America'S First in Alabama vs the state
15.7%Denial rate-4.11 pts vs state
18.3%Decision denial rate-6.67 pts vs state
69.6%Origination rate+14.23 pts vs state
5.75%Median rate-0.75 pts vs state
-0.25Rate spread (pts)-0.54 pts vs state
$93kMedian applicant income
1,508Loans originated
341Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,358 | 1,674 | 13.7% | 6.00% | #16 |
| 2024 | 1,804 | 1,191 | 16.2% | 7.25% | #28 |
| 2025 | 2,166 | 1,508 | 15.7% | 5.75% | #25 |
What America'S First lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most America'S First applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,077 | 738 | 179 | 16.6% |
| Shelby County | 343 | 251 | 42 | 12.2% |
| St. Clair County | 167 | 108 | 28 | 16.8% |
| Cullman County | 100 | 82 | 10 | 10.0% |
| Talladega County | 87 | 54 | 19 | 21.8% |
| Mobile County | 70 | 56 | 5 | 7.1% |
| Calhoun County | 68 | 39 | 16 | 23.5% |
| Blount County | 64 | 52 | 7 | 10.9% |
| Tuscaloosa County | 40 | 29 | 8 | 20.0% |
| Walker County | 25 | 16 | 4 | 16.0% |
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: 2,166 applications in 2025, of which 1,508 were originated and 341 denied.
15.7% of all applications, or 18.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans America'S First originated in Alabama in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are America'S First'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