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Macon County, Alabama · 2025

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

104 lenders acted on 521 mortgage applications for properties in Macon County in 2025. 40.3% were denied (Alabama: 19.9%). Median rate on closed loans 7.15%; median loan $105,000; median property value $185,000.

521Applications
40.3%Denial ratestate 19.9%
7.15%Median ratestate 6.50%
$105,000Median loan
$185,000Median property value

Largest lenders in Macon County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 8519 56.5%10.54%
2 Vanderbilt Mortgage and Finance F 547 42.6%9.75%
3 Rocket Mortgage C 2918 27.6%6.99%
4 PNC Bank D 238 39.1%7.64%
5 Regions Bank C 195 52.6%4.99%
6 Guardian Credit Union D 172 82.4%8.38%
7 Mortgage Research Center C 154 26.7%6.44%
8 Loandepot.Com D 157 46.7%7.25%
9 Navy Federal Credit Union D 123 50.0%7.65%
10 AmeriSave Mortgage D 100 100.0%—
11 Spring Eq D 100 80.0%—
12 United Shore Financial Services B 105 40.0%6.88%
13 MAX Credit Union C 94 44.4%4.50%
14 Cadence Bank B 84 37.5%6.71%
15 Crosscountry Mortgage B 82 0.0%6.91%
16 Newrez D 80 50.0%—
17 Triad Financial Services D 83 50.0%8.53%
18 Pennymac Loan Services C 72 14.3%7.81%
19 New Day Financial F 60 16.7%—
20 CMG Mortgage A 66 0.0%6.50%
21 Lima One Capital F 61 33.3%7.60%
22 Champions Funding F 54 0.0%7.63%
23 Broker Solutions D 52 40.0%7.00%
24 Coastal Community Bank C 51 0.0%14.99%
25 Trustmark National Bank C 54 20.0%5.69%

Best approval odds in Macon County

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

#LenderDecidedDecision denial rate
121st Mortgage6870.6%

What Macon County borrowers applied for

By loan purpose

Home purchase 246 47% · 39.0% denied
Refinance 70 13% · 24.3% denied
Cash-out refinance 119 23% · 45.4% denied
Home improvement 46 9% · 56.5% denied
Other / HELOC 40 8% · 42.5% denied

By loan type

Conventional 411 79% · 43.3% denied
FHA 61 12% · 36.1% denied
VA 44 8% · 22.7% denied
USDA / RHS 5 1% · 0.0% denied

Why applications were denied

Credit history 100 48%
Debt-to-income ratio 32 15%
Incomplete application 27 13%
Collateral 23 11%
Other 10 5%
Unverifiable information 10 5%
Insufficient cash 4 2%
Employment history 3 1%

Macon County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202347114040.8%7.00%$85,000
202451617139.7%7.63%$95,000
202552117040.3%7.15%$105,000

Frequently asked questions

40.3% of applications in Macon County were denied in 2025, against 19.9% statewide in Alabama.

21st Mortgage, with 85 applications in 2025 and a denial rate of 56.5%.

The median mortgage application in Macon County in 2025 was for $105,000; the median property value on originated loans was $185,000.