Largest lenders in Chambers County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 102 | 11 | 42.2% | 9.99% |
| 2 | Rocket Mortgage | C | 66 | 38 | 30.3% | 6.81% |
| 3 | SouthState Bank | B | 47 | 28 | 29.8% | 7.15% |
| 4 | Equity Prime Mortgage | D | 47 | 26 | 2.1% | 6.25% |
| 5 | United Shore Financial Services | B | 41 | 30 | 7.3% | 6.50% |
| 6 | 21st Mortgage | F | 30 | 9 | 43.3% | 9.81% |
| 7 | Freedom Mortgage | B | 23 | 12 | 13.0% | 6.25% |
| 8 | Pennymac Loan Services | C | 22 | 11 | 9.1% | 6.62% |
| 9 | Ameris Bank | B | 22 | 16 | 0.0% | 6.75% |
| 10 | CMG Mortgage | A | 22 | 14 | 13.6% | 6.25% |
| 11 | Loandepot.Com | D | 22 | 10 | 18.2% | 6.94% |
| 12 | Movement Mortgage | A | 21 | 12 | 4.8% | 6.69% |
| 13 | AmeriSave Mortgage | D | 20 | 5 | 55.0% | 8.38% |
| 14 | Mortgage Research Center | C | 20 | 8 | 35.0% | 6.44% |
| 15 | Navy Federal Credit Union | D | 20 | 8 | 25.0% | 6.00% |
| 16 | AuburnBank | C | 19 | 12 | 21.1% | — |
| 17 | Magnolia Bank | C | 18 | 16 | 0.0% | 6.25% |
| 18 | New Day Financial | F | 17 | 2 | 41.2% | 6.68% |
| 19 | Crosscountry Mortgage | B | 16 | 12 | 6.3% | 6.75% |
| 20 | River Bank & Trust | A | 16 | 13 | 6.3% | 8.50% |
| 21 | Broker Solutions | D | 15 | 3 | 20.0% | 7.25% |
| 22 | Alabama One | D | 14 | 12 | 7.1% | 7.44% |
| 23 | Newrez | D | 14 | 3 | 14.3% | 6.99% |
| 24 | Capital City Bank | B | 14 | 10 | 21.4% | 6.99% |
| 25 | PNC Bank | D | 13 | 7 | 30.8% | 8.01% |
Best approval odds in Chambers County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 61 | 32.8% |
| 2 | Vanderbilt Mortgage and Finance | 57 | 75.4% |
What Chambers County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Chambers County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 950 | 399 | 29.8% | 6.99% | $115,000 |
| 2024 | 1,031 | 483 | 25.2% | 6.75% | $125,000 |
| 2025 | 1,071 | 523 | 23.0% | 6.75% | $135,000 |
Frequently asked questions
23.0% of applications in Chambers County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 102 applications in 2025 and a denial rate of 42.2%.
The median mortgage application in Chambers County in 2025 was for $135,000; the median property value on originated loans was $205,000.