Largest lenders in Lowndes County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 70 | 12 | 51.4% | 11.25% |
| 2 | 21st Mortgage | F | 64 | 14 | 57.8% | 10.45% |
| 3 | Triad Financial Services | D | 13 | 2 | 38.5% | 7.51% |
| 4 | Regions Bank | C | 12 | 5 | 50.0% | 6.25% |
| 5 | Guardian Credit Union | D | 11 | 5 | 27.3% | 7.50% |
| 6 | MAX Credit Union | C | 10 | 5 | 20.0% | 4.50% |
| 7 | Guild Mortgage | A | 10 | 6 | 0.0% | 6.56% |
| 8 | Southwest Stage Funding | F | 10 | 2 | 0.0% | 10.28% |
| 9 | Mortgage Research Center | C | 9 | 4 | 11.1% | 5.87% |
| 10 | FirstBank | C | 8 | 2 | 50.0% | 9.34% |
| 11 | Loandepot.Com | D | 8 | 4 | 50.0% | 6.56% |
| 12 | First Citizens Bank | A | 7 | 6 | 14.3% | — |
| 13 | Cadence Bank | B | 6 | 4 | 0.0% | 7.50% |
| 14 | New Day Financial | F | 6 | 4 | 16.7% | 7.18% |
| 15 | United Shore Financial Services | B | 6 | 3 | 16.7% | 7.13% |
| 16 | Broker Solutions | D | 6 | 0 | 16.7% | — |
| 17 | Crosscountry Mortgage | B | 5 | 2 | 0.0% | 6.29% |
| 18 | Navy Federal Credit Union | D | 5 | 1 | 40.0% | 6.13% |
Best approval odds in Lowndes County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 52 | 71.2% |
What Lowndes County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lowndes County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 282 | 82 | 42.6% | 7.38% | $105,000 |
| 2024 | 302 | 91 | 43.1% | 7.25% | $105,000 |
| 2025 | 345 | 111 | 35.9% | 7.50% | $115,000 |
Frequently asked questions
35.9% of applications in Lowndes County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 70 applications in 2025 and a denial rate of 51.4%.
The median mortgage application in Lowndes County in 2025 was for $115,000; the median property value on originated loans was $195,000.