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Coffee County, Alabama · 2025

Mortgage lenders in Coffee County, AL: denial rates and top lenders (2025)

199 lenders acted on 2,664 mortgage applications for properties in Coffee County in 2025. 17.7% were denied (Alabama: 19.9%). Median rate on closed loans 6.50%; median loan $175,000; median property value $265,000.

2.7kApplications
17.7%Denial ratestate 19.9%
6.50%Median ratestate 6.50%
$175,000Median loan
$265,000Median property value

Largest lenders in Coffee County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Mortgage Research Center C 302185 7.6%6.25%
2 All in Federal Credit Union D 264155 31.1%8.25%
3 United Shore Financial Services B 138102 11.6%5.99%
4 CMG Mortgage A 12994 3.9%6.50%
5 Navy Federal Credit Union D 12964 21.7%6.25%
6 Rocket Mortgage C 11479 18.4%6.50%
7 Freedom Mortgage B 9042 7.8%6.25%
8 Pennymac Loan Services C 8848 9.1%6.06%
9 Movement Mortgage A 8069 1.3%6.75%
10 River Bank & Trust A 7570 4.0%6.81%
11 21st Mortgage F 6914 43.5%9.69%
12 Vanderbilt Mortgage and Finance F 5710 43.9%9.25%
13 BankPlus B 3731 8.1%6.88%
14 Fairway Independent Mortgage B 3624 8.3%6.63%
15 New Day Financial F 358 20.0%7.06%
16 Newrez D 3515 20.0%6.25%
17 USAA Federal Savings Bank C 3212 28.1%6.50%
18 Regions Bank C 2913 41.4%6.88%
19 Troy Bank and Trust B 2923 13.8%7.75%
20 Spring Eq D 288 46.4%11.54%
21 Lakeview Loan Servicing C 279 63.0%5.75%
22 Loandepot.Com D 2611 30.8%6.99%
23 Assurance Financial Group C 2617 15.4%6.13%
24 Wells Fargo Bank B 2514 24.0%6.38%
25 AmeriSave Mortgage D 255 60.0%6.99%

Best approval odds in Coffee County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Movement Mortgage721.4%
2River Bank & Trust734.1%
3CMG Mortgage1114.5%
4Mortgage Research Center21011.0%
5Freedom Mortgage5712.3%
6United Shore Financial Services12313.0%
7Pennymac Loan Services5714.0%
8Rocket Mortgage10719.6%
9Navy Federal Credit Union9230.4%
10All in Federal Credit Union25931.7%

What Coffee County borrowers applied for

By loan purpose

Home purchase 1,233 46% · 11.5% denied
Refinance 511 19% · 10.8% denied
Cash-out refinance 444 17% · 27.5% denied
Home improvement 179 7% · 27.9% denied
Other / HELOC 297 11% · 34.3% denied

By loan type

Conventional 1,376 52% · 24.1% denied
FHA 255 10% · 18.4% denied
VA 990 37% · 8.9% denied
USDA / RHS 43 2% · 11.6% denied

Why applications were denied

Credit history 133 28%
Other 76 16%
Incomplete application 75 16%
Debt-to-income ratio 69 15%
Collateral 62 13%
Unverifiable information 28 6%
Insufficient cash 18 4%
Employment history 7 1%

Coffee County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0791,20917.3%6.99%$165,000
20242,2691,31916.6%6.75%$165,000
20252,6641,55117.7%6.50%$175,000

Frequently asked questions

17.7% of applications in Coffee County were denied in 2025, against 19.9% statewide in Alabama.

Mortgage Research Center, with 302 applications in 2025 and a denial rate of 7.6%.

The median mortgage application in Coffee County in 2025 was for $175,000; the median property value on originated loans was $265,000.