21st Mortgage in Alabama vs the state
46.0%Denial rate+26.13 pts vs state
68.8%Decision denial rate+43.83 pts vs state
19.6%Origination rate-35.81 pts vs state
9.98%Median rate+3.48 pts vs state
4.35Rate spread (pts)+4.06 pts vs state
$62kMedian applicant income
1,274Loans originated
2,992Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,397 | 1,265 | 45.9% | 9.30% | #4 |
| 2024 | 6,493 | 1,358 | 43.3% | 9.81% | #4 |
| 2025 | 6,507 | 1,274 | 46.0% | 9.98% | #5 |
What 21st Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 446 | 59 | 220 | 49.3% |
| Mobile County | 256 | 51 | 113 | 44.1% |
| Elmore County | 244 | 67 | 93 | 38.1% |
| Talladega County | 218 | 28 | 107 | 49.1% |
| Tuscaloosa County | 194 | 31 | 90 | 46.4% |
| Cullman County | 180 | 27 | 93 | 51.7% |
| Walker County | 168 | 44 | 66 | 39.3% |
| Jefferson County | 162 | 33 | 73 | 45.1% |
| Montgomery County | 159 | 15 | 91 | 57.2% |
| Chilton County | 155 | 38 | 70 | 45.2% |
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% |
| 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% |
| Trustmark National Bank | C | 3,443 | 10.3% | 6.50% |
Frequently asked questions
Alabama: 6,507 applications in 2025, of which 1,274 were originated and 2,992 denied.
46.0% of all applications, or 68.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans 21st Mortgage originated in Alabama in 2025 was 9.98%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage'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