American Heritage Lending in Alabama vs the state
3.2%Denial rate-16.69 pts vs state
4.5%Decision denial rate-20.54 pts vs state
55.7%Origination rate+0.31 pts vs state
7.38%Median rate+0.88 pts vs state
1.63Rate spread (pts)+1.34 pts vs state
$211kMedian applicant income
88Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 40 | 5.5% | 8.63% | #242 |
| 2024 | 96 | 45 | 11.5% | 7.63% | #220 |
| 2025 | 158 | 88 | 3.2% | 7.38% | #175 |
What American Heritage Lending lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 49 | 27 | 0 | 0.0% |
| Montgomery County | 44 | 26 | 1 | 2.3% |
| Madison County | 14 | 8 | 1 | 7.1% |
| Baldwin County | 8 | 6 | 0 | 0.0% |
| Calhoun County | 5 | 1 | 0 | 0.0% |
| Escambia County | 4 | 3 | 0 | 0.0% |
| Morgan County | 3 | 2 | 0 | 0.0% |
| Chambers County | 3 | 3 | 0 | 0.0% |
| Tuscaloosa County | 3 | 1 | 1 | 33.3% |
| Macon County | 3 | 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: 158 applications in 2025, of which 88 were originated and 5 denied.
3.2% of all applications, or 4.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans American Heritage Lending originated in Alabama in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are American Heritage Lending'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