Mortgage lenders in Jefferson County
14,241 mortgages were made in Jefferson County, Alabama, in 2025, by 521 lenders. The median rate their borrowers got was 6.500% on a median loan of $185,000. Of 20,089 decisions, 4,910 were denials — 24.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Regions Bank | 1,098 | 4.990% | $105,000 | 42.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 793 | 6.250% | $225,000 | 15.6% |
| AMERICA'S FIRST | 738 | 5.750% | $65,000 | 19.4% |
| Rocket Mortgage, LLC | 674 | 6.875% | $165,000 | 24.4% |
| Cadence Bank | 510 | 6.670% | $245,000 | 14.8% |
| Fairway Independent Mortgage Corporation | 489 | 6.625% | $285,000 | 4.1% |
| SouthState Bank, National Association | 393 | 6.125% | $155,000 | 20.0% |
| AVADIAN | 330 | 4.990% | $75,000 | 22.6% |
| FirstBank | 317 | 6.250% | $205,000 | 12.3% |
| Renasant Bank | 316 | 6.625% | $245,000 | 9.8% |
| Trustmark National Bank | 269 | 6.375% | $275,000 | 12.2% |
| PNC Bank, National Association | 245 | 7.690% | $85,000 | 40.1% |
| Synovus Bank | 233 | 7.125% | $215,000 | 17.1% |
| GUILD MORTGAGE COMPANY | 230 | 6.500% | $220,000 | 4.6% |
| UNION HOME MORTGAGE CORP. | 211 | 6.625% | $285,000 | 6.5% |
| PENNYMAC LOAN SERVICES, LLC | 183 | 6.499% | $225,000 | 17.9% |
| MOVEMENT MORTGAGE, LLC | 180 | 6.625% | $210,000 | 6.5% |
| Kiavi Funding, Inc. | 176 | 7.375% | $105,000 | 9.5% |
| Prosperity Home Mortgage, LLC | 175 | 6.500% | $265,000 | 9.7% |
| BPL MORTGAGE TRUST, LLC | 170 | 7.500% | $85,000 | 13.7% |
| Mortgage Research Center, LLC | 159 | 6.500% | $235,000 | 34.7% |
| Loandepot.Com, LLC | 154 | 6.563% | $165,000 | 41.8% |
| FREEDOM MORTGAGE CORPORATION | 150 | 6.250% | $260,000 | 18.3% |
| DHI MORTGAGE COMPANY, LTD. | 146 | 4.990% | $305,000 | 24.2% |
| Loan Funder LLC | 144 | 7.715% | $115,000 | 14.8% |
| SouthPoint Bank | 126 | 6.250% | $265,000 | 3.7% |
| ServisFirst Bank | 124 | 7.125% | $235,000 | 8.0% |
| APCO EMPLOYEES | 122 | 6.000% | $85,000 | 29.1% |
| Navy Federal Credit Union | 121 | 7.375% | $125,000 | 38.4% |
| Broker Solutions, Inc. | 117 | 6.750% | $175,000 | 25.5% |
| Assurance Financial Group, L.L.C. | 117 | 6.750% | $225,000 | 6.4% |
| NATIONSTAR MORTGAGE LLC | 112 | 7.688% | $105,000 | 21.2% |
| THE LOAN STORE, INC. | 109 | 6.500% | $275,000 | 4.7% |
| JPMorgan Chase Bank, National Association | 105 | 6.500% | $175,000 | 17.1% |
| CANOPY MORTGAGE, LLC | 104 | 6.000% | $235,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 98 | 6.625% | $235,000 | 3.9% |
| First Horizon Bank | 97 | 6.750% | $245,000 | 23.4% |
| NEWREZ LLC | 93 | 6.750% | $195,000 | 41.6% |
| Truist Bank | 85 | 6.700% | $125,000 | 43.0% |
| Wells Fargo Bank, National Association | 84 | 6.313% | $210,000 | 32.8% |
| STOCKTON MORTGAGE CORPORATION | 84 | 6.750% | $215,000 | 17.1% |
| River Bank & Trust | 84 | 6.775% | $205,000 | 2.3% |
| GUARANTEED RATE, INC. | 82 | 6.625% | $165,000 | 18.5% |
| Mortgage Right | 78 | 6.500% | $260,000 | 2.5% |
| First Federal Bank, A FSB | 74 | 6.313% | $290,000 | 4.9% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 71 | Not published | $135,000 | 16.8% |
| Coastal Community Bank | 67 | 11.240% | $35,000 | 6.0% |
| FIGURE LENDING LLC | 67 | 8.750% | $75,000 | 30.7% |
| United Community Bank | 66 | 6.500% | $185,000 | 12.7% |
| Eco Credit Union | 60 | 7.250% | $75,000 | 0.0% |
| Community Bank of Mississippi | 59 | 7.500% | $255,000 | 11.4% |
| Bryant Bank | 58 | 7.500% | $205,000 | 14.1% |
| AmeriSave Mortgage Corporation | 57 | 7.375% | $75,000 | 78.1% |
| SPRING EQ, LLC | 55 | 9.400% | $65,000 | 62.6% |
| FBC MORTGAGE, LLC | 54 | 6.188% | $295,000 | 0.0% |
| Bank of America, National Association | 53 | 6.240% | $235,000 | 47.5% |
| LEADERONE FINANCIAL CORPORATION | 53 | 6.500% | $195,000 | 26.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 49 | 6.990% | $195,000 | 64.2% |
| 5493005QMX3SJKDTQZ62 | 48 | 6.750% | $310,000 | 5.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 45 | 6.490% | $215,000 | 27.4% |
| HUNT MORTGAGE CORPORATION | 45 | 6.500% | $285,000 | 2.1% |
| GoodLeap, LLC | 43 | 7.600% | $65,000 | 26.4% |
| CHAMPIONS FUNDING, LLC | 42 | 7.500% | $135,000 | 20.8% |
| Ameris Bank | 42 | 6.500% | $220,000 | 6.5% |
| DEEPHAVEN MORTGAGE LLC | 41 | 7.375% | $125,000 | 39.1% |
| HOMEXPRESS MORTGAGE CORP. | 37 | 7.625% | $195,000 | 45.6% |
| Presidential Bank, FSB | 36 | 6.625% | $245,000 | 11.9% |
| Plains Commerce Bank | 36 | 6.500% | $385,000 | 5.3% |
| PLANET HOME LENDING, LLC | 36 | 6.125% | $235,000 | 17.8% |
| MORIA DEVELOPMENT, INC. | 36 | 7.688% | $75,000 | 5.3% |
| NEW DAY FINANCIAL, LLC | 34 | 6.990% | $190,000 | 55.7% |
| Lendage, LLC | 34 | 11.563% | $55,000 | 17.0% |
| 21st Mortgage Corporation | 33 | 9.860% | $105,000 | 67.6% |
| Citizens Bank, National Association | 33 | 7.900% | $175,000 | 27.7% |
| 254900CTT87ZKAUTIJ37 | 32 | 7.933% | $150,000 | 31.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 32 | 6.495% | $295,000 | 2.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 31 | 7.500% | $135,000 | 63.9% |
| GMFS LLC | 31 | 6.375% | $395,000 | 0.0% |
| BoxCar Mortgage, LLC | 31 | 6.375% | $245,000 | 0.0% |
| Equity Prime Mortgage LLC | 30 | 6.563% | $200,000 | 23.1% |
| AlaTrust Credit Union | 30 | 6.750% | $65,000 | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 28 | 6.125% | $265,000 | 22.2% |
| THE MORTGAGE FIRM, INC. | 28 | 6.495% | $240,000 | 6.5% |
| AMERICAN HERITAGE LENDING, LLC | 27 | 7.750% | $115,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 27 | 6.500% | $275,000 | 15.6% |
| TOWNE MORTGAGE COMPANY | 27 | 6.250% | $215,000 | 3.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 7.640% | $100,000 | 21.2% |
| FIRST COLONY MORTGAGE CORPORATION | 26 | 6.500% | $230,000 | 5.7% |
| PENTAGON FEDERAL CREDIT UNION | 26 | 7.625% | $105,000 | 48.0% |
| HOPE FEDERAL CREDIT UNION | 26 | 6.875% | $130,000 | 38.1% |
| Stifel Bank and Trust | 26 | 6.000% | $535,000 | 0.0% |
| USAA Federal Savings Bank | 25 | 6.500% | $195,000 | 43.2% |
| PHH Mortgage Corporation | 25 | 6.490% | $185,000 | 30.6% |
| KIND LENDING, LLC | 25 | 6.250% | $295,000 | 33.3% |
| Click n' Close, Inc. | 25 | 7.000% | $135,000 | 0.0% |
| The Hometown Bank of Alabama | 25 | Not published | $125,000 | 17.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 25 | 6.875% | $225,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 25 | 10.035% | $155,000 | 13.8% |
| Central State Bank | 25 | Not published | $305,000 | 3.6% |
| Liberty Mortgage Corporation | 25 | 6.500% | $315,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 24 | 8.000% | $85,000 | 60.3% |
| Filo Mortgage, L.L.C. | 24 | 6.125% | $375,000 | 4.0% |
| Morgan Stanley Private Bank, National Association | 24 | 6.000% | $550,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 23 | 6.625% | $215,000 | 35.1% |
| Cornerstone First Mortgage, Inc | 23 | 6.625% | $155,000 | 4.2% |
| First National Bank of America | 23 | 9.375% | $145,000 | 20.0% |
| ACIPCO Federal Credit Union | 22 | 7.000% | $170,000 | 8.3% |
| REDSTONE Federal Credit Union | 21 | 7.625% | $105,000 | 37.5% |
| EvaBank | 20 | Not published | $110,000 | 25.0% |
| Colorado Federal Savings Bank | 20 | 6.375% | $335,000 | 9.1% |
| PREMIER LENDING, INC. | 20 | 7.063% | $155,000 | 4.6% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.250% | $215,000 | 64.7% |
| ROYAL UNITED MORTGAGE LLC | 19 | 6.875% | $105,000 | 27.6% |
| Valley National Bank | 19 | 6.490% | $115,000 | 13.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 18 | 9.928% | $125,000 | 5.0% |
| 254900M2C4Q6DATP2889 | 18 | 6.375% | $315,000 | 28.0% |
| DOMINION FINANCIAL SERVICES, LLC | 18 | 7.563% | $160,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 18 | 6.375% | $150,000 | 10.0% |
| Pinnacle Bank | 18 | 6.500% | $315,000 | 13.6% |
| NFM, INC. | 18 | 6.250% | $230,000 | 5.3% |
| Hamilton Mortgage Corporation | 17 | 6.000% | $135,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 17 | 6.500% | $195,000 | 10.5% |
| CMG MORTGAGE, INC. | 17 | 6.625% | $365,000 | 10.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 17 | 7.750% | $225,000 | 9.5% |
| CB&S Bank, Inc. | 17 | 6.995% | $280,000 | 5.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 7.188% | $170,000 | 33.3% |
| AMWEST FUNDING CORP. | 16 | 7.250% | $240,000 | 11.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 15 | 5.625% | $315,000 | 37.5% |
| OCMBC, INC. | 14 | 7.313% | $150,000 | 23.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.120% | $235,000 | 26.9% |
| U.S. Bank National Association | 13 | 7.700% | $125,000 | 57.9% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 13 | 6.625% | $165,000 | 0.0% |
| LOWER, LLC | 13 | 6.500% | $295,000 | 7.1% |
| Commerce Home Mortgage, Inc. | 13 | 6.990% | $225,000 | 13.3% |
| CLEARPATH LENDING | 13 | 5.875% | $325,000 | 13.3% |
| Jefferson Credit Union | 13 | 7.100% | $65,000 | 13.3% |
| LIMA ONE CAPITAL, LLC | 12 | 8.475% | $105,000 | 36.8% |
| Liberty | 12 | 6.500% | $260,000 | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.375% | $235,000 | 20.0% |
| PRINCETON MORTGAGE CORPORATION | 12 | 6.250% | $155,000 | 5.9% |
| Magnolia Bank, Incorporated | 12 | 6.308% | $250,000 | 13.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.687% | $265,000 | 7.7% |
| SmartBank | 12 | 7.500% | $235,000 | 7.7% |
| Consumer First Mortgage, Inc. | 12 | 6.250% | $165,000 | 0.0% |
| Northpointe Bank | 11 | 6.625% | $185,000 | 26.7% |
| First Financial Bank | 11 | Not published | $185,000 | 47.6% |
| Metro Bank | 11 | Not published | $275,000 | 8.3% |
| Raymond James Bank | 11 | 5.500% | $655,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 10 | 7.250% | $130,000 | 63.3% |
| Southern Bancorp Bank | 10 | 6.750% | $220,000 | 18.8% |
| Tomo Mortgage, LLC | 10 | 6.750% | $385,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.120% | $515,000 | 12.5% |
| FIRSTTRUST HOME LOANS, INC. | 10 | 7.625% | $55,000 | 0.0% |
| SUCCESS LENDING, LLC | 10 | 6.438% | $255,000 | 16.7% |
| ALABAMA CREDIT UNION | 10 | 5.750% | $325,000 | 9.1% |
| Bank of England | 10 | 6.813% | $300,000 | 0.0% |
| Traditions Bank | 10 | Not published | $120,000 | 0.0% |
| LENDINGONE, LLC | 9 | Under 10 loans | Under 10 loans | 81.3% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| West Alabama Bank & Trust | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 88.4% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 35.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 38.9% |
| MILEND, INC. | 7 | Under 10 loans | Under 10 loans | 38.9% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Fifth Third Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| MAX Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Flagstar Bank, N.A. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Wilmington Savings Fund Society, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005Z23HAAZ6QDM98 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ISERVE RESIDENTIAL LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDLO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 5493004T38NMC864VL66 | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Peoples Bank of Alabama | 6 | Under 10 loans | Under 10 loans | 20.0% |
| BankPlus | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CENTRAL | 6 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| BankFirst Financial Services | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DIRECTIONS EQUITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Robertson Banking Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 321 lenders each made 6 or fewer mortgages here, and are counted in the totals above.
Bank branches in Jefferson County
183 FDIC-insured branches from 39 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
23 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cadence Bank, 1950 Edwards Lake Rd, Birmingham
- Cadence Bank, 2100 3rd Ave N, Birmingham
- Cadence Bank, 218 Louisa St, Warrior
- Cadence Bank, 2211 Highland Ave S, Birmingham
- Cadence Bank, 2250 Mount Olive Rd, Gardendale
- Cadence Bank, 2755 John Hawkins Pkwy, Hoover
- Cadence Bank, 340 Rele St, Ste D4, Mountain Brook
- Cadence Bank, 475 Southland Dr, Hoover
- Cadence Bank, 873 Dennison Ave Sw, Ste 101, Birmingham
- FirstBank, 404 Hollywood Blvd, Birmingham
- Regions Bank, 2090 Parkway Office Cir, Hoover
- Regions Bank, 941 20th St S, Birmingham
- River Bank & Trust, 1425 Montgomery Hwy, Ste 151, Vestavia Hills
- Southern States Bank, 100 Office Park Dr, Birmingham
- Synovus Bank, 109 S Chalkville Rd, Trussville
- Synovus Bank, 205 20th Street North, Birmingham
- Synovus Bank, 215 Richard Arrington Jr Blvd N, Birmingham
- Synovus Bank, 2222 Woodcrest Pl, Birmingham
- Synovus Bank, 5290 Preserve Pkwy, Hoover
- Synovus Bank, 550 Montgomery Hwy, Birmingham
- Synovus Bank, 77 Church Street, Mountain Brook
- Synovus Bank, 800 Shades Creek Pkwy, Birmingham
- Valley National Bank, 92 Euclid Ave, Birmingham
Get told when this changes
When the next year’s lending figures are out for Jefferson 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.