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Jefferson County, Alabama · 2025

Mortgage lenders in Jefferson County, AL: denial rates and top lenders (2025)

505 lenders acted on 25,473 mortgage applications for properties in Jefferson County in 2025. 19.3% were denied (Alabama: 19.9%). Median rate on closed loans 6.50%; median loan $155,000; median property value $295,000.

25kApplications
19.3%Denial ratestate 19.9%
6.50%Median ratestate 6.50%
$155,000Median loan
$295,000Median property value

Largest lenders in Jefferson County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Regions Bank C 2,5091,098 38.5%4.99%
2 United Shore Financial Services B 1,109793 13.5%6.25%
3 America'S First B 1,077738 16.6%5.75%
4 Rocket Mortgage C 1,019674 22.5%6.88%
5 Cadence Bank B 702510 13.0%6.67%
6 Fairway Independent Mortgage B 632489 3.3%6.63%
7 SouthState Bank B 591393 16.8%6.38%
8 PNC Bank D 502245 33.3%7.69%
9 Kiavi Funding D 496176 3.8%7.38%
10 Avadian A 458330 21.6%4.99%
11 Renasant Bank B 424316 8.3%6.63%
12 FirstBank C 422317 10.9%6.25%
13 Mortgage Research Center C 404159 21.5%6.50%
14 Freedom Mortgage B 386150 10.9%6.25%
15 Pennymac Loan Services C 377183 10.9%6.50%
16 Trustmark National Bank C 371269 10.5%6.38%
17 Broker Solutions D 350117 11.4%6.81%
18 Loandepot.Com D 348154 33.6%6.56%
19 Guild Mortgage A 346230 3.5%6.50%
20 Synovus Bank D 335233 14.6%7.25%
21 Newrez D 31593 21.3%6.75%
22 AmeriSave Mortgage D 30057 69.0%7.38%
23 Navy Federal Credit Union D 286121 26.6%7.38%
24 Union Home Mortgage B 281211 5.3%6.63%
25 Loan Funder F 266144 9.4%7.72%

Best approval odds in Jefferson County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Eco Credit Union600.0%
2Fbc Mortgage540.0%
3Canopy Mortgage1080.0%
4River Bank & Trust882.3%
5Mortgage Right802.5%
6SouthPoint Bank1343.7%
7Crosscountry Mortgage1033.9%
8Fairway Independent Mortgage5124.1%
9Guild Mortgage2634.6%
10The Loan Store1294.7%

What Jefferson County borrowers applied for

By loan purpose

Home purchase 11,138 44% · 10.4% denied
Refinance 3,935 15% · 16.8% denied
Cash-out refinance 4,450 17% · 26.1% denied
Home improvement 2,755 11% · 34.1% denied
Other / HELOC 3,195 13% · 31.1% denied

By loan type

Conventional 19,040 75% · 19.5% denied
FHA 4,382 17% · 19.6% denied
VA 1,975 8% · 16.6% denied
USDA / RHS 76 0% · 17.1% denied

Why applications were denied

Credit history 1,701 35%
Debt-to-income ratio 1,145 23%
Collateral 780 16%
Incomplete application 551 11%
Other 374 8%
Unverifiable information 191 4%
Insufficient cash 115 2%
Employment history 34 1%
Mortgage insurance denied 2 0%

Jefferson County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202322,07812,31720.2%6.88%$145,000
202423,57113,22519.9%6.88%$155,000
202525,47314,24419.3%6.50%$155,000

Frequently asked questions

19.3% of applications in Jefferson County were denied in 2025, against 19.9% statewide in Alabama.

Regions Bank, with 2,509 applications in 2025 and a denial rate of 38.5%.

The median mortgage application in Jefferson County in 2025 was for $155,000; the median property value on originated loans was $295,000.