Home purchase lenders in Jefferson County
7,438 home purchase mortgages were made in Jefferson County, Alabama, in 2025, by 414 lenders. The median rate their borrowers got was 6.500% on a median loan of $245,000. Of 8,908 decisions, 1,156 were denials — 13.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fairway Independent Mortgage Corporation | 441 | 6.500% | $285,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 437 | 6.399% | $225,000 | 10.3% |
| SouthState Bank, National Association | 366 | 6.125% | $145,000 | 19.6% |
| Cadence Bank | 317 | 6.250% | $295,000 | 7.1% |
| FirstBank | 280 | 6.125% | $195,000 | 12.2% |
| Regions Bank | 264 | 6.500% | $275,000 | 15.3% |
| Renasant Bank | 242 | 6.500% | $285,000 | 6.9% |
| Trustmark National Bank | 217 | 6.250% | $305,000 | 3.1% |
| GUILD MORTGAGE COMPANY | 197 | 6.500% | $215,000 | 2.7% |
| UNION HOME MORTGAGE CORP. | 186 | 6.625% | $275,000 | 4.5% |
| Rocket Mortgage, LLC | 162 | 6.625% | $225,000 | 14.7% |
| Prosperity Home Mortgage, LLC | 161 | 6.500% | $265,000 | 8.0% |
| MOVEMENT MORTGAGE, LLC | 156 | 6.625% | $210,000 | 7.0% |
| DHI MORTGAGE COMPANY, LTD. | 146 | 4.990% | $305,000 | 23.8% |
| Mortgage Research Center, LLC | 142 | 6.625% | $225,000 | 14.6% |
| SouthPoint Bank | 118 | 6.250% | $265,000 | 3.2% |
| Synovus Bank | 108 | 6.500% | $215,000 | 11.4% |
| CANOPY MORTGAGE, LLC | 97 | 6.000% | $245,000 | 0.0% |
| Assurance Financial Group, L.L.C. | 94 | 6.625% | $225,000 | 5.1% |
| THE LOAN STORE, INC. | 84 | 6.500% | $295,000 | 3.2% |
| Broker Solutions, Inc. | 79 | 6.750% | $175,000 | 4.8% |
| GUARANTEED RATE, INC. | 75 | 6.625% | $165,000 | 14.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.625% | $245,000 | 0.0% |
| Kiavi Funding, Inc. | 70 | 10.620% | $140,000 | 12.2% |
| JPMorgan Chase Bank, National Association | 69 | 6.375% | $235,000 | 13.6% |
| First Federal Bank, A FSB | 69 | 6.375% | $295,000 | 5.3% |
| Mortgage Right | 69 | 6.500% | $265,000 | 2.8% |
| BPL MORTGAGE TRUST, LLC | 68 | 7.625% | $75,000 | 13.8% |
| STOCKTON MORTGAGE CORPORATION | 66 | 6.750% | $215,000 | 11.7% |
| ServisFirst Bank | 58 | 6.500% | $235,000 | 11.9% |
| First Horizon Bank | 58 | 6.500% | $255,000 | 10.8% |
| PENNYMAC LOAN SERVICES, LLC | 55 | 6.500% | $305,000 | 11.3% |
| LEADERONE FINANCIAL CORPORATION | 53 | 6.500% | $195,000 | 26.4% |
| Navy Federal Credit Union | 52 | 6.375% | $250,000 | 18.8% |
| AVADIAN | 52 | 6.188% | $275,000 | 8.1% |
| Loandepot.Com, LLC | 51 | 5.500% | $285,000 | 31.6% |
| FBC MORTGAGE, LLC | 51 | 6.250% | $295,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 49 | 6.990% | $195,000 | 64.2% |
| Wells Fargo Bank, National Association | 49 | 6.375% | $275,000 | 21.0% |
| AMERICA'S FIRST | 49 | 6.250% | $165,000 | 10.5% |
| HUNT MORTGAGE CORPORATION | 45 | 6.500% | $285,000 | 2.1% |
| 5493005QMX3SJKDTQZ62 | 45 | 6.750% | $305,000 | 6.1% |
| NEWREZ LLC | 35 | 6.375% | $325,000 | 10.0% |
| Ameris Bank | 35 | 6.500% | $225,000 | 5.3% |
| Plains Commerce Bank | 33 | 6.625% | $385,000 | 2.9% |
| MORIA DEVELOPMENT, INC. | 33 | 7.875% | $75,000 | 5.7% |
| 21st Mortgage Corporation | 32 | 9.915% | $105,000 | 67.6% |
| United Community Bank | 32 | 6.500% | $245,000 | 8.3% |
| PNC Bank, National Association | 32 | 6.500% | $270,000 | 20.0% |
| Truist Bank | 32 | 6.188% | $305,000 | 13.5% |
| Presidential Bank, FSB | 30 | 6.625% | $240,000 | 11.4% |
| LEGACY COMMUNITY FEDERAL CREDIT UNION | 29 | Not published | $325,000 | 5.0% |
| GMFS LLC | 29 | 6.375% | $405,000 | 0.0% |
| River Bank & Trust | 29 | 7.350% | $335,000 | 0.0% |
| Loan Funder LLC | 28 | 10.750% | $115,000 | 31.7% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.250% | $290,000 | 17.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 27 | 6.490% | $275,000 | 3.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 26 | 6.125% | $270,000 | 10.3% |
| BoxCar Mortgage, LLC | 26 | 6.313% | $255,000 | 0.0% |
| Liberty Mortgage Corporation | 25 | 6.500% | $315,000 | 0.0% |
| Click n' Close, Inc. | 24 | 7.000% | $150,000 | 0.0% |
| HOPE FEDERAL CREDIT UNION | 24 | 6.875% | $140,000 | 31.4% |
| THE MORTGAGE FIRM, INC. | 24 | 6.495% | $225,000 | 3.9% |
| FIRST COLONY MORTGAGE CORPORATION | 22 | 6.625% | $230,000 | 0.0% |
| 254900CTT87ZKAUTIJ37 | 22 | 8.188% | $155,000 | 29.0% |
| Bank of America, National Association | 22 | 5.750% | $255,000 | 21.4% |
| TOWNE MORTGAGE COMPANY | 22 | 6.188% | $255,000 | 4.0% |
| Filo Mortgage, L.L.C. | 20 | 6.125% | $375,000 | 4.8% |
| Community Bank of Mississippi | 19 | 7.500% | $355,000 | 15.4% |
| Bryant Bank | 19 | 6.875% | $305,000 | 9.5% |
| First National Bank of America | 18 | 9.245% | $145,000 | 17.4% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 18 | 6.813% | $225,000 | 0.0% |
| Colorado Federal Savings Bank | 18 | 6.375% | $335,000 | 10.0% |
| USAA Federal Savings Bank | 17 | 6.500% | $195,000 | 46.9% |
| Hamilton Mortgage Corporation | 17 | 6.000% | $135,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.250% | $285,000 | 25.0% |
| EVERETT FINANCIAL, INC. | 17 | 6.375% | $145,000 | 10.5% |
| ZILLOW HOME LOANS, LLC | 17 | 6.500% | $195,000 | 10.5% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.625% | $215,000 | 26.1% |
| NFM, INC. | 17 | 6.250% | $235,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 16 | 6.500% | $165,000 | 5.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.438% | $365,000 | 0.0% |
| Stifel Bank and Trust | 14 | 6.063% | $760,000 | 0.0% |
| PREMIER LENDING, INC. | 14 | 7.313% | $140,000 | 0.0% |
| Central State Bank | 14 | Not published | $360,000 | 0.0% |
| EvaBank | 13 | Not published | $115,000 | 17.7% |
| Pinnacle Bank | 13 | 6.375% | $265,000 | 12.5% |
| CMG MORTGAGE, INC. | 13 | 6.500% | $405,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 13 | 5.900% | $605,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 13 | 8.375% | $125,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | 10.995% | $165,000 | 0.0% |
| APCO EMPLOYEES | 12 | 6.063% | $205,000 | 14.3% |
| ACIPCO Federal Credit Union | 12 | 7.250% | $235,000 | 0.0% |
| Consumer First Mortgage, Inc. | 12 | 6.250% | $165,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.750% | $175,000 | 42.9% |
| Liberty | 11 | 6.500% | $265,000 | 8.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 11 | 7.750% | $255,000 | 14.3% |
| PRINCETON MORTGAGE CORPORATION | 11 | 6.250% | $135,000 | 7.1% |
| CB&S Bank, Inc. | 11 | 6.990% | $425,000 | 0.0% |
| Tomo Mortgage, LLC | 10 | 6.750% | $385,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 10 | 6.495% | $170,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 10 | 6.063% | $220,000 | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 10 | 7.563% | $125,000 | 21.4% |
| The Hometown Bank of Alabama | 10 | Not published | $200,000 | 7.7% |
| AMWEST FUNDING CORP. | 10 | 7.188% | $250,000 | 9.1% |
| SUCCESS LENDING, LLC | 10 | 6.438% | $255,000 | 9.1% |
| Bank of England | 10 | 6.813% | $300,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Southern Bancorp Bank | 9 | Under 10 loans | Under 10 loans | 21.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 38.9% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| REDSTONE Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Magnolia Bank, Incorporated | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRSTTRUST HOME LOANS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LAND HOME FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDLO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Eco Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 39.6% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 2549005Z23HAAZ6QDM98 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Zippy Loans, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Traditions Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| West Alabama Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SmartBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 20.0% |
| Barrington Bank & Trust Company, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTIONS EQUITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Robertson Banking Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BankPlus | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BankFirst Financial Services | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALABAMA ONE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HANCOCK WHITNEY BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NobleBank & Trust | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Frankewing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Marion Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Independent | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Alabama | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Troy Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | 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 214 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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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. 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.