Largest lenders in Dale County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | All in Federal Credit Union | D | 176 | 83 | 39.8% | 7.50% |
| 2 | Mortgage Research Center | C | 151 | 82 | 12.6% | 6.50% |
| 3 | Rocket Mortgage | C | 79 | 45 | 25.3% | 6.25% |
| 4 | 21st Mortgage | F | 61 | 10 | 57.4% | 8.79% |
| 5 | Vanderbilt Mortgage and Finance | F | 56 | 14 | 30.4% | 10.75% |
| 6 | Navy Federal Credit Union | D | 53 | 29 | 13.2% | 6.13% |
| 7 | United Shore Financial Services | B | 51 | 28 | 19.6% | 6.00% |
| 8 | Movement Mortgage | A | 51 | 38 | 5.9% | 6.63% |
| 9 | CMG Mortgage | A | 49 | 36 | 4.1% | 6.63% |
| 10 | Pennymac Loan Services | C | 48 | 23 | 8.3% | 6.13% |
| 11 | New Day Financial | F | 44 | 7 | 25.0% | 6.49% |
| 12 | Freedom Mortgage | B | 40 | 16 | 5.0% | 6.38% |
| 13 | Five Star Credit Union | D | 39 | 19 | 33.3% | — |
| 14 | Regions Bank | C | 30 | 13 | 43.3% | 6.75% |
| 15 | PeoplesSouth Bank | A | 28 | 26 | 7.1% | 7.50% |
| 16 | Newrez | D | 25 | 7 | 8.0% | 6.75% |
| 17 | Fairway Independent Mortgage | B | 24 | 18 | 0.0% | 6.75% |
| 18 | Southwest Funding | C | 24 | 21 | 0.0% | 6.99% |
| 19 | Interlinc Mortgage Services | B | 23 | 20 | 0.0% | 6.88% |
| 20 | Synovus Bank | D | 21 | 11 | 14.3% | 6.88% |
| 21 | BankPlus | B | 20 | 17 | 5.0% | 7.00% |
| 22 | Loandepot.Com | D | 20 | 10 | 25.0% | 6.31% |
| 23 | Assurance Financial Group | C | 19 | 13 | 10.5% | 6.63% |
| 24 | Crosscountry Mortgage | B | 18 | 8 | 11.1% | 6.10% |
| 25 | American Financial Resources | B | 18 | 13 | 5.6% | 6.13% |
Best approval odds in Dale County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Mortgage Research Center | 101 | 18.8% |
| 2 | Rocket Mortgage | 70 | 28.6% |
| 3 | All in Federal Credit Union | 171 | 40.9% |
What Dale County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dale County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,412 | 736 | 22.8% | 7.00% | $135,000 |
| 2024 | 1,589 | 860 | 20.6% | 6.88% | $135,000 |
| 2025 | 1,761 | 917 | 21.7% | 6.75% | $145,000 |
Frequently asked questions
21.7% of applications in Dale County were denied in 2025, against 19.9% statewide in Alabama.
All in Federal Credit Union, with 176 applications in 2025 and a denial rate of 39.8%.
The median mortgage application in Dale County in 2025 was for $145,000; the median property value on originated loans was $205,000.