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Your mortgage
stays local.

Your mortgage stays with us - which means local, friendly service for the life of your loan. With as little as 3% down*, low rates, and no PMI**, we've got all you need to turn your house into a happy home.

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Put down roots.

We guarantee never to sell your home loan. That means the added convenience of always paying Listerhill, and the benefit of our excellent member service throughout the life of your loan. So you can feel great about planting yourself here.

Apply Now

Looking to refi? We've got the most competitive rates for that, too.

There's never been a better time to refinance. Apply today to lower your payments when you bring your mortgage to Listerhill.

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*Down payment must be minimum of 3% to qualify. 360 monthly payments of $716.12 for $150,000 borrowed at 4.00% APR. Down payment requirement applies to purchase price or appraisal, whichever is lower. Terms and conditions apply.

**Private Mortgage Insurance. NMLS #439260

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Frequently Asked Questions

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, we may require membership into an approved association at no cost to you.
    • You can also qualify for membership by being a family member of a current or potential Listerhill member.
  • If you do not live in qualifying counties or states

    You can qualify for membership by being a family member of a current or potential Listerhill member.

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.