Alabama · HMDA 2025
Mortgage lenders in Lowndes County, AL
70 lenders reported 359 home-loan applications in Lowndes County in 2025. 111 closed as loans ($18.9M), 124 were denied — a 47.9% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 42% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 359
- Loans originated
- 111
- Purchase / refinance
- 63 / 32
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lowndes County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 70 | 19.5% | — |
| 2 | 21st Mortgage Corporation | 64 | 17.8% | — |
| 3 | Guardian Credit Union | 16 | 4.5% | — |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 13 | 3.6% | — |
| 5 | Regions Bank 64 out of 100, Moderate | 12 | 3.3% | 43.1% |
| 6 | GUILD MORTGAGE COMPANY | 10 | 2.8% | — |
| 7 | SOUTHWEST STAGE FUNDING, LLC | 10 | 2.8% | — |
| 8 | MAX Credit Union 89 out of 100, Very strong | 10 | 2.8% | 27.0% |
| 9 | Mortgage Research Center, LLC | 9 | 2.5% | — |
| 10 | Loandepot.Com, LLC | 8 | 2.2% | — |
| 11 | FirstBank 59 out of 100, Moderate | 8 | 2.2% | 42.8% |
| 12 | First Citizens Bank 87 out of 100, Very strong | 7 | 1.9% | 1.0% |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 1.7% | — |
| 14 | Broker Solutions, Inc. | 6 | 1.7% | — |
| 15 | NEW DAY FINANCIAL, LLC | 6 | 1.7% | — |
| 16 | Cadence Bank | 6 | 1.7% | — |
| 17 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 1.4% | 32.9% |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 1.4% | — |
| 19 | Rocket Mortgage, LLC | 5 | 1.4% | — |
| 20 | AmeriSave Mortgage Corporation | 4 | 1.1% | — |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 1.1% | 33.8% |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.1% | — |
| 23 | River Bank & Trust | 4 | 1.1% | — |
| 24 | Trustmark National Bank 62 out of 100, Moderate | 4 | 1.1% | 14.7% |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.8% | 14.1% |
| 26 | PENNYMAC LOAN SERVICES, LLC | 3 | 0.8% | — |
| 27 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 0.8% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 3 | 0.8% | 3.0% |
| 29 | CMG MORTGAGE, INC. | 2 | 0.6% | — |
| 30 | NEWREZ LLC | 2 | 0.6% | — |
| 31 | Fairway Independent Mortgage Corporation | 2 | 0.6% | — |
| 32 | CSL Financial, LLC | 2 | 0.6% | — |
| 33 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.6% | — |
| 34 | LONGBRIDGE FINANCIAL, LLC | 2 | 0.6% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.6% | — |
| 36 | LoanUnited.com, LLC | 2 | 0.6% | — |
| 37 | PHH Mortgage Corporation | 2 | 0.6% | — |
| 38 | Truist Bank 63 out of 100, Moderate | 1 | 0.3% | 40.8% |
| 39 | MOVEMENT MORTGAGE, LLC | 1 | 0.3% | — |
| 40 | Discover Bank | 1 | 0.3% | — |
Top 40 of 70 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