Largest lenders in Calhoun County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 311 | 57 | 39.6% | 9.36% |
| 2 | Rocket Mortgage | C | 280 | 181 | 20.4% | 6.63% |
| 3 | Regions Bank | C | 273 | 110 | 46.5% | 4.99% |
| 4 | United Shore Financial Services | B | 146 | 108 | 11.0% | 6.49% |
| 5 | Ameris Bank | B | 144 | 134 | 1.4% | 6.25% |
| 6 | Mortgage Research Center | C | 135 | 70 | 13.3% | 6.56% |
| 7 | 21st Mortgage | F | 128 | 33 | 43.8% | 10.00% |
| 8 | Fairway Independent Mortgage | B | 107 | 89 | 2.8% | 6.25% |
| 9 | AmeriSave Mortgage | D | 85 | 14 | 69.4% | 8.38% |
| 10 | Freedom Mortgage | B | 84 | 39 | 9.5% | 6.25% |
| 11 | FirstBank | C | 78 | 28 | 39.7% | 8.62% |
| 12 | Acopia | A | 76 | 65 | 2.6% | 6.38% |
| 13 | Emblem Credit Union | C | 73 | 44 | 30.1% | 7.13% |
| 14 | Pennymac Loan Services | C | 69 | 37 | 8.7% | 6.00% |
| 15 | Success Mortgage Partners | B | 68 | 53 | 0.0% | 6.50% |
| 16 | America'S First | B | 68 | 39 | 23.5% | 5.75% |
| 17 | Newrez | D | 62 | 19 | 21.0% | 6.24% |
| 18 | New Day Financial | F | 61 | 15 | 23.0% | 6.99% |
| 19 | Broker Solutions | D | 61 | 17 | 8.2% | 6.50% |
| 20 | Triad Financial Services | D | 59 | 14 | 27.1% | 8.90% |
| 21 | Loandepot.Com | D | 57 | 22 | 47.4% | 7.56% |
| 22 | SouthPoint Bank | B | 57 | 44 | 1.8% | 6.00% |
| 23 | Kiavi Funding | D | 53 | 2 | 1.9% | 11.35% |
| 24 | Bpl Mortgage Trust | D | 53 | 1 | 5.7% | 8.25% |
| 25 | Truist Bank | C | 50 | 20 | 44.0% | 7.33% |
Best approval odds in Calhoun County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Success Mortgage Partners | 53 | 0.0% |
| 2 | Ameris Bank | 138 | 1.5% |
| 3 | Acopia | 73 | 2.7% |
| 4 | Fairway Independent Mortgage | 93 | 3.2% |
| 5 | Bpl Mortgage Trust | 51 | 5.9% |
| 6 | United Shore Financial Services | 124 | 12.9% |
| 7 | Freedom Mortgage | 52 | 15.4% |
| 8 | Mortgage Research Center | 89 | 20.2% |
| 9 | Rocket Mortgage | 250 | 22.8% |
| 10 | Triad Financial Services | 59 | 27.1% |
What Calhoun County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Calhoun County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,603 | 1,806 | 24.3% | 6.99% | $115,000 |
| 2024 | 3,921 | 1,926 | 25.6% | 6.75% | $125,000 |
| 2025 | 4,247 | 2,155 | 22.0% | 6.50% | $135,000 |
Frequently asked questions
22.0% of applications in Calhoun County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 311 applications in 2025 and a denial rate of 39.6%.
The median mortgage application in Calhoun County in 2025 was for $135,000; the median property value on originated loans was $215,000.