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Limestone County, Alabama · 2025

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

296 lenders acted on 6,626 mortgage applications for properties in Limestone County in 2025. 15.1% were denied (Alabama: 19.9%). Median rate on closed loans 6.25%; median loan $235,000; median property value $325,000.

6.6kApplications
15.1%Denial ratestate 19.9%
6.25%Median ratestate 6.50%
$235,000Median loan
$325,000Median property value

Largest lenders in Limestone County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 REDSTONE Federal Credit Union C 609375 19.7%8.13%
2 United Shore Financial Services B 339265 7.1%6.12%
3 Rocket Mortgage C 325225 19.7%6.63%
4 Regions Bank C 294136 36.1%4.99%
5 Lennar Mortgage A 251198 14.3%4.75%
6 Vanderbilt Mortgage and Finance F 21048 29.1%7.53%
7 Dhi Mortgage Company B 188132 8.5%4.99%
8 Freedom Mortgage B 15999 6.3%5.88%
9 Mortgage Research Center C 15065 23.3%6.13%
10 Trustmark National Bank C 149124 7.4%6.13%
11 Heritage Mortgage A 143116 0.0%6.00%
12 Pennymac Loan Services C 13662 11.0%6.00%
13 Loandepot.Com D 13493 15.7%5.75%
14 Dsld Mortgage A 10682 2.8%5.99%
15 Synovus Bank D 10078 6.0%6.25%
16 Bank Independent B 9567 10.5%6.50%
17 FirstBank C 9480 2.1%6.25%
18 Navy Federal Credit Union D 9459 11.7%6.38%
19 PNC Bank D 9143 33.0%7.76%
20 Stockton Mortgage D 9072 1.1%6.25%
21 Newrez D 8928 7.9%6.25%
22 Canopy Mortgage B 8661 0.0%5.99%
23 Movement Mortgage A 8065 1.3%6.25%
24 Broker Solutions D 7730 9.1%6.81%
25 21st Mortgage F 7017 47.1%10.98%

Best approval odds in Limestone County

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

#LenderDecidedDecision denial rate
1Canopy Mortgage620.0%
2Heritage Mortgage1160.0%
3Movement Mortgage761.3%
4Stockton Mortgage751.3%
5FirstBank852.4%
6Dsld Mortgage853.5%
7Synovus Bank847.1%
8Freedom Mortgage1258.0%
9Trustmark National Bank1378.0%
10United Shore Financial Services2948.2%

What Limestone County borrowers applied for

By loan purpose

Home purchase 3,569 54% · 9.8% denied
Refinance 1,017 15% · 11.0% denied
Cash-out refinance 943 14% · 23.1% denied
Home improvement 468 7% · 31.0% denied
Other / HELOC 629 9% · 28.0% denied

By loan type

Conventional 4,033 61% · 17.1% denied
FHA 1,262 19% · 13.8% denied
VA 1,158 17% · 10.8% denied
USDA / RHS 173 3% · 6.4% denied

Why applications were denied

Credit history 360 36%
Debt-to-income ratio 221 22%
Collateral 154 16%
Incomplete application 112 11%
Other 90 9%
Unverifiable information 33 3%
Employment history 11 1%
Insufficient cash 10 1%

Limestone County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20235,3413,27516.6%6.63%$205,000
20246,2593,93316.4%6.50%$225,000
20256,6264,07515.1%6.25%$235,000

Frequently asked questions

15.1% of applications in Limestone County were denied in 2025, against 19.9% statewide in Alabama.

REDSTONE Federal Credit Union, with 609 applications in 2025 and a denial rate of 19.7%.

The median mortgage application in Limestone County in 2025 was for $235,000; the median property value on originated loans was $325,000.