American Financial Network in Alabama vs the state
17.3%Denial rate-2.53 pts vs state
23.9%Decision denial rate-1.09 pts vs state
54.3%Origination rate-1.06 pts vs state
7.00%Median rate+0.50 pts vs state
1.19Rate spread (pts)+0.91 pts vs state
$77kMedian applicant income
138Loans originated
44Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 174 | 7.8% | 7.13% | #97 |
| 2024 | 271 | 141 | 11.4% | 7.50% | #115 |
| 2025 | 254 | 138 | 17.3% | 7.00% | #135 |
What American Financial Network lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 50 | 16 | 9 | 18.0% |
| Baldwin County | 42 | 33 | 1 | 2.4% |
| Mobile County | 39 | 22 | 11 | 28.2% |
| Montgomery County | 20 | 9 | 2 | 10.0% |
| Madison County | 18 | 10 | 3 | 16.7% |
| Shelby County | 9 | 5 | 0 | 0.0% |
| Morgan County | 8 | 4 | 4 | 50.0% |
| Tuscaloosa County | 8 | 3 | 3 | 37.5% |
| Calhoun County | 6 | 3 | 2 | 33.3% |
| Limestone County | 5 | 2 | 2 | 40.0% |
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: 254 applications in 2025, of which 138 were originated and 44 denied.
17.3% of all applications, or 23.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans American Financial Network originated in Alabama in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are American Financial Network'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