Largest lenders in Clarke County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 126 | 19 | 53.2% | 10.52% |
| 2 | Cadence Bank | B | 65 | 44 | 24.6% | 7.06% |
| 3 | Vanderbilt Mortgage and Finance | F | 44 | 4 | 50.0% | 11.00% |
| 4 | Triad Financial Services | D | 36 | 13 | 25.0% | 8.90% |
| 5 | Rocket Mortgage | C | 33 | 23 | 24.2% | 6.50% |
| 6 | Regions Bank | C | 31 | 9 | 51.6% | 6.75% |
| 7 | Plains Commerce Bank | B | 31 | 23 | 6.5% | 6.50% |
| 8 | Mortgage Research Center | C | 19 | 10 | 26.3% | 6.56% |
| 9 | Freedom Mortgage | B | 11 | 1 | 9.1% | 6.75% |
| 10 | United Shore Financial Services | B | 11 | 8 | 9.1% | 6.63% |
| 11 | FirstBank | C | 10 | 2 | 30.0% | 8.87% |
| 12 | Newrez | D | 10 | 5 | 30.0% | 6.25% |
| 13 | SmartBank | B | 9 | 7 | 0.0% | 7.75% |
| 14 | Broker Solutions | D | 8 | 2 | 12.5% | 7.13% |
| 15 | Movement Mortgage | A | 8 | 5 | 0.0% | 6.75% |
| 16 | Pennymac Loan Services | C | 7 | 4 | 0.0% | 5.99% |
| 17 | AmeriSave Mortgage | D | 7 | 2 | 71.4% | 6.69% |
| 18 | Spring Eq | D | 7 | 2 | 71.4% | 10.36% |
| 19 | Loandepot.Com | D | 7 | 2 | 71.4% | 6.31% |
| 20 | New Day Financial | F | 6 | 1 | 16.7% | 6.75% |
| 21 | First US Bank | – | 5 | 4 | 0.0% | — |
| 22 | Crosscountry Mortgage | B | 5 | 2 | 20.0% | 6.35% |
| 23 | Southwest Stage Funding | F | 5 | 0 | 0.0% | — |
| 24 | Trustmark National Bank | C | 5 | 3 | 0.0% | 7.13% |
Best approval odds in Clarke County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cadence Bank | 60 | 26.7% |
| 2 | 21st Mortgage | 86 | 77.9% |
What Clarke County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clarke County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 525 | 196 | 36.0% | 7.00% | $105,000 |
| 2024 | 548 | 235 | 33.4% | 7.13% | $105,000 |
| 2025 | 629 | 271 | 30.4% | 6.88% | $115,000 |
Frequently asked questions
30.4% of applications in Clarke County were denied in 2025, against 19.9% statewide in Alabama.
21st Mortgage, with 126 applications in 2025 and a denial rate of 53.2%.
The median mortgage application in Clarke County in 2025 was for $115,000; the median property value on originated loans was $175,000.