Alabama Central in Alabama vs the state
29.9%Denial rate+10.02 pts vs state
30.3%Decision denial rate+5.26 pts vs state
67.5%Origination rate+12.14 pts vs state
6.50%Median rate0.00 pts vs state
-0.11Rate spread (pts)-0.40 pts vs state
$96kMedian applicant income
52Loans originated
23Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 49 | 27.0% | 6.50% | #239 |
| 2024 | 58 | 34 | 34.5% | 7.13% | #274 |
| 2025 | 77 | 52 | 29.9% | 6.50% | #258 |
What Alabama Central lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Alabama Central applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lauderdale County | 23 | 15 | 8 | 34.8% |
| Colbert County | 17 | 14 | 2 | 11.8% |
| Franklin County | 10 | 6 | 4 | 40.0% |
| Jefferson County | 9 | 6 | 3 | 33.3% |
| Tuscaloosa County | 5 | 3 | 2 | 40.0% |
| St. Clair County | 3 | 2 | 1 | 33.3% |
| Morgan County | 3 | 3 | 0 | 0.0% |
| Cullman County | 2 | 1 | 1 | 50.0% |
| Mobile County | 1 | 0 | 1 | 100.0% |
| Talladega County | 1 | 1 | 0 | 0.0% |
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: 77 applications in 2025, of which 52 were originated and 23 denied.
29.9% of all applications, or 30.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Alabama Central originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Alabama Central'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