Alabama · HMDA 2025
Mortgage lenders in Clay County, AL
99 lenders reported 419 home-loan applications in Clay County in 2025. 167 closed as loans ($27.0M), 110 were denied — a 36.8% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 28% of applications, led by 21st Mortgage Corporation. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 419
- Loans originated
- 167
- Purchase / refinance
- 96 / 52
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 49 | 11.7% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 43 | 10.3% | — |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 25 | 6.0% | — |
| 4 | Rocket Mortgage, LLC | 21 | 5.0% | — |
| 5 | MORIA DEVELOPMENT, INC. | 16 | 3.8% | — |
| 6 | FirstBank 59 out of 100, Moderate | 16 | 3.8% | 42.8% |
| 7 | Mortgage Research Center, LLC | 15 | 3.6% | — |
| 8 | Regions Bank 64 out of 100, Moderate | 14 | 3.3% | 43.1% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 12 | 2.9% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 11 | 2.6% | 40.8% |
| 11 | AmeriSave Mortgage Corporation | 8 | 1.9% | — |
| 12 | NEWREZ LLC | 7 | 1.7% | — |
| 13 | Fairway Independent Mortgage Corporation | 7 | 1.7% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 7 | 1.7% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.4% | 14.1% |
| 16 | Loandepot.Com, LLC | 6 | 1.4% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 6 | 1.4% | 3.0% |
| 18 | CSL Financial, LLC | 5 | 1.2% | — |
| 19 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.2% | — |
| 20 | AMERICA'S FIRST | 5 | 1.2% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 5 | 1.2% | — |
| 22 | First Bank of Alabama | 5 | 1.2% | — |
| 23 | ALABAMA ONE | 5 | 1.2% | — |
| 24 | Broker Solutions, Inc. | 4 | 1.0% | — |
| 25 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 1.0% | 33.8% |
| 26 | SPRING EQ, LLC | 4 | 1.0% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.0% | — |
| 28 | FIGURE LENDING LLC | 4 | 1.0% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 4 | 1.0% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.7% | — |
| 31 | TOP FLITE FINANCIAL, INC. | 3 | 0.7% | — |
| 32 | River Bank & Trust | 3 | 0.7% | — |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | 0.7% | — |
| 34 | NEW DAY FINANCIAL, LLC | 3 | 0.7% | — |
| 35 | UNION HOME MORTGAGE CORP. | 3 | 0.7% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.7% | — |
| 37 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 0.7% | 37.2% |
| 38 | AlaTrust Credit Union 75 out of 100, Strong | 2 | 0.5% | 51.5% |
| 39 | AOD Federal Credit Union 89 out of 100, Very strong | 2 | 0.5% | 10.6% |
| 40 | Filo Mortgage, L.L.C. | 2 | 0.5% | — |
Top 40 of 99 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