Alabama · HMDA 2025
Mortgage lenders in Shelby County, AL
367 lenders reported 12,554 home-loan applications in Shelby County in 2025. 6,758 closed as loans ($2.0B), 1,664 were denied — a 18.8% denial rate on decided applications, below the Alabama rate of 24.7%. The three most active lenders handled 18% of applications, led by Regions Bank. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,554
- Loans originated
- 6,758
- Purchase / refinance
- 3,649 / 1,661
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Regions Bank 64 out of 100, Moderate | 1,139 | 9.1% | 43.1% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 567 | 4.5% | — |
| 3 | Rocket Mortgage, LLC | 496 | 4.0% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 440 | 3.5% | — |
| 5 | DHI MORTGAGE COMPANY, LTD. | 343 | 2.7% | — |
| 6 | AMERICA'S FIRST | 343 | 2.7% | — |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 337 | 2.7% | — |
| 8 | AVADIAN | 336 | 2.7% | — |
| 9 | AMERIHOME MORTGAGE COMPANY, LLC | 296 | 2.4% | — |
| 10 | Fairway Independent Mortgage Corporation | 281 | 2.2% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 267 | 2.1% | 14.1% |
| 12 | FirstBank 59 out of 100, Moderate | 261 | 2.1% | 42.8% |
| 13 | FREEDOM MORTGAGE CORPORATION | 255 | 2.0% | — |
| 14 | NEWREZ LLC | 251 | 2.0% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 244 | 1.9% | — |
| 16 | Cadence Bank | 206 | 1.6% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 194 | 1.5% | 33.8% |
| 18 | GUILD MORTGAGE COMPANY | 183 | 1.5% | — |
| 19 | Prosperity Home Mortgage, LLC | 169 | 1.3% | — |
| 20 | Renasant Bank 64 out of 100, Moderate | 165 | 1.3% | 11.6% |
| 21 | MOVEMENT MORTGAGE, LLC | 164 | 1.3% | — |
| 22 | Trustmark National Bank 62 out of 100, Moderate | 162 | 1.3% | 14.7% |
| 23 | UNION HOME MORTGAGE CORP. | 161 | 1.3% | — |
| 24 | Loandepot.Com, LLC | 160 | 1.3% | — |
| 25 | SouthPoint Bank | 143 | 1.1% | — |
| 26 | FBC MORTGAGE, LLC | 142 | 1.1% | — |
| 27 | Navy Federal Credit Union 66 out of 100, Moderate | 139 | 1.1% | 32.9% |
| 28 | Coastal Community Bank 35 out of 100, Low | 134 | 1.1% | 3.0% |
| 29 | Mortgage Research Center, LLC | 127 | 1.0% | — |
| 30 | FIGURE LENDING LLC | 116 | 0.9% | — |
| 31 | Truist Bank 63 out of 100, Moderate | 108 | 0.9% | 40.8% |
| 32 | APCO EMPLOYEES | 108 | 0.9% | — |
| 33 | 21st Mortgage Corporation | 107 | 0.9% | — |
| 34 | PLANET HOME LENDING, LLC | 104 | 0.8% | — |
| 35 | SPRING EQ, LLC | 87 | 0.7% | — |
| 36 | STOCKTON MORTGAGE CORPORATION | 84 | 0.7% | — |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 83 | 0.7% | 32.5% |
| 38 | Mortgage Right | 81 | 0.6% | — |
| 39 | AmeriSave Mortgage Corporation | 79 | 0.6% | — |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 79 | 0.6% | — |
Top 40 of 367 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
- 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
- Calhoun County 4,767 apps