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refinance lenders · HMDA 2023–2025

Refinance lenders in Shelby County, Alabama

Fat Boy Data analyzed mortgage refinance activity in Shelby County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,474 applications were decided by 183 lenders between 2023 and 2025.

Shelby County at a glance

183Active lenders27 with 20+ decisions
79.3%Market approval rate1,963 of 2,474 decided
$225KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,816 loans funded

How Shelby County compares

Approval rate compared
Shelby County79.3%Alabama77.5%All 616 counties76.5%
Typical loan compared
Shelby County$225KAlabama$205KAll 616 counties$295K

What the data shows

Regions Bank made the most mortgage refinances in Shelby County, AL, 362 of them.

Union Home Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

Approval rate of all 27 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 35% approved of 40Lakeview Loan Servicing, LLC: 41% approved of 32Wells Fargo Bank, National Association: 64% approved of 22Newrez LLC: 64% approved of 28Mortgage Research Center, LLC: 68% approved of 37Citizens Bank, National Association: 73% approved of 22Milend, Inc.: 76% approved of 21Regions Bank: 76% approved of 523PNC Bank, National Association: 78% approved of 95Trustmark Bank: 78% approved of 37Cadence Bank: 79% approved of 70Rocket Mortgage, LLC: 79% approved of 104Synovus Bank: 79% approved of 34Renasant Bank: 81% approved of 62Planet Home Lending, LLC: 81% approved of 21Truist Bank: 82% approved of 22Bryant Bank: 83% approved of 29Central State Bank: 83% approved of 30Fairway Independent Mortgage Corporation: 85% approved of 20Pennymac Loan Services, LLC: 89% approved of 57United Wholesale Mortgage, LLC: 90% approved of 156Avadian: 90% approved of 51America's First: 92% approved of 87Nationstar Mortgage LLC: 96% approved of 24Village Capital & Investment LLC: 97% approved of 34Freedom Mortgage Corporation: 98% approved of 87Union Home Mortgage Corp.: 100% approved of 24

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Shelby County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank76%399 / 52391%$105K362
2United Wholesale Mortgage, LLCBroker only90%140 / 15696%$315K134
3Rocket Mortgage, LLC79%82 / 10495%$265K78
4PNC Bank, National Association78%74 / 9597%$135K72
5America's First92%80 / 8798%$105K78

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 178 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Shelby County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Shelby County

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Nearby markets

All lending in Shelby CountyCounty overviewRefinance across AlabamaStatewideJefferson CountyNearby county