Largest lenders in Lee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 627 | 131 | 40.8% | 7.63% |
| 2 | CMG Mortgage | A | 465 | 392 | 1.3% | 6.50% |
| 3 | Rocket Mortgage | C | 376 | 275 | 14.9% | 6.50% |
| 4 | United Shore Financial Services | B | 247 | 189 | 8.9% | 6.13% |
| 5 | River Bank & Trust | A | 235 | 207 | 2.6% | 7.50% |
| 6 | Mortgage Research Center | C | 214 | 102 | 14.5% | 6.25% |
| 7 | Pennymac Loan Services | C | 210 | 144 | 7.1% | 6.62% |
| 8 | Renasant Bank | B | 209 | 182 | 1.9% | 6.63% |
| 9 | Regions Bank | C | 205 | 98 | 36.1% | 4.99% |
| 10 | Canopy Mortgage | B | 199 | 154 | 0.5% | 6.25% |
| 11 | Freedom Mortgage | B | 198 | 97 | 4.6% | 6.00% |
| 12 | Trustmark National Bank | C | 173 | 158 | 2.3% | 6.50% |
| 13 | Navy Federal Credit Union | D | 151 | 58 | 23.8% | 8.18% |
| 14 | Guild Mortgage | A | 147 | 108 | 0.0% | 6.38% |
| 15 | Crosscountry Mortgage | B | 145 | 104 | 2.8% | 6.63% |
| 16 | SouthState Bank | B | 140 | 86 | 27.1% | 7.15% |
| 17 | 21st Mortgage | F | 129 | 27 | 45.7% | 10.06% |
| 18 | PNC Bank | D | 115 | 63 | 23.5% | 7.76% |
| 19 | ServisFirst Bank | A | 115 | 97 | 2.6% | 6.88% |
| 20 | Movement Mortgage | A | 113 | 69 | 7.1% | 6.25% |
| 21 | MAX Credit Union | C | 112 | 73 | 18.8% | 4.50% |
| 22 | Synovus Bank | D | 108 | 73 | 13.9% | 7.25% |
| 23 | Newrez | D | 102 | 37 | 14.7% | 6.13% |
| 24 | AuburnBank | C | 88 | 76 | 5.7% | — |
| 25 | Cadence Bank | B | 85 | 60 | 12.9% | 7.25% |
Best approval odds in Lee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 120 | 0.0% |
| 2 | Canopy Mortgage | 155 | 0.7% |
| 3 | Amerihome Mortgage Company | 73 | 1.4% |
| 4 | CMG Mortgage | 420 | 1.4% |
| 5 | Coastal Community Bank | 60 | 1.7% |
| 6 | Filo Mortgage | 56 | 1.8% |
| 7 | Renasant Bank | 189 | 2.1% |
| 8 | Trustmark National Bank | 163 | 2.5% |
| 9 | River Bank & Trust | 216 | 2.8% |
| 10 | ServisFirst Bank | 100 | 3.0% |
What Lee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,068 | 3,626 | 18.5% | 6.88% | $195,000 |
| 2024 | 6,769 | 4,064 | 18.0% | 6.63% | $205,000 |
| 2025 | 7,751 | 4,653 | 16.2% | 6.59% | $225,000 |
Frequently asked questions
16.2% of applications in Lee County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 627 applications in 2025 and a denial rate of 40.8%.
The median mortgage application in Lee County in 2025 was for $225,000; the median property value on originated loans was $355,000.