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Talladega County, Alabama · 2025

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

242 lenders acted on 3,112 mortgage applications for properties in Talladega County in 2025. 25.7% were denied (Alabama: 19.9%). Median rate on closed loans 6.49%; median loan $145,000; median property value $215,000.

3.1kApplications
25.7%Denial ratestate 19.9%
6.49%Median ratestate 6.50%
$145,000Median loan
$215,000Median property value

Largest lenders in Talladega County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 25627 48.4%9.75%
2 21st Mortgage F 21828 49.1%10.56%
3 Moria Development B 155117 1.9%6.00%
4 Regions Bank C 14949 53.0%4.99%
5 Rocket Mortgage C 13087 22.3%6.75%
6 Triad Financial Services D 10428 36.5%8.80%
7 United Shore Financial Services B 9061 15.6%5.99%
8 America'S First B 8754 21.8%5.75%
9 Mortgage Research Center C 8330 25.3%6.44%
10 FirstBank C 8127 34.6%8.34%
11 Lennar Mortgage A 7143 11.3%5.25%
12 First Bank of Alabama B 6047 8.3%—
13 Fairway Independent Mortgage B 4846 0.0%6.25%
14 Lendlo Mortgage A 4830 4.2%5.81%
15 Freedom Mortgage B 4721 21.3%6.25%
16 Loandepot.Com D 4020 30.0%6.69%
17 Newrez D 3918 15.4%6.44%
18 AmeriSave Mortgage D 387 73.7%8.75%
19 Broker Solutions D 378 21.6%6.56%
20 Navy Federal Credit Union D 3412 26.5%6.50%
21 Southwest Stage Funding F 346 2.9%9.88%
22 Movement Mortgage A 3116 12.9%6.53%
23 PNC Bank D 3013 43.3%7.55%
24 Pennymac Loan Services C 2911 34.5%6.25%
25 New Day Financial F 294 31.0%6.49%

Best approval odds in Talladega County

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

#LenderDecidedDecision denial rate
1Moria Development1202.5%
2First Bank of Alabama608.3%
3Lennar Mortgage5115.7%
4United Shore Financial Services7917.7%
5Rocket Mortgage11924.4%
6America'S First7326.0%
7FirstBank8134.6%
8Triad Financial Services10436.5%
9Mortgage Research Center5240.4%
10Regions Bank13658.1%

What Talladega County borrowers applied for

By loan purpose

Home purchase 1,854 60% · 22.7% denied
Refinance 327 11% · 19.3% denied
Cash-out refinance 480 15% · 30.6% denied
Home improvement 209 7% · 40.2% denied
Other / HELOC 242 8% · 35.5% denied

By loan type

Conventional 2,002 64% · 29.8% denied
FHA 694 22% · 19.5% denied
VA 294 9% · 17.7% denied
USDA / RHS 122 4% · 13.1% denied

Why applications were denied

Credit history 362 46%
Debt-to-income ratio 163 21%
Collateral 100 13%
Incomplete application 59 7%
Unverifiable information 43 5%
Other 41 5%
Insufficient cash 13 2%
Employment history 9 1%
Mortgage insurance denied 2 0%

Talladega County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,6191,14629.4%6.99%$125,000
20242,9121,35926.8%6.75%$135,000
20253,1121,45225.7%6.49%$145,000

Frequently asked questions

25.7% of applications in Talladega County were denied in 2025, against 19.9% statewide in Alabama.

Vanderbilt Mortgage and Finance, with 256 applications in 2025 and a denial rate of 48.4%.

The median mortgage application in Talladega County in 2025 was for $145,000; the median property value on originated loans was $215,000.