Alabama · HMDA 2025
Mortgage lenders in Monroe County, AL
103 lenders reported 512 home-loan applications in Monroe County in 2025. 213 closed as loans ($37.2M), 156 were denied — a 40.2% denial rate on decided applications, above the Alabama rate of 24.7%. The three most active lenders handled 24% of applications, led by 21st Mortgage Corporation. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 512
- Loans originated
- 213
- Purchase / refinance
- 123 / 66
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monroe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 46 | 9.0% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 38 | 7.4% | — |
| 3 | Rocket Mortgage, LLC | 38 | 7.4% | — |
| 4 | Regions Bank 64 out of 100, Moderate | 32 | 6.3% | 43.1% |
| 5 | Trustmark National Bank 62 out of 100, Moderate | 19 | 3.7% | 14.7% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 3.5% | — |
| 7 | A&D Mortgage LLC | 17 | 3.3% | — |
| 8 | Gulf Winds Credit Union 69 out of 100, Moderate | 15 | 2.9% | 27.1% |
| 9 | NATIONSTAR MORTGAGE LLC | 14 | 2.7% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 14 | 2.7% | — |
| 11 | Mortgage Research Center, LLC | 13 | 2.5% | — |
| 12 | United Bank 74 out of 100, Strong | 13 | 2.5% | 20.3% |
| 13 | AmeriSave Mortgage Corporation | 12 | 2.3% | — |
| 14 | First Suncoast Trust BancShares, Inc. | 11 | 2.1% | — |
| 15 | FirstBank 59 out of 100, Moderate | 11 | 2.1% | 42.8% |
| 16 | PENNYMAC LOAN SERVICES, LLC | 10 | 2.0% | — |
| 17 | TRIAD FINANCIAL SERVICES, INC. | 10 | 2.0% | — |
| 18 | NEWREZ LLC | 9 | 1.8% | — |
| 19 | Broker Solutions, Inc. | 9 | 1.8% | — |
| 20 | Fairway Independent Mortgage Corporation | 8 | 1.6% | — |
| 21 | Loandepot.Com, LLC | 8 | 1.6% | — |
| 22 | Cadence Bank | 7 | 1.4% | — |
| 23 | MOVEMENT MORTGAGE, LLC | 5 | 1.0% | — |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.8% | 14.1% |
| 25 | GUILD MORTGAGE COMPANY | 4 | 0.8% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.8% | — |
| 27 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.8% | — |
| 28 | NEW DAY FINANCIAL, LLC | 4 | 0.8% | — |
| 29 | PHH Mortgage Corporation | 4 | 0.8% | — |
| 30 | Flagstar Bank, N.A. 31 out of 100, Low | 4 | 0.8% | 35.1% |
| 31 | Legends Bank 71 out of 100, Strong | 4 | 0.8% | 4.4% |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.6% | 32.9% |
| 33 | Synergy One Lending, Inc. | 3 | 0.6% | — |
| 34 | PLANET HOME LENDING, LLC | 3 | 0.6% | — |
| 35 | ALL IN FEDERAL CREDIT UNION 57 out of 100, Moderate | 3 | 0.6% | 43.3% |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.6% | — |
| 37 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | 0.6% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.4% | 22.2% |
| 39 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.4% | 44.7% |
| 40 | THE LOAN STORE, INC. | 2 | 0.4% | — |
Top 40 of 103 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