Find a better mortgage lender

St. Clair County, Alabama · 2025

Mortgage lenders in St. Clair County, AL: denial rates and top lenders (2025)

268 lenders acted on 4,675 mortgage applications for properties in St. Clair County in 2025. 18.3% were denied (Alabama: 19.9%). Median rate on closed loans 6.49%; median loan $195,000; median property value $285,000.

4.7kApplications
18.3%Denial ratestate 19.9%
6.49%Median ratestate 6.50%
$195,000Median loan
$285,000Median property value

Largest lenders in St. Clair County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Regions Bank C 233121 36.1%4.99%
2 Vanderbilt Mortgage and Finance F 23234 43.5%9.50%
3 Rocket Mortgage C 214155 18.7%6.75%
4 United Shore Financial Services B 198152 8.1%6.11%
5 Dhi Mortgage Company B 180111 13.9%4.99%
6 America'S First B 167108 16.8%5.75%
7 21st Mortgage F 14337 33.6%9.88%
8 Metro Bank B 116105 4.3%—
9 Freedom Mortgage B 11251 8.9%5.88%
10 SouthPoint Bank B 11183 5.4%6.25%
11 Mortgage Research Center C 9143 19.8%6.25%
12 FirstBank C 9041 36.7%6.75%
13 Pennymac Loan Services C 8544 11.8%6.44%
14 Fairway Independent Mortgage B 8264 2.4%6.49%
15 Triad Financial Services D 7828 33.3%8.52%
16 Guild Mortgage A 7436 6.8%6.50%
17 Loandepot.Com D 7447 20.3%6.49%
18 Newrez D 7331 16.4%6.25%
19 Lendlo Mortgage A 6854 0.0%5.75%
20 PNC Bank D 6739 28.4%8.10%
21 Stockton Mortgage D 5942 5.1%6.75%
22 Fbc Mortgage B 5950 1.7%6.25%
23 Cadence Bank B 5839 17.2%6.50%
24 Broker Solutions D 5316 9.4%6.63%
25 Canopy Mortgage B 5037 0.0%5.99%

Best approval odds in St. Clair County

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

#LenderDecidedDecision denial rate
1Lendlo Mortgage540.0%
2Fbc Mortgage512.0%
3Fairway Independent Mortgage663.0%
4Metro Bank1164.3%
5SouthPoint Bank916.6%
6United Shore Financial Services1739.3%
7Freedom Mortgage7313.7%
8Pennymac Loan Services5518.2%
9Dhi Mortgage Company13718.3%
10Cadence Bank5020.0%

What St. Clair County borrowers applied for

By loan purpose

Home purchase 2,537 54% · 14.0% denied
Refinance 637 14% · 11.3% denied
Cash-out refinance 712 15% · 25.3% denied
Home improvement 320 7% · 26.6% denied
Other / HELOC 469 10% · 34.5% denied

By loan type

Conventional 2,991 64% · 21.1% denied
FHA 1,060 23% · 13.9% denied
VA 523 11% · 11.5% denied
USDA / RHS 101 2% · 13.9% denied

Why applications were denied

Credit history 287 34%
Debt-to-income ratio 212 25%
Collateral 112 13%
Incomplete application 100 12%
Other 58 7%
Unverifiable information 57 7%
Insufficient cash 14 2%
Employment history 7 1%

St. Clair County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,8822,17719.9%6.63%$165,000
20244,3202,44819.8%6.63%$175,000
20254,6752,68918.3%6.49%$195,000

Frequently asked questions

18.3% of applications in St. Clair County were denied in 2025, against 19.9% statewide in Alabama.

Regions Bank, with 233 applications in 2025 and a denial rate of 36.1%.

The median mortgage application in St. Clair County in 2025 was for $195,000; the median property value on originated loans was $285,000.