Largest lenders in Blount County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Hometown Bank of Alabama | C | 228 | 165 | 14.0% | — |
| 2 | Vanderbilt Mortgage and Finance | F | 152 | 27 | 42.1% | 9.50% |
| 3 | 21st Mortgage | F | 145 | 32 | 34.5% | 9.88% |
| 4 | United Shore Financial Services | B | 113 | 83 | 7.1% | 6.13% |
| 5 | Regions Bank | C | 111 | 54 | 42.3% | 6.06% |
| 6 | Rocket Mortgage | C | 108 | 67 | 25.9% | 6.50% |
| 7 | Union Home Mortgage | B | 70 | 51 | 2.9% | 6.38% |
| 8 | America'S First | B | 64 | 52 | 10.9% | 5.75% |
| 9 | Triad Financial Services | D | 48 | 12 | 37.5% | 8.23% |
| 10 | Mortgage Research Center | C | 46 | 21 | 28.3% | 6.50% |
| 11 | Guild Mortgage | A | 46 | 31 | 6.5% | 6.63% |
| 12 | FirstBank | C | 39 | 14 | 46.2% | 7.06% |
| 13 | Loandepot.Com | D | 39 | 25 | 20.5% | 6.99% |
| 14 | Freedom Mortgage | B | 38 | 13 | 15.8% | 6.25% |
| 15 | Prosperity Home Mortgage | A | 36 | 25 | 8.3% | 6.25% |
| 16 | Cadence Bank | B | 32 | 22 | 25.0% | 6.69% |
| 17 | AmeriSave Mortgage | D | 32 | 8 | 65.6% | 9.50% |
| 18 | Fairway Independent Mortgage | B | 31 | 25 | 0.0% | 6.63% |
| 19 | Pennymac Loan Services | C | 29 | 17 | 10.3% | 7.38% |
| 20 | Coastal Community Bank | C | 26 | 4 | 3.9% | 9.49% |
| 21 | Guaranteed Rate | B | 25 | 12 | 4.0% | 6.63% |
| 22 | Truist Bank | C | 24 | 15 | 33.3% | 6.85% |
| 23 | PNC Bank | D | 23 | 13 | 43.5% | 7.76% |
| 24 | Crosscountry Mortgage | B | 22 | 11 | 9.1% | 6.19% |
| 25 | Spring Eq | D | 22 | 7 | 36.4% | 9.18% |
Best approval odds in Blount County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Union Home Mortgage | 55 | 3.6% |
| 2 | United Shore Financial Services | 93 | 8.6% |
| 3 | America'S First | 59 | 11.9% |
| 4 | The Hometown Bank of Alabama | 217 | 14.8% |
| 5 | Rocket Mortgage | 96 | 29.2% |
| 6 | Regions Bank | 107 | 43.9% |
| 7 | 21st Mortgage | 87 | 57.5% |
| 8 | Vanderbilt Mortgage and Finance | 99 | 64.7% |
What Blount County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Blount County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,975 | 1,088 | 21.4% | 6.88% | $125,000 |
| 2024 | 2,052 | 1,128 | 20.7% | 6.75% | $145,000 |
| 2025 | 2,354 | 1,273 | 21.0% | 6.63% | $155,000 |
Frequently asked questions
21.0% of applications in Blount County were denied in 2025, against 19.9% statewide in Alabama.
The Hometown Bank of Alabama, with 228 applications in 2025 and a denial rate of 14.0%.
The median mortgage application in Blount County in 2025 was for $155,000; the median property value on originated loans was $245,000.