Alabama · HMDA 2025
Mortgage lenders in Franklin County, AL
108 lenders reported 886 home-loan applications in Franklin County in 2025. 432 closed as loans ($63.3M), 184 were denied — a 28.4% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 34% of applications, led by CB&S Bank, Inc.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 886
- Loans originated
- 432
- Purchase / refinance
- 204 / 162
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | CB&S Bank, Inc. | 184 | 20.8% | — |
| 2 | 21st Mortgage Corporation | 66 | 7.4% | — |
| 3 | Bank Independent | 47 | 5.3% | — |
| 4 | Listerhill Credit Union 69 out of 100, Moderate | 36 | 4.1% | 3.5% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 31 | 3.5% | — |
| 6 | Rocket Mortgage, LLC | 28 | 3.2% | — |
| 7 | First Metro Bank 84 out of 100, Strong | 25 | 2.8% | 7.7% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 23 | 2.6% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 23 | 2.6% | — |
| 10 | FirstBank 59 out of 100, Moderate | 22 | 2.5% | 42.8% |
| 11 | Regions Bank 64 out of 100, Moderate | 20 | 2.3% | 43.1% |
| 12 | Mortgage Research Center, LLC | 19 | 2.1% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 2.0% | — |
| 14 | PHH Mortgage Corporation | 14 | 1.6% | — |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 13 | 1.5% | 32.5% |
| 16 | Assurance Financial Group, L.L.C. | 12 | 1.4% | — |
| 17 | PLANET HOME LENDING, LLC | 12 | 1.4% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 11 | 1.2% | — |
| 19 | AmeriSave Mortgage Corporation | 10 | 1.1% | — |
| 20 | Wolfe Financial, Inc | 10 | 1.1% | — |
| 21 | ALABAMA CENTRAL | 10 | 1.1% | — |
| 22 | NEWREZ LLC | 9 | 1.0% | — |
| 23 | Broker Solutions, Inc. | 9 | 1.0% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 1.0% | — |
| 25 | SOUTHWEST STAGE FUNDING, LLC | 8 | 0.9% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 8 | 0.9% | — |
| 27 | First Federal Bank, A FSB 55 out of 100, Moderate | 7 | 0.8% | 4.5% |
| 28 | Trustmark National Bank 62 out of 100, Moderate | 7 | 0.8% | 14.7% |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.7% | 14.1% |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.7% | 39.5% |
| 31 | SPRING EQ, LLC | 5 | 0.6% | — |
| 32 | FIGURE LENDING LLC | 5 | 0.6% | — |
| 33 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.6% | — |
| 34 | LAND HOME FINANCIAL SERVICES, INC. | 5 | 0.6% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.6% | — |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.6% | — |
| 37 | First National Bank | 5 | 0.6% | — |
| 38 | MILEND, INC. | 5 | 0.6% | — |
| 39 | BETTER MORTGAGE CORPORATION | 5 | 0.6% | — |
| 40 | PeoplesTrust Bank 73 out of 100, Strong | 5 | 0.6% | 2.4% |
Top 40 of 108 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