Alabama One in Alabama vs the state
13.9%Denial rate-6.00 pts vs state
15.6%Decision denial rate-9.40 pts vs state
74.9%Origination rate+19.54 pts vs state
7.25%Median rate+0.75 pts vs state
1.18Rate spread (pts)+0.90 pts vs state
$88kMedian applicant income
514Loans originated
95Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 233 | 3.9% | 7.00% | #105 |
| 2024 | 367 | 276 | 15.3% | 6.75% | #99 |
| 2025 | 686 | 514 | 13.9% | 7.25% | #68 |
What Alabama One lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Alabama One applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 356 | 285 | 33 | 9.3% |
| Pickens County | 29 | 21 | 4 | 13.8% |
| Fayette County | 27 | 22 | 1 | 3.7% |
| Randolph County | 24 | 14 | 7 | 29.2% |
| Escambia County | 20 | 9 | 8 | 40.0% |
| Hale County | 17 | 12 | 2 | 11.8% |
| Cherokee County | 17 | 13 | 3 | 17.6% |
| Jefferson County | 16 | 8 | 5 | 31.3% |
| Mobile County | 14 | 8 | 5 | 35.7% |
| Bibb County | 14 | 12 | 2 | 14.3% |
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: 686 applications in 2025, of which 514 were originated and 95 denied.
13.9% of all applications, or 15.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Alabama One originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Alabama One'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