Largest lenders in Chilton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 201 | 26 | 45.8% | 10.38% |
| 2 | 21st Mortgage | F | 155 | 38 | 45.2% | 10.24% |
| 3 | Hamilton Mortgage | B | 142 | 115 | 0.0% | 6.50% |
| 4 | Regions Bank | C | 106 | 54 | 34.9% | 5.94% |
| 5 | River Bank & Trust | A | 100 | 86 | 7.0% | 6.97% |
| 6 | FirstBank | C | 97 | 51 | 21.7% | 6.50% |
| 7 | Rocket Mortgage | C | 67 | 49 | 17.9% | 6.50% |
| 8 | United Shore Financial Services | B | 56 | 41 | 12.5% | 6.00% |
| 9 | Guild Mortgage | A | 56 | 32 | 0.0% | 6.44% |
| 10 | Apco Employees | C | 48 | 33 | 31.3% | 6.00% |
| 11 | Guardian Credit Union | D | 44 | 21 | 45.5% | 7.50% |
| 12 | Triad Financial Services | D | 41 | 14 | 17.1% | 8.60% |
| 13 | Mortgage Research Center | C | 36 | 14 | 25.0% | 6.44% |
| 14 | Freedom Mortgage | B | 34 | 18 | 17.7% | 6.25% |
| 15 | Newrez | D | 28 | 9 | 25.0% | 5.99% |
| 16 | Pennymac Loan Services | C | 25 | 13 | 20.0% | 6.88% |
| 17 | Truist Bank | C | 25 | 10 | 44.0% | 6.52% |
| 18 | Southwest Stage Funding | F | 25 | 11 | 0.0% | 8.15% |
| 19 | AmeriSave Mortgage | D | 24 | 9 | 54.2% | 7.75% |
| 20 | Broker Solutions | D | 22 | 11 | 4.6% | 6.75% |
| 21 | Emporium TPO | C | 20 | 0 | 0.0% | — |
| 22 | Central State Bank | B | 20 | 18 | 5.0% | — |
| 23 | Homexpress Mortgage | C | 19 | 11 | 10.5% | 8.38% |
| 24 | Prosperity Home Mortgage | A | 19 | 12 | 31.6% | 6.38% |
| 25 | America'S First | B | 18 | 12 | 22.2% | 7.00% |
Best approval odds in Chilton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Hamilton Mortgage | 117 | 0.0% |
| 2 | River Bank & Trust | 93 | 7.5% |
| 3 | United Shore Financial Services | 50 | 14.0% |
| 4 | Rocket Mortgage | 62 | 19.4% |
| 5 | FirstBank | 86 | 24.4% |
| 6 | Regions Bank | 96 | 38.5% |
| 7 | 21st Mortgage | 109 | 64.2% |
| 8 | Vanderbilt Mortgage and Finance | 120 | 76.7% |
What Chilton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Chilton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,751 | 826 | 27.6% | 6.95% | $125,000 |
| 2024 | 1,711 | 832 | 26.9% | 6.88% | $125,000 |
| 2025 | 1,969 | 1,011 | 22.4% | 6.63% | $135,000 |
Frequently asked questions
22.4% of applications in Chilton County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 201 applications in 2025 and a denial rate of 45.8%.
The median mortgage application in Chilton County in 2025 was for $135,000; the median property value on originated loans was $235,000.