Alabama · HMDA 2025
Mortgage lenders in St. Clair County, AL
274 lenders reported 5,338 home-loan applications in St. Clair County in 2025. 2,689 closed as loans ($573.3M), 853 were denied — a 22.9% denial rate on decided applications, below the Alabama rate of 24.7%. The three most active lenders handled 13% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 7 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,338
- Loans originated
- 2,689
- Purchase / refinance
- 1,584 / 686
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Clair County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 233 | 4.4% | — |
| 2 | Regions Bank 64 out of 100, Moderate | 233 | 4.4% | 43.1% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 221 | 4.1% | — |
| 4 | Rocket Mortgage, LLC | 220 | 4.1% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 199 | 3.7% | — |
| 6 | DHI MORTGAGE COMPANY, LTD. | 180 | 3.4% | — |
| 7 | AMERICA'S FIRST | 167 | 3.1% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 149 | 2.8% | — |
| 9 | 21st Mortgage Corporation | 143 | 2.7% | — |
| 10 | NEWREZ LLC | 126 | 2.4% | — |
| 11 | Metro Bank | 116 | 2.2% | — |
| 12 | SouthPoint Bank | 111 | 2.1% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 106 | 2.0% | — |
| 14 | Mortgage Research Center, LLC | 91 | 1.7% | — |
| 15 | FirstBank 59 out of 100, Moderate | 91 | 1.7% | 42.8% |
| 16 | Fairway Independent Mortgage Corporation | 83 | 1.6% | — |
| 17 | GUILD MORTGAGE COMPANY | 83 | 1.6% | — |
| 18 | TRIAD FINANCIAL SERVICES, INC. | 78 | 1.5% | — |
| 19 | NATIONSTAR MORTGAGE LLC | 78 | 1.5% | — |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 74 | 1.4% | 14.1% |
| 21 | Loandepot.Com, LLC | 74 | 1.4% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 68 | 1.3% | 33.8% |
| 23 | LENDLO MORTGAGE, LLC | 68 | 1.3% | — |
| 24 | Truist Bank 63 out of 100, Moderate | 65 | 1.2% | 40.8% |
| 25 | FBC MORTGAGE, LLC | 59 | 1.1% | — |
| 26 | STOCKTON MORTGAGE CORPORATION | 59 | 1.1% | — |
| 27 | Cadence Bank | 58 | 1.1% | — |
| 28 | PLANET HOME LENDING, LLC | 56 | 1.0% | — |
| 29 | Broker Solutions, Inc. | 53 | 1.0% | — |
| 30 | CANOPY MORTGAGE, LLC | 50 | 0.9% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 46 | 0.9% | 32.9% |
| 32 | UNION HOME MORTGAGE CORP. | 46 | 0.9% | — |
| 33 | FIGURE LENDING LLC | 44 | 0.8% | — |
| 34 | AmeriSave Mortgage Corporation | 42 | 0.8% | — |
| 35 | First Federal Bank, A FSB 55 out of 100, Moderate | 42 | 0.8% | 4.5% |
| 36 | SPRING EQ, LLC | 41 | 0.8% | — |
| 37 | Assurance Financial Group, L.L.C. | 41 | 0.8% | — |
| 38 | AVADIAN | 41 | 0.8% | — |
| 39 | Prosperity Home Mortgage, LLC | 40 | 0.7% | — |
| 40 | MOVEMENT MORTGAGE, LLC | 39 | 0.7% | — |
Top 40 of 274 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
- Houston County 4,894 apps
- Calhoun County 4,767 apps