Largest lenders in Wilcox County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 73 | 8 | 57.5% | 11.12% |
| 2 | 21st Mortgage | F | 62 | 7 | 61.3% | 11.28% |
| 3 | United Bank | D | 16 | 5 | 25.0% | — |
| 4 | Triad Financial Services | D | 14 | 3 | 35.7% | 9.02% |
| 5 | Regions Bank | C | 11 | 7 | 36.4% | 6.88% |
| 6 | Rocket Mortgage | C | 9 | 4 | 22.2% | 6.50% |
| 7 | FirstBank | C | 8 | 3 | 50.0% | 9.89% |
| 8 | Broker Solutions | D | 8 | 3 | 0.0% | 7.25% |
| 9 | Trustmark National Bank | C | 7 | 5 | 0.0% | 5.75% |
| 10 | AmeriSave Mortgage | D | 6 | 3 | 50.0% | 7.99% |
Best approval odds in Wilcox 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 | 51 | 82.4% |
What Wilcox County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wilcox County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 187 | 43 | 50.8% | 7.75% | $95,000 |
| 2024 | 224 | 66 | 39.7% | 7.50% | $95,000 |
| 2025 | 278 | 76 | 39.6% | 7.28% | $95,000 |
Frequently asked questions
39.6% of applications in Wilcox County were denied in 2025, against 19.9% statewide in Alabama.
Vanderbilt Mortgage and Finance, with 73 applications in 2025 and a denial rate of 57.5%.
The median mortgage application in Wilcox County in 2025 was for $95,000; the median property value on originated loans was $165,000.