2025 · Alabama
Most active investment-property lenders in Alabama
In 2025, 9,484 investment-property loans were originated on single-family 1-4 unit homes in Alabama. These are the lenders that wrote the most of them, by HMDA-reported volume.
Alabama lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Kiavi Funding, Inc. | DSCR / biz | 606 | $89M | 100% |
| 2 | United Shore Financial Services, LLC | DSCR / biz | 462 | $68M | 100% |
| 3 | BPL Mortgage Trust, LLC | DSCR / biz | 290 | $31M | 100% |
| 4 | Family Savings Credit Union | DSCR / biz | 235 | $45M | 99% |
| 5 | River Bank & Trust | DSCR / biz | 216 | $36M | 97% |
| 6 | Loan Funder LLC | DSCR / biz | 213 | $29M | 100% |
| 7 | Community Bank of Mississippi | DSCR / biz | 168 | $55M | 96% |
| 8 | Cadence Bank | DSCR / biz | 165 | $36M | 100% |
| 9 | Renasant Bank | DSCR / biz | 163 | $33M | 95% |
| 10 | Firstbank | DSCR / biz | 160 | $38M | 99% |
Lenders with at least 10 reported investor originations in Alabama, top 10.
How investors borrow in Alabama
The rate premium, denial rate, and DSCR share in Alabama — Investor Financing Report.
Where Alabama cash-flows
Gross rental yield and top metros in Alabama — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Alabama?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Alabama were Kiavi Funding, Inc. (606 originations), United Shore Financial Services, LLC (462), and BPL Mortgage Trust, LLC (290). 9,484 investor loans were originated statewide.
Which Alabama lenders focus on DSCR / business-purpose loans?
Lenders whose Alabama investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Kiavi Funding, Inc., United Shore Financial Services, LLC, BPL Mortgage Trust, LLC, Family Savings Credit Union. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.