Largest lenders in Butler County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 137 | 23 | 38.0% | 10.99% |
| 2 | 21st Mortgage | F | 53 | 6 | 58.5% | 9.33% |
| 3 | Trustmark National Bank | C | 34 | 23 | 20.6% | 7.50% |
| 4 | Guardian Credit Union | D | 33 | 13 | 57.6% | 7.00% |
| 5 | Rocket Mortgage | C | 30 | 24 | 13.3% | 6.49% |
| 6 | First Citizens Bank | A | 28 | 28 | 0.0% | — |
| 7 | Mortgage Research Center | C | 19 | 11 | 0.0% | 6.63% |
| 8 | Guild Mortgage | A | 15 | 10 | 13.3% | 6.50% |
| 9 | Southwest Stage Funding | F | 15 | 4 | 0.0% | 10.48% |
| 10 | Union Home Mortgage | B | 14 | 12 | 14.3% | 6.56% |
| 11 | Cadence Bank | B | 13 | 10 | 23.1% | 7.50% |
| 12 | Navy Federal Credit Union | D | 13 | 8 | 15.4% | 7.13% |
| 13 | Triad Financial Services | D | 12 | 0 | 50.0% | — |
| 14 | Regions Bank | C | 9 | 4 | 22.2% | 6.69% |
| 15 | FirstBank | C | 9 | 1 | 66.7% | 10.49% |
| 16 | CMG Mortgage | A | 9 | 7 | 22.2% | 5.75% |
| 17 | Hancock Whitney Bank | B | 8 | 4 | 50.0% | 3.99% |
| 18 | AmeriSave Mortgage | D | 8 | 1 | 87.5% | 4.99% |
| 19 | United Shore Financial Services | B | 8 | 3 | 62.5% | 6.93% |
| 20 | Broker Solutions | D | 8 | 0 | 12.5% | — |
| 21 | MAX Credit Union | C | 6 | 2 | 33.3% | 4.50% |
| 22 | Loandepot.Com | D | 6 | 3 | 0.0% | 6.38% |
| 23 | Crosscountry Mortgage | B | 5 | 2 | 20.0% | 6.50% |
| 24 | Fairway Independent Mortgage | B | 5 | 2 | 40.0% | 6.94% |
| 25 | Freedom Mortgage | B | 5 | 2 | 0.0% | 6.25% |
Best approval odds in Butler County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 78 | 66.7% |
What Butler County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Butler County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 468 | 168 | 37.2% | 7.25% | $95,000 |
| 2024 | 485 | 188 | 31.3% | 7.13% | $105,000 |
| 2025 | 598 | 247 | 31.4% | 6.88% | $105,000 |
Frequently asked questions
31.4% of applications in Butler County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 137 applications in 2025 and a denial rate of 38.0%.
The median mortgage application in Butler County in 2025 was for $105,000; the median property value on originated loans was $175,000.