Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 115 | 15 | 41.7% | 9.77% |
| 2 | Triad Financial Services | D | 60 | 16 | 31.7% | 8.47% |
| 3 | Rocket Mortgage | C | 33 | 17 | 36.4% | 6.75% |
| 4 | Regions Bank | C | 21 | 10 | 33.3% | 6.81% |
| 5 | Vanderbilt Mortgage and Finance | F | 19 | 5 | 26.3% | 10.50% |
| 6 | Alabama One | D | 14 | 10 | 14.3% | 6.56% |
| 7 | FirstBank | C | 13 | 3 | 23.1% | 9.14% |
| 8 | Cadence Bank | B | 12 | 9 | 16.7% | 6.75% |
| 9 | United Shore Financial Services | B | 10 | 7 | 0.0% | 5.63% |
| 10 | SmartBank | B | 10 | 10 | 0.0% | 7.19% |
| 11 | Renasant Bank | B | 10 | 7 | 10.0% | 6.75% |
| 12 | Freedom Mortgage | B | 9 | 4 | 0.0% | 6.50% |
| 13 | Southwest Stage Funding | F | 9 | 3 | 0.0% | 7.60% |
| 14 | Fairway Independent Mortgage | B | 8 | 3 | 37.5% | 6.50% |
| 15 | Mortgage Research Center | C | 8 | 4 | 37.5% | 6.69% |
| 16 | Pennymac Loan Services | C | 7 | 2 | 14.3% | 6.06% |
| 17 | Spring Eq | D | 7 | 2 | 57.1% | 9.24% |
| 18 | Tammac Holdings | D | 6 | 0 | 66.7% | — |
| 19 | Broker Solutions | D | 6 | 3 | 33.3% | 6.99% |
| 20 | AmeriSave Mortgage | D | 5 | 3 | 40.0% | 9.88% |
| 21 | Newrez | D | 5 | 1 | 0.0% | 6.38% |
| 22 | Trustmark National Bank | C | 5 | 2 | 20.0% | 6.44% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Triad Financial Services | 60 | 31.7% |
| 2 | 21st Mortgage | 63 | 76.2% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 392 | 139 | 37.2% | 7.63% | $95,000 |
| 2024 | 449 | 184 | 30.5% | 7.25% | $105,000 |
| 2025 | 510 | 205 | 26.9% | 6.81% | $125,000 |
Frequently asked questions
26.9% of applications in Washington County were denied in 2025, against 19.9% statewide in Alabama.
21st Mortgage, with 115 applications in 2025 and a denial rate of 41.7%.
The median mortgage application in Washington County in 2025 was for $125,000; the median property value on originated loans was $195,000.