1st Signature Lending in Alabama vs the state
6.3%Denial rate-13.60 pts vs state
9.7%Decision denial rate-15.32 pts vs state
58.3%Origination rate+2.94 pts vs state
5.88%Median rate-0.63 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$80kMedian applicant income
28Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 24 | 15.0% | 6.75% | #301 |
| 2024 | 37 | 23 | 0.0% | 6.50% | #327 |
| 2025 | 48 | 28 | 6.3% | 5.88% | #318 |
What 1st Signature Lending lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 48 applications in 2025, of which 28 were originated and 3 denied.
6.3% of all applications, or 9.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans 1st Signature Lending originated in Alabama in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology