Largest lenders in Hale County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 89 | 9 | 55.1% | 10.99% |
| 2 | 21st Mortgage | F | 42 | 3 | 61.9% | 12.04% |
| 3 | Peoples Bank of Greensboro | – | 35 | 34 | 0.0% | 7.50% |
| 4 | First Federal Bank, A | B | 23 | 15 | 8.7% | 6.13% |
| 5 | Triad Financial Services | D | 23 | 7 | 39.1% | 8.19% |
| 6 | FirstBank | C | 21 | 5 | 42.9% | 8.35% |
| 7 | Regions Bank | C | 20 | 6 | 55.0% | 4.99% |
| 8 | Alabama One | D | 17 | 12 | 11.8% | 7.31% |
| 9 | Rocket Mortgage | C | 15 | 3 | 40.0% | 6.38% |
| 10 | United Shore Financial Services | B | 11 | 8 | 0.0% | 5.87% |
| 11 | Movement Mortgage | A | 10 | 6 | 0.0% | 6.44% |
| 12 | Pennymac Loan Services | C | 9 | 5 | 33.3% | 6.62% |
| 13 | Newrez | D | 8 | 4 | 12.5% | 7.50% |
| 14 | United Community Bank | B | 7 | 3 | 28.6% | 6.75% |
| 15 | Reliance First Capital | C | 7 | 5 | 0.0% | 6.88% |
| 16 | AmeriSave Mortgage | D | 7 | 1 | 85.7% | 8.75% |
| 17 | Mortgage Research Center | C | 7 | 3 | 28.6% | 6.13% |
| 18 | Equity Prime Mortgage | D | 6 | 4 | 16.7% | 6.63% |
| 19 | Tammac Holdings | D | 5 | 0 | 100.0% | — |
| 20 | Bryant Bank | B | 5 | 5 | 0.0% | 6.75% |
Best approval odds in Hale County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 58 | 84.5% |
What Hale County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hale County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 459 | 189 | 33.1% | 7.25% | $105,000 |
| 2024 | 395 | 177 | 30.9% | 7.25% | $105,000 |
| 2025 | 463 | 189 | 33.1% | 7.00% | $115,000 |
Frequently asked questions
33.1% of applications in Hale County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 89 applications in 2025 and a denial rate of 55.1%.
The median mortgage application in Hale County in 2025 was for $115,000; the median property value on originated loans was $195,000.