Largest lenders in Lamar County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 42 | 4 | 38.1% | 9.95% |
| 2 | Vanderbilt Mortgage and Finance | F | 31 | 4 | 45.2% | 8.89% |
| 3 | Triad Financial Services | D | 30 | 12 | 20.0% | 8.53% |
| 4 | Rocket Mortgage | C | 24 | 18 | 25.0% | 6.99% |
| 5 | First State Bank of the South | – | 16 | 16 | 0.0% | 9.38% |
| 6 | FirstBank | C | 16 | 6 | 31.3% | 9.49% |
| 7 | Leaderone Financial | D | 13 | 8 | 23.1% | 6.69% |
| 8 | Avadian | A | 12 | 7 | 25.0% | 4.99% |
| 9 | Regions Bank | C | 11 | 5 | 36.4% | 6.88% |
| 10 | First National Bank | – | 10 | 10 | 0.0% | 7.94% |
| 11 | Loandepot.Com | D | 9 | 4 | 44.4% | 6.50% |
| 12 | West Alabama Bank & Trust | B | 8 | 8 | 0.0% | — |
| 13 | New Day Financial | F | 7 | 0 | 28.6% | — |
| 14 | Freedom Mortgage | B | 7 | 3 | 14.3% | 6.63% |
| 15 | AmeriSave Mortgage | D | 6 | 0 | 50.0% | — |
| 16 | Mortgage Research Center | C | 6 | 4 | 16.7% | 5.93% |
| 17 | Consumer First Mortgage | C | 5 | 5 | 0.0% | 6.63% |
| 18 | Towne Mortgage | B | 5 | 5 | 0.0% | 7.25% |
| 19 | Nationstar Mortgage | C | 5 | 4 | 20.0% | 7.75% |
| 20 | Renasant Bank | B | 5 | 2 | 20.0% | 6.62% |
| 21 | Southwest Stage Funding | F | 5 | 3 | 20.0% | 8.90% |
What Lamar County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lamar County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 292 | 147 | 25.7% | 7.43% | $105,000 |
| 2024 | 294 | 136 | 27.2% | 7.25% | $95,000 |
| 2025 | 370 | 174 | 24.6% | 7.00% | $105,000 |
Frequently asked questions
24.6% of applications in Lamar County were denied in 2025, against 19.9% statewide in Alabama.
21st Mortgage, with 42 applications in 2025 and a denial rate of 38.1%.
The median mortgage application in Lamar County in 2025 was for $105,000; the median property value on originated loans was $155,000.