Alabama · HMDA 2025
Mortgage lenders in Cherokee County, AL
169 lenders reported 1,193 home-loan applications in Cherokee County in 2025. 535 closed as loans ($121.1M), 269 were denied — a 31.1% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 22% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,193
- Loans originated
- 535
- Purchase / refinance
- 262 / 189
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cherokee County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 112 | 9.4% | — |
| 2 | Regions Bank 64 out of 100, Moderate | 82 | 6.9% | 43.1% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 69 | 5.8% | — |
| 4 | Rocket Mortgage, LLC | 67 | 5.6% | — |
| 5 | 21st Mortgage Corporation | 60 | 5.0% | — |
| 6 | Emblem Credit Union 72 out of 100, Strong | 45 | 3.8% | 28.7% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 34 | 2.8% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 27 | 2.3% | — |
| 9 | Loandepot.Com, LLC | 22 | 1.8% | — |
| 10 | FAMILY SAVINGS CREDIT UNION 55 out of 100, Moderate | 21 | 1.8% | 11.7% |
| 11 | NEWREZ LLC | 19 | 1.6% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 1.6% | 14.1% |
| 13 | NATIONSTAR MORTGAGE LLC | 19 | 1.6% | — |
| 14 | AmeriSave Mortgage Corporation | 17 | 1.4% | — |
| 15 | ALABAMA ONE | 17 | 1.4% | — |
| 16 | Trustmark National Bank 62 out of 100, Moderate | 17 | 1.4% | 14.7% |
| 17 | Mortgage Research Center, LLC | 16 | 1.3% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.3% | — |
| 19 | First Federal Bank, A FSB 55 out of 100, Moderate | 16 | 1.3% | 4.5% |
| 20 | CROSSCOUNTRY MORTGAGE, INC. | 15 | 1.3% | — |
| 21 | Broker Solutions, Inc. | 14 | 1.2% | — |
| 22 | United Community Bank 67 out of 100, Moderate | 14 | 1.2% | 25.4% |
| 23 | KIND LENDING, LLC | 13 | 1.1% | — |
| 24 | FirstBank 59 out of 100, Moderate | 13 | 1.1% | 42.8% |
| 25 | Renasant Bank 64 out of 100, Moderate | 12 | 1.0% | 11.6% |
| 26 | STOCKTON MORTGAGE CORPORATION | 12 | 1.0% | — |
| 27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 1.0% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 10 | 0.8% | — |
| 29 | SPRING EQ, LLC | 9 | 0.8% | — |
| 30 | SOUTHWEST STAGE FUNDING, LLC | 9 | 0.8% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 0.7% | 32.9% |
| 32 | FIGURE LENDING LLC | 8 | 0.7% | — |
| 33 | PLANET HOME LENDING, LLC | 8 | 0.7% | — |
| 34 | Peoples Bank of Alabama 76 out of 100, Strong | 8 | 0.7% | 22.4% |
| 35 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 7 | 0.6% | 22.2% |
| 36 | Fairway Independent Mortgage Corporation | 7 | 0.6% | — |
| 37 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 0.6% | 33.8% |
| 38 | AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | 0.6% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.6% | — |
| 40 | Luminate Bank 47 out of 100, Below average | 7 | 0.6% | 4.3% |
Top 40 of 169 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Alabama
- Jefferson County 28,393 apps
- Madison County 23,854 apps
- Baldwin County 17,566 apps
- Mobile County 16,489 apps
- Shelby County 12,554 apps
- Montgomery County 9,224 apps
- Tuscaloosa County 8,980 apps
- Lee County 8,781 apps
- Limestone County 7,909 apps
- Morgan County 5,666 apps
- St. Clair County 5,338 apps
- Houston County 4,894 apps