Mortgage lenders in Houston County
2,524 mortgages were made in Houston County, Alabama, in 2025, by 241 lenders. The median rate their borrowers got was 6.685% on a median loan of $165,000. Of 3,634 decisions, 894 were denials — 24.6%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ALL IN FEDERAL CREDIT UNION | 211 | 7.500% | $65,000 | 27.8% |
| Mortgage Research Center, LLC | 138 | 6.250% | $255,000 | 22.4% |
| Rocket Mortgage, LLC | 135 | 6.625% | $165,000 | 17.7% |
| Regions Bank | 96 | 6.063% | $65,000 | 46.5% |
| MOVEMENT MORTGAGE, LLC | 96 | 6.750% | $185,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 90 | 6.625% | $215,000 | 7.2% |
| INTERLINC MORTGAGE SERVICES, LLC | 87 | 6.750% | $175,000 | 3.3% |
| River Bank & Trust | 82 | 6.813% | $155,000 | 1.2% |
| Five Star Credit Union | 69 | Not published | $105,000 | 26.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 64 | 6.124% | $205,000 | 22.8% |
| BankPlus | 58 | 6.563% | $130,000 | 17.1% |
| AVADIAN | 58 | 6.058% | $65,000 | 19.2% |
| PENNYMAC LOAN SERVICES, LLC | 53 | 6.125% | $175,000 | 18.6% |
| PeoplesSouth Bank | 53 | 7.260% | $115,000 | 3.6% |
| Tyndall Federal Credit Union | 47 | 6.750% | $55,000 | 25.4% |
| Troy Bank and Trust Company | 42 | 7.375% | $220,000 | 2.3% |
| ServisFirst Bank | 41 | 6.875% | $175,000 | 0.0% |
| Friend Bank | 40 | 7.500% | $130,000 | 4.8% |
| Renasant Bank | 36 | 6.563% | $205,000 | 2.6% |
| Navy Federal Credit Union | 33 | 7.125% | $85,000 | 28.3% |
| UNION HOME MORTGAGE CORP. | 33 | 6.500% | $175,000 | 2.9% |
| First State Bank of Blakely | 33 | Not published | $95,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.250% | $235,000 | 12.5% |
| HNB FIRST BANK | 31 | Not published | $105,000 | 17.1% |
| BankSouth | 30 | Not published | $215,000 | 3.2% |
| CMG MORTGAGE, INC. | 29 | 6.250% | $255,000 | 2.9% |
| NATIONSTAR MORTGAGE LLC | 27 | 7.750% | $125,000 | 9.4% |
| Ameris Bank | 25 | 6.750% | $155,000 | 16.7% |
| APCO EMPLOYEES | 24 | 6.000% | $95,000 | 20.0% |
| 21st Mortgage Corporation | 23 | 9.730% | $145,000 | 71.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.490% | $185,000 | 14.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.490% | $195,000 | 16.0% |
| Synovus Bank | 21 | 6.750% | $195,000 | 19.2% |
| SOUTHWEST FUNDING, LP | 20 | 6.875% | $190,000 | 0.0% |
| NEWREZ LLC | 19 | 6.250% | $155,000 | 20.8% |
| SmartBank | 19 | 6.375% | $235,000 | 4.8% |
| PHH Mortgage Corporation | 19 | 6.490% | $235,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 18 | 4.990% | $285,000 | 17.4% |
| TOWNE MORTGAGE COMPANY | 17 | 6.000% | $205,000 | 4.4% |
| The First National Bank of Hartford | 17 | Not published | $85,000 | 0.0% |
| Loandepot.Com, LLC | 15 | 6.625% | $135,000 | 51.4% |
| Wells Fargo Bank, National Association | 15 | 6.125% | $135,000 | 31.8% |
| Equity Prime Mortgage LLC | 15 | 6.750% | $205,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 12 | 6.990% | $200,000 | 36.8% |
| Onward Home Mortgage, LLC | 12 | 6.688% | $165,000 | 14.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 9.500% | $115,000 | 79.7% |
| AmeriSave Mortgage Corporation | 11 | 7.375% | $95,000 | 75.0% |
| PNC Bank, National Association | 11 | 7.950% | $105,000 | 50.0% |
| GUARANTEED RATE, INC. | 11 | 5.990% | $285,000 | 21.4% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 6.620% | $175,000 | 44.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.563% | $220,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 31.6% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Trustmark National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Barrington Bank & Trust Company, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 6.9% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 54.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 52.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 64.3% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 43.8% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 45.5% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MidSouth Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First South Farm Credit, ACA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 82.6% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 11.1% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 3 | Under 10 loans | Under 10 loans | 75.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Consumer First Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MAX Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| REDSTONE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Brantley Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 77.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EvaBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank, A FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Port City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 5493004T38NMC864VL66 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Samson Banking Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Suncoast Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PILGRIM MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 85.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 41 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Houston County
34 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Regions Bank | 5 | $660.0 million |
| MidSouth Bank | 5 | $299.3 million |
| PeoplesSouth Bank | 5 | $126.4 million |
| Wells Fargo Bank, National Association | 4 | $420.6 million |
| ServisFirst Bank | 2 | $1.1 billion |
| River Bank & Trust | 2 | $199.6 million |
| Troy Bank & Trust Company | 2 | $169.1 million |
| Ameris Bank | 2 | $96.8 million |
| BankPlus | 2 | $73.2 million |
| SmartBank | 1 | $192.5 million |
| Pinnacle Bank | 1 | $191.9 million |
| BankSouth | 1 | $129.5 million |
| PNC Bank, National Association | 1 | $80.0 million |
| Friend Bank | 1 | $58.3 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Synovus Bank, 3680 W Main St, Dothan
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When the next year’s lending figures are out for Houston County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.