Largest lenders in Randolph County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 85 | 11 | 48.2% | 9.50% |
| 2 | 21st Mortgage | F | 56 | 18 | 41.1% | 9.50% |
| 3 | First Bank of Alabama | B | 49 | 36 | 14.3% | — |
| 4 | United Shore Financial Services | B | 42 | 29 | 11.9% | 6.50% |
| 5 | Rocket Mortgage | C | 41 | 29 | 17.1% | 6.63% |
| 6 | FirstBank | C | 36 | 21 | 33.3% | 7.75% |
| 7 | Alabama One | D | 24 | 14 | 29.2% | 6.63% |
| 8 | Magnolia Bank | C | 20 | 15 | 15.0% | 6.49% |
| 9 | Freedom Mortgage | B | 19 | 9 | 10.5% | 6.25% |
| 10 | AmeriSave Mortgage | D | 18 | 2 | 88.9% | 6.50% |
| 11 | Pennymac Loan Services | C | 17 | 9 | 11.8% | 6.25% |
| 12 | Truist Bank | C | 17 | 8 | 41.2% | 5.84% |
| 13 | Loandepot.Com | D | 16 | 8 | 25.0% | 6.75% |
| 14 | Navy Federal Credit Union | D | 15 | 4 | 20.0% | 6.00% |
| 15 | Newrez | D | 14 | 2 | 21.4% | 7.13% |
| 16 | Mortgage Research Center | C | 14 | 5 | 28.6% | 6.50% |
| 17 | Keystone Funding | A | 13 | 9 | 7.7% | 5.99% |
| 18 | Synovus Bank | D | 12 | 8 | 16.7% | 7.63% |
| 19 | DAS Acquisition Company | B | 12 | 9 | 0.0% | 6.63% |
| 20 | Fairway Independent Mortgage | B | 12 | 11 | 0.0% | 6.63% |
| 21 | Triad Financial Services | D | 12 | 0 | 33.3% | — |
| 22 | Guild Mortgage | A | 11 | 9 | 0.0% | 6.69% |
| 23 | Nationstar Mortgage | C | 10 | 6 | 30.0% | 6.12% |
| 24 | Broker Solutions | D | 10 | 1 | 20.0% | 7.25% |
| 25 | Southwest Stage Funding | F | 9 | 4 | 0.0% | 7.65% |
Best approval odds in Randolph County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 55 | 74.6% |
What Randolph County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Randolph County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 649 | 315 | 25.1% | 6.99% | $135,000 |
| 2024 | 759 | 365 | 23.3% | 6.88% | $145,000 |
| 2025 | 876 | 440 | 23.6% | 6.63% | $155,000 |
Frequently asked questions
23.6% of applications in Randolph County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 85 applications in 2025 and a denial rate of 48.2%.
The median mortgage application in Randolph County in 2025 was for $155,000; the median property value on originated loans was $255,000.