Largest lenders in Etowah County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Regions Bank | C | 249 | 114 | 43.0% | 5.94% |
| 2 | Family Savings Credit Union | B | 196 | 154 | 12.2% | 7.75% |
| 3 | Emblem Credit Union | C | 195 | 124 | 23.6% | 7.25% |
| 4 | Rocket Mortgage | C | 178 | 120 | 23.6% | 6.63% |
| 5 | Vanderbilt Mortgage and Finance | F | 160 | 21 | 41.9% | 9.99% |
| 6 | 21st Mortgage | F | 108 | 22 | 49.1% | 10.14% |
| 7 | Guild Mortgage | A | 99 | 58 | 7.1% | 6.50% |
| 8 | Kind Lending | C | 96 | 69 | 13.5% | 6.63% |
| 9 | First Federal Bank, A | B | 95 | 74 | 4.2% | 6.00% |
| 10 | United Shore Financial Services | B | 94 | 61 | 10.6% | 6.25% |
| 11 | Renasant Bank | B | 91 | 80 | 8.8% | 6.25% |
| 12 | Towne Mortgage | B | 83 | 68 | 4.8% | 6.43% |
| 13 | Mortgage Research Center | C | 80 | 39 | 26.3% | 6.25% |
| 14 | Pennymac Loan Services | C | 67 | 31 | 11.9% | 6.50% |
| 15 | Broker Solutions | D | 67 | 32 | 13.4% | 6.56% |
| 16 | Movement Mortgage | A | 67 | 46 | 0.0% | 6.38% |
| 17 | Stockton Mortgage | D | 66 | 48 | 3.0% | 6.69% |
| 18 | Freedom Mortgage | B | 63 | 31 | 6.4% | 6.25% |
| 19 | AmeriSave Mortgage | D | 52 | 8 | 61.5% | 7.63% |
| 20 | Coastal Community Bank | C | 51 | 15 | 2.0% | 11.49% |
| 21 | The Exchange Bank of Alabama | – | 48 | 38 | 18.8% | — |
| 22 | Metro Bank | B | 47 | 38 | 4.3% | — |
| 23 | Loandepot.Com | D | 45 | 18 | 35.6% | 7.06% |
| 24 | Unnamed lender 98450062C847FDDA7405 | F | 44 | 21 | 27.3% | — |
| 25 | Mortgage Investors Group | B | 44 | 37 | 0.0% | 6.50% |
Best approval odds in Etowah County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Movement Mortgage | 60 | 0.0% |
| 2 | Stockton Mortgage | 50 | 4.0% |
| 3 | Towne Mortgage | 79 | 5.1% |
| 4 | First Federal Bank, A | 78 | 5.1% |
| 5 | Renasant Bank | 88 | 9.1% |
| 6 | Guild Mortgage | 71 | 9.9% |
| 7 | Family Savings Credit Union | 195 | 12.3% |
| 8 | United Shore Financial Services | 72 | 13.9% |
| 9 | Kind Lending | 82 | 15.9% |
| 10 | Emblem Credit Union | 193 | 23.8% |
What Etowah County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Etowah County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,133 | 1,751 | 21.3% | 6.99% | $115,000 |
| 2024 | 3,412 | 1,895 | 21.0% | 6.88% | $125,000 |
| 2025 | 3,656 | 2,052 | 20.7% | 6.62% | $135,000 |
Frequently asked questions
20.7% of applications in Etowah County were denied in 2025, against 19.9% statewide in Alabama.
Regions Bank, with 249 applications in 2025 and a denial rate of 43.0%.
The median mortgage application in Etowah County in 2025 was for $135,000; the median property value on originated loans was $235,000.