Largest lenders in Escambia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 125 | 31 | 37.6% | 9.64% |
| 2 | Rocket Mortgage | C | 74 | 51 | 16.2% | 6.49% |
| 3 | Vanderbilt Mortgage and Finance | F | 60 | 16 | 41.7% | 10.87% |
| 4 | Regions Bank | C | 57 | 23 | 45.6% | 6.50% |
| 5 | Gulf Winds Credit Union | F | 57 | 21 | 22.8% | 7.75% |
| 6 | Fairway Independent Mortgage | B | 53 | 38 | 11.3% | 6.49% |
| 7 | Navy Federal Credit Union | D | 40 | 12 | 37.5% | 7.25% |
| 8 | FirstBank | C | 27 | 6 | 48.2% | 9.02% |
| 9 | Trustmark National Bank | C | 26 | 21 | 15.4% | 7.00% |
| 10 | Triad Financial Services | D | 25 | 7 | 24.0% | 7.98% |
| 11 | Mortgage Research Center | C | 24 | 15 | 29.2% | 6.25% |
| 12 | Alabama One | D | 20 | 9 | 40.0% | 7.00% |
| 13 | United Shore Financial Services | B | 20 | 18 | 5.0% | 6.37% |
| 14 | First Suncoast Trust BancShares | – | 20 | 20 | 0.0% | — |
| 15 | AmeriSave Mortgage | D | 19 | 5 | 63.2% | 6.63% |
| 16 | Freedom Mortgage | B | 18 | 7 | 16.7% | 6.25% |
| 17 | Broker Solutions | D | 18 | 4 | 11.1% | 6.56% |
| 18 | Truist Bank | C | 17 | 10 | 29.4% | 6.27% |
| 19 | United Bank | D | 14 | 9 | 21.4% | — |
| 20 | New Day Financial | F | 13 | 1 | 23.1% | 6.99% |
| 21 | Stockton Mortgage | D | 11 | 7 | 0.0% | 6.63% |
| 22 | All in Federal Credit Union | D | 11 | 5 | 45.5% | 7.00% |
| 23 | Loandepot.Com | D | 10 | 3 | 70.0% | 8.25% |
| 24 | Ark-La-Tex Financial Services, LLC. | A | 10 | 10 | 0.0% | 6.38% |
| 25 | Figure Lending | C | 9 | 3 | 33.3% | 8.90% |
Best approval odds in Escambia County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rocket Mortgage | 64 | 18.8% |
| 2 | Regions Bank | 53 | 49.1% |
| 3 | 21st Mortgage | 80 | 58.8% |
What Escambia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Escambia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,002 | 446 | 29.6% | 6.99% | $115,000 |
| 2024 | 922 | 449 | 25.4% | 6.88% | $125,000 |
| 2025 | 1,072 | 506 | 25.8% | 6.75% | $125,000 |
Frequently asked questions
25.8% of applications in Escambia County were denied in 2025, against 19.9% statewide in Alabama.
21st Mortgage, with 125 applications in 2025 and a denial rate of 37.6%.
The median mortgage application in Escambia County in 2025 was for $125,000; the median property value on originated loans was $205,000.