Largest lenders in Fayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 67 | 13 | 41.8% | 10.50% |
| 2 | 21st Mortgage | F | 40 | 9 | 37.5% | 10.05% |
| 3 | Regions Bank | C | 38 | 18 | 42.1% | 6.81% |
| 4 | Leaderone Financial | D | 36 | 18 | 16.7% | 6.75% |
| 5 | Rocket Mortgage | C | 30 | 13 | 40.0% | 6.99% |
| 6 | Triad Financial Services | D | 29 | 17 | 13.8% | 8.23% |
| 7 | First Federal Bank, A | B | 28 | 21 | 10.7% | 6.13% |
| 8 | Alabama One | D | 27 | 22 | 3.7% | 7.44% |
| 9 | BankFirst Financial Services | A | 25 | 21 | 12.0% | 7.00% |
| 10 | Movement Mortgage | A | 17 | 12 | 0.0% | 6.56% |
| 11 | United Shore Financial Services | B | 16 | 8 | 18.8% | 5.69% |
| 12 | Mortgage Research Center | C | 14 | 8 | 14.3% | 6.31% |
| 13 | FirstBank | C | 13 | 4 | 38.5% | 7.95% |
| 14 | Loandepot.Com | D | 9 | 4 | 33.3% | 6.81% |
| 15 | Equity Prime Mortgage | D | 8 | 3 | 12.5% | 6.25% |
| 16 | Southwest Stage Funding | F | 7 | 2 | 0.0% | 9.65% |
| 17 | Pennymac Loan Services | C | 6 | 3 | 33.3% | 6.25% |
| 18 | Consumer First Mortgage | C | 5 | 5 | 0.0% | 6.63% |
| 19 | Moria Development | B | 5 | 4 | 20.0% | 6.44% |
| 20 | Freedom Mortgage | B | 5 | 3 | 20.0% | 6.25% |
| 21 | West Alabama Bank & Trust | B | 5 | 5 | 0.0% | — |
| 22 | Prosperity Home Mortgage | A | 5 | 2 | 20.0% | 6.63% |
What Fayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 438 | 182 | 32.4% | 7.00% | $105,000 |
| 2024 | 480 | 214 | 29.6% | 6.99% | $115,000 |
| 2025 | 578 | 285 | 23.7% | 6.75% | $125,000 |
Frequently asked questions
23.7% of applications in Fayette County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 67 applications in 2025 and a denial rate of 41.8%.
The median mortgage application in Fayette County in 2025 was for $125,000; the median property value on originated loans was $205,000.