The Lenders Community Survey gathers homeowners feedback and 125 lenders recommendations for Alabama home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 16, 2025
<< Human Powered Recommendations >>
Alabama Top Lenders for Home Refinance Loans
Hunstville, Birmingham, Montgomery, Mobile, Tuscaloosa, Hoover, Auburn, Dothan, Madison, Decatur, Florence, Prattville, Online lenders.
Recommendations are gathered from 1,021 local Alabamians local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Alabama Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Alabama Homeowners.
Huntsville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Huntsville’s area are Bryant Bank, Redstone Federal Credit Union and Guardian Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bryant Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| Guardian Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 3.5 | 4.5 | 87% |
| Chase | Bank | 4.5 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Central Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 72% |
| Progress Bank and Trust | Community Bank | 3.0 | 3.5 | 3.5 | 70% |
| Alabama Credit Union | Credit Union | 3.5 | 3.0 | 3.5 | 68% |
| First Commercial Bank | Bank | 3.0 | 3.0 | 3.5 | 67% |
| Valley Bank | Community Bank | 3.0 | 3.0 | 3.0 | 65% |
| First Community Bank of Central Alabama | Community Bank | 3.0 | 3.0 | 3.0 | 63% |
Birmingham Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Birmingham’s area are Regions Bank, Redstone Federal Credit Union and Bryant Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Regions Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| Bryant Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Chase | Bank | 4.5 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Central Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 72% |
| Progress Bank and Trust | Community Bank | 3.0 | 3.5 | 3.5 | 70% |
| Alabama Credit Union | Credit Union | 3.5 | 3.0 | 3.5 | 68% |
| First Commercial Bank | Bank | 3.0 | 3.0 | 3.5 | 67% |
| Valley Bank | Community Bank | 3.0 | 3.0 | 3.0 | 65% |
| First Community Bank of Central Alabama | Community Bank | 3.0 | 3.0 | 3.0 | 63% |
Montgomery Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Montgomery’s area are Regions Bank, Bryant Bank and Redstone Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Regions Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bryant Bank | Community Bank | 4.5 | 4.0 | 4.5 | 92% |
| Redstone Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Alabama Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Central Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 72% |
| Progress Bank and Trust | Community Bank | 3.0 | 3.5 | 3.5 | 70% |
| First Commercial Bank | Bank | 3.0 | 3.0 | 3.5 | 67% |
| Valley Bank | Community Bank | 3.0 | 3.0 | 3.0 | 65% |
| First Community Bank of Central Alabama | Community Bank | 3.0 | 3.0 | 3.0 | 63% |
| Guardian Credit Union | Credit Union | 3.0 | 3.0 | 3.0 | 60% |
Mobile Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Mobile’s area are Regions Bank, Bryant Bank and Redstone Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Regions Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Bryant Bank | Community Bank | 4.5 | 4.0 | 4.5 | 92% |
| Redstone Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Peoples Bank of Alabama | Community Bank | 3.5 | 3.5 | 3.5 | 75% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 72% |
| Progress Bank and Trust | Community Bank | 3.0 | 3.5 | 3.5 | 70% |
Tuscaloosa Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Tuscaloosa’s area are Bryant Bank, First Federal Bank and Alabama Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bryant Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| First Federal Bank | Bank | 4.5 | 4.0 | 4.5 | 92% |
| Alabama Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| Regions Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of Tuscaloosa | Community Bank | 3.5 | 4.0 | 4.0 | 82% |
| Redstone Federal Credit Union | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Navy Federal Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 78% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| First Commercial Bank | Bank | 3.0 | 3.5 | 3.5 | 72% |
Hoover Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hoover’s area are Bryant Bank, Regions Bank and Redstone Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bryant Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Regions Bank | Bank | 4.5 | 4.0 | 4.5 | 92% |
| Redstone Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Chase | Bank | 4.5 | 4.0 | 3.5 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Cadence Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| Synovus Bank | Bank | 3.5 | 3.5 | 3.5 | 72% |
Auburn Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Auburn’s area are River Bank & Trust, Auburn University Credit Union and Guild Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| River Bank & Trust | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Auburn University Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| Guild Mortgage | Lender | 4.0 | 4.5 | 4.0 | 90% |
| Regions Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| PNC Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
| First Commercial Bank | Bank | 3.0 | 3.5 | 3.5 | 72% |
Dothan Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Dothan’s area are First National Bank, Dothan Federal Credit Union and Regions Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First National Bank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Dothan Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 92% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| FirstBank Mortgage | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| ServisFirst Bank | Bank | 3.5 | 3.5 | 3.5 | 75% |
Madison Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Madison’s area are Redstone Federal Credit Union, Regions Bank and FirstBank Mortgage.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Regions Bank | Bank | 4.5 | 4.0 | 4.5 | 93% |
| FirstBank Mortgage | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Bryant Bank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Bank of America | Bank | 4.0 | 3.5 | 4.0 | 84% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Progress Bank and Trust | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
Decatur Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Decatur’s area are Redstone Federal Credit Union, FirstBank Mortgage and Regions Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| FirstBank Mortgage | Bank | 4.5 | 4.0 | 4.5 | 93% |
| Regions Bank | Bank | 4.0 | 4.5 | 4.0 | 91% |
| Decatur Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.5 | 89% |
| Bank Independent | Community Bank | 4.0 | 3.5 | 4.0 | 84% |
| Navy Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Progress Bank and Trust | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
Florence Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Florence’s area are Assurance Financial, Redstone Federal Credit Union and Bank Independent.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Assurance Financial | Bank | 4.5 | 4.5 | 5.0 | 96% |
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 93% |
| Bank Independent | Community Bank | 4.0 | 4.5 | 4.0 | 91% |
| Integrity Mortgage Group | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Regions Bank | Bank | 4.0 | 3.5 | 4.0 | 84% |
| FirstBank Mortgage | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Navy Federal Credit Union | Credit Union | 3.5 | 3.5 | 3.5 | 78% |
Prattville Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Prattville’s area are First Community Bank, Redstone Federal Credit Union and Prattville Federal Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| First Community Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Redstone Federal Credit Union | Credit Union | 4.5 | 4.0 | 4.5 | 93% |
| Prattville Federal Credit Union | Credit Union | 4.0 | 4.5 | 4.0 | 91% |
| Regions Bank | Bank | 4.0 | 4.0 | 4.5 | 89% |
| FirstBank Mortgage | Bank | 4.0 | 3.5 | 4.0 | 84% |
| Bank of America | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Progress Bank and Trust | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
Best Alabama Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Alabama’s area are Rocket Mortgage, Better.com and Tomo.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k – $3M | 6.25% – 7.75% | 8-30 years | 4.5 | 4.5 | 4.0 | 95% |
| Better.com | $50k – $2M | 6.10% – 7.60% | 15-30 years | 5.0 | 4.0 | 3.5 | 92% |
| Tomo | $100k – $2.5M | 6.00% – 7.50% | 10-30 years | 4.5 | 4.5 | 4.0 | 90% |
| Zillow Home Loans | $50k – $2M | 6.30% – 7.80% | 15-30 years | 4.0 | 4.0 | 4.0 | 88% |
| Sage Home Loans | $50k – $1.5M | 6.20% – 7.70% | 15-30 years | 4.0 | 3.5 | 3.5 | 85% |
| Bison State Bank | $50k – $1M | 6.15% – 7.65% | 15-30 years | 3.5 | 4.0 | 3.5 | 83% |
| LowRates.com | $50k – $1M | 6.25% – 7.85% | 15-30 years | 3.5 | 3.5 | 3.0 | 80% |
| LoanDepot | $50k – $2M | 6.35% – 7.90% | 15-30 years | 3.5 | 3.5 | 3.0 | 78% |
| New American Funding | $50k – $1.5M | 6.40% – 8.00% | 15-30 years | 3.0 | 3.5 | 3.0 | 75% |
| Freedom Mortgage | $50k – $1M | 6.50% – 8.10% | 15-30 years | 3.0 | 3.0 | 3.0 | 72% |
Related Articles
Home Mortgage Refinance
