95,000 | View |
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1501 31st Ave N, Birmingham, AL 35207 A+5.0 ★Texas Ratio: 0.89% |
Conventional | 2 | 1.5% | 100% | $235,000 | View |
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1216 Wilmer Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 6.56% |
Conventional | 2 | 1.5% | 100% | $275,000 | View |
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★ 5 stars, 1 review 1605 E University Dr, Auburn, AL 36830 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 1.5% | 66.7% | $115,000 | View |
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615 Quintard Ave, Anniston, AL 36201 A5.0 ★Texas Ratio: 7.51% |
Conventional | 2 | 1.5% | 40% | $190,000 | View |
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925 Quintard Ave, Anniston, AL 36201 A+5.0 ★Texas Ratio: 0.41% |
Conventional, HELOC | 1 +3 HELOCs |
0.7% | 50% | $145,000 | View |
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14226 Highway 231 431 N, Hazel Green, AL 35750 F2.7 ★Texas Ratio: 42.60% |
Conventional | 1 | 0.7% | 100% | $535,000 | View |
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810 Colonial Promenade Pkwy, Alabaster, AL 35007 A5.0 ★Texas Ratio: 7.13% |
Conventional | 1 | 0.7% | 100% | $25,000 | 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 +3 HELOCs |
0% | 0% | View | |
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475 Green Springs Hwy, Birmingham, AL 35209 4921 A+5.0 ★Texas Ratio: 3.41% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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★ 1 stars, 1 review 629 E Main St, Albertville, AL 35950 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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716 Richard Arrington Jr Blvd N, Birmingham, AL 35203 A5.0 ★Texas Ratio: 6.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2121 Highland Ave S, Birmingham, AL 35205 A+5.0 ★Texas Ratio: 2.97% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1069 N Main St, Arab, AL 35016 A+5.0 ★Texas Ratio: 2.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
America'S First Federal CU
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Conventional, HELOC | 5 +12 HELOCs |
3.6% | 100% | $283,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.7% | 100% | $295,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 27 +1 HELOCs |
19.7% | 93.1% | $207,222 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 10 | 7.3% | 36.7% | $171,000 | |
Rocket Mortgage
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Conventional, FHA | 6 | 4.4% | 60% | $161,666 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 6 | 4.4% | 100% | $283,333 | |
Leaderone Financial Corp.
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Conventional, FHA, VA, USDA | 6 | 4.4% | 100% | $130,000 | |
Guild Mortgage Company
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Conventional, FHA | 5 | 3.6% | 100% | $147,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 2.2% | 83.3% | $215,000 | |
Assurance Financial Group, L.L.C.
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Conventional, FHA | 3 | 2.2% | 100% | $321,666 | |
Mortgage Research Center
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FHA, VA | 3 | 2.2% | 60% | $275,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 2.2% | 100% | $175,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 2 +1 HELOCs |
1.5% | 100% | $100,000 | |
Newrez LLC
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Conventional | 2 | 1.5% | 100% | $75,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.5% | 100% | $100,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 1.5% | 100% | $85,000 | |
BoxCar Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $210,000 | |
Nationstar Mortgage
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Conventional | 2 | 1.5% | 66.7% | $65,000 | |
The Mortgage Firm
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FHA, VA | 2 | 1.5% | 100% | $155,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.5% | 100% | $70,000 | |
21St Mortgage
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Conventional | 2 | 1.5% | 22.2% | $120,000 | |
Cadence Bank
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FHA, HELOC | 1 +3 HELOCs |
0.7% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 6.45% |
FHA | 1 | 0.7% | 100% | $165,000 | View |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.7% | 100% | $225,000 | |
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A4.6 ★Texas Ratio: 2.08% |
VA | 1 | 0.7% | 50% | $295,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.7% | 100% | $105,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.7% | 66.7% | $255,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.7% | 100% | $125,000 | |
loanDepot.com LLC
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FHA | 1 | 0.7% | 50% | $325,000 | |
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A+5.0 ★Texas Ratio: 1.51% |
Conventional | 1 | 0.7% | 53.8% | $65,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $135,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.7% | 66.7% | $45,000 | |
Homeowners Financial Group, LLC
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FHA | 1 | 0.7% | 100% | $195,000 | |
New Day Financial, LLC.
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VA | 1 | 0.7% | 50% | $245,000 | |
Land Home Financial Services,
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Conventional | 1 | 0.7% | 100% | $145,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 100% | $385,000 | |
The Local Lender, LLC
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Conventional | 1 | 0.7% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.7% | 100% | $375,000 | View |
Synovus Bank
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FHA | 1 | 0.7% | 100% | $205,000 | |
Milend, Inc
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FHA | 1 | 0.7% | 100% | $185,000 | |
First South Farm Credit, ACA
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Conventional | 1 | 0.7% | 100% | $115,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $225,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.7% | 50% | $485,000 | |
Southwest Stage Funding LLC
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FHA | 1 | 0.7% | 100% | $215,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.7% | 25% | $275,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.7% | 100% | $275,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 50% | $75,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
West Jefferson 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 West Jefferson, Alabama
Looking for mortgage lenders near me or mortgage brokers near me in West Jefferson? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Jefferson in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Jefferson, AL
Use these to narrow the list above. Each category shows how many West Jefferson, AL lenders fit and what that kind of lender is usually best for.
Who Lends in West Jefferson, AL
Independent mortgage companies closed 80.3 percent of home loans in West Jefferson, Alabama in 2025, banks 10.2 percent and credit unions 9.5 percent. Tjc Mortgage Inc was the largest mortgage company, Regions Bank the largest bank and eCO 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 West Jefferson, AL
By home loans closed in 2025, Regions Bank was the largest mortgage lender in West Jefferson, Alabama with 2 loans, about 1.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in West Jefferson, Alabama in 2025, led by United Wholesale Mortgage with 17. 9 lenders closed VA loans, led by United Wholesale Mortgage, and 1 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. 15 banks and 9 credit unions closed home loans in West Jefferson, Alabama in 2025, alongside 41 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 West Jefferson, 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 West Jefferson, 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 West Jefferson. 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.
