American Pacific Mortgage in Alabama vs the state
13.1%Denial rate-6.79 pts vs state
17.6%Decision denial rate-7.41 pts vs state
61.2%Origination rate+5.80 pts vs state
6.38%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.14 pts vs state
$83kMedian applicant income
164Loans originated
35Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 93 | 6.9% | 6.88% | #165 |
| 2024 | 118 | 74 | 6.8% | 6.99% | #196 |
| 2025 | 268 | 164 | 13.1% | 6.38% | #133 |
What American Pacific Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 41 | 28 | 8 | 19.5% |
| Baldwin County | 27 | 10 | 9 | 33.3% |
| Lee County | 22 | 11 | 3 | 13.6% |
| Madison County | 19 | 10 | 1 | 5.3% |
| Russell County | 19 | 11 | 1 | 5.3% |
| Shelby County | 19 | 16 | 0 | 0.0% |
| Houston County | 13 | 6 | 3 | 23.1% |
| Etowah County | 10 | 7 | 2 | 20.0% |
| St. Clair County | 8 | 7 | 1 | 12.5% |
| Cherokee County | 7 | 5 | 1 | 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: 268 applications in 2025, of which 164 were originated and 35 denied.
13.1% of all applications, or 17.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans American Pacific Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are American Pacific Mortgage'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