American Financial Resources in Alabama vs the state
10.7%Denial rate-9.16 pts vs state
13.9%Decision denial rate-11.07 pts vs state
66.0%Origination rate+10.65 pts vs state
6.25%Median rate-0.25 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$78kMedian applicant income
210Loans originated
34Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 168 | 86 | 15.5% | 6.75% | #144 |
| 2024 | 248 | 161 | 8.1% | 6.63% | #119 |
| 2025 | 318 | 210 | 10.7% | 6.25% | #116 |
What American Financial Resources lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 37 | 26 | 0 | 0.0% |
| Houston County | 31 | 21 | 4 | 12.9% |
| Baldwin County | 25 | 20 | 2 | 8.0% |
| Jefferson County | 20 | 12 | 3 | 15.0% |
| Madison County | 20 | 14 | 1 | 5.0% |
| Dale County | 18 | 13 | 1 | 5.6% |
| Calhoun County | 10 | 4 | 1 | 10.0% |
| Geneva County | 9 | 7 | 1 | 11.1% |
| Coffee County | 9 | 7 | 1 | 11.1% |
| Henry County | 9 | 4 | 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: 318 applications in 2025, of which 210 were originated and 34 denied.
10.7% of all applications, or 13.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans American Financial Resources originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are American Financial Resources'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