Largest lenders in Madison County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 80 | 17 | 48.8% | 8.83% |
| 2 | Triad Financial Services | D | 66 | 7 | 47.0% | 10.82% |
| 3 | Vanderbilt Mortgage and Finance | F | 46 | 14 | 43.5% | 9.87% |
| 4 | First National Bank of Huntsville | A | 27 | 25 | 3.7% | — |
| 5 | Credit Human Federal Credit Union | D | 26 | 0 | 92.3% | — |
| 6 | Rocket Mortgage | C | 22 | 13 | 36.4% | 6.38% |
| 7 | Prosperity Bank | D | 20 | 6 | 30.0% | 6.56% |
| 8 | United Shore Financial Services | B | 15 | 13 | 6.7% | 6.00% |
| 9 | Tammac Holdings | D | 11 | 0 | 63.6% | — |
| 10 | Southwest Stage Funding | F | 11 | 1 | 18.2% | 7.50% |
| 11 | FirstBank | C | 8 | 2 | 75.0% | 8.72% |
| 12 | Freedom Mortgage | B | 8 | 5 | 0.0% | 6.25% |
| 13 | Lakeview Loan Servicing | C | 7 | 1 | 28.6% | 5.63% |
| 14 | CMG Mortgage | A | 7 | 2 | 28.6% | 6.49% |
| 15 | Pilgrim Mortgage | A | 5 | 4 | 0.0% | 6.63% |
| 16 | Mortgage Research Center | C | 5 | 1 | 40.0% | 6.75% |
| 17 | Navy Federal Credit Union | D | 5 | 0 | 40.0% | — |
Best approval odds in Madison 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 | 66 | 47.0% |
| 2 | 21st Mortgage | 58 | 67.2% |
What Madison County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Madison County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 341 | 132 | 37.0% | 7.13% | $145,000 |
| 2024 | 332 | 130 | 34.9% | 7.00% | $150,000 |
| 2025 | 502 | 178 | 36.9% | 6.88% | $165,000 |
Frequently asked questions
36.9% of applications in Madison County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 80 applications in 2025 and a denial rate of 48.8%.
The median mortgage application in Madison County in 2025 was for $165,000; the median property value on originated loans was $265,000.