APCO EMPLOYEES
APCO EMPLOYEES received 800 applications in 2025 and made 572 mortgages, in 91 counties across 4 states. The median rate its borrowers got was 6.000% on a median loan of $85,000. Of 791 decisions, 219 were denials — 27.7%, most often for credit history.
| Legal Entity Identifier | 549300WC15MLNUIZYR16 |
|---|---|
| Applications received | 800 |
| Mortgages made | 572 |
| Denied | 219 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 6 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | 5.750% | $275,000 | 13.1% |
| Refinancing | 20 | 5.125% | $370,000 | 47.4% |
| Cash-out refinancing | 36 | 5.750% | $225,000 | 26.5% |
| Other purposes | 443 | 6.000% | $65,000 | 28.5% |
Where APCO EMPLOYEES lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 122 | 6.000% | 29.1% |
| Shelby County, AL | 79 | 6.000% | 25.5% |
| Walker County, AL | 50 | 6.000% | 38.3% |
| Chilton County, AL | 33 | 6.000% | 31.3% |
| Mobile County, AL | 27 | 6.000% | 18.2% |
| Houston County, AL | 24 | 6.000% | 20.0% |
| Baldwin County, AL | 20 | 6.000% | 20.0% |
| St. Clair County, AL | 17 | 6.000% | 29.2% |
| Cullman County, AL | 13 | 6.000% | 7.1% |
| Henry County, GA | 10 | 6.000% | 23.1% |
| Henry County, AL | 9 | Under 10 loans | 35.7% |
| DeKalb County, GA | 9 | Under 10 loans | 18.2% |
| Harrison County, MS | 9 | Under 10 loans | 18.2% |
| Tuscaloosa County, AL | 7 | Under 10 loans | 41.7% |
| Blount County, AL | 6 | Under 10 loans | 33.3% |
| Lee County, AL | 6 | Under 10 loans | 25.0% |
| Cobb County, GA | 6 | Under 10 loans | 25.0% |
| Forsyth County, GA | 6 | Under 10 loans | 25.0% |
| Fulton County, GA | 6 | Under 10 loans | 25.0% |
| Barbour County, AL | 5 | Under 10 loans | 0.0% |
| Winston County, AL | 5 | Under 10 loans | 37.5% |
| Dale County, AL | 4 | Under 10 loans | 20.0% |
| Talladega County, AL | 4 | Under 10 loans | 20.0% |
| Fayette County, GA | 4 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 4 | Under 10 loans | 20.0% |
| Lauderdale County, MS | 4 | Under 10 loans | 0.0% |
| Calhoun County, AL | 3 | Under 10 loans | 0.0% |
| Coosa County, AL | 3 | Under 10 loans | 0.0% |
| Elmore County, AL | 3 | Under 10 loans | 25.0% |
| Geneva County, AL | 3 | Under 10 loans | 25.0% |
| Chatham County, GA | 3 | Under 10 loans | 25.0% |
| Jackson County, GA | 3 | Under 10 loans | 0.0% |
| Jackson County, MS | 3 | Under 10 loans | 40.0% |
| Clarke County, AL | 2 | Under 10 loans | 0.0% |
| Coffee County, AL | 2 | Under 10 loans | 33.3% |
| Etowah County, AL | 2 | Under 10 loans | 33.3% |
| Madison County, AL | 2 | Under 10 loans | 33.3% |
| Marshall County, AL | 2 | Under 10 loans | 33.3% |
| Montgomery County, AL | 2 | Under 10 loans | 66.7% |
| Morgan County, AL | 2 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 2 | Under 10 loans | 0.0% |
| Washington County, AL | 2 | Under 10 loans | 0.0% |
| Cherokee County, GA | 2 | Under 10 loans | 50.0% |
| Coweta County, GA | 2 | Under 10 loans | 33.3% |
| Effingham County, GA | 2 | Under 10 loans | 0.0% |
| Glynn County, GA | 2 | Under 10 loans | 0.0% |
| Hall County, GA | 2 | Under 10 loans | 0.0% |
| Oconee County, GA | 2 | Under 10 loans | 0.0% |
| Spalding County, GA | 2 | Under 10 loans | 0.0% |
| Hancock County, MS | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.