Apco Employees in Alabama vs the state
28.0%Denial rate+8.14 pts vs state
28.3%Decision denial rate+3.29 pts vs state
71.0%Origination rate+15.56 pts vs state
6.00%Median rate-0.50 pts vs state
6.00Rate spread (pts)+5.71 pts vs state
$130kMedian applicant income
469Loans originated
185Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 759 | 555 | 25.2% | 6.00% | #54 |
| 2024 | 595 | 419 | 28.1% | 6.25% | #67 |
| 2025 | 661 | 469 | 28.0% | 6.00% | #71 |
What Apco Employees lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Apco Employees applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 173 | 122 | 50 | 28.9% |
| Shelby County | 108 | 79 | 27 | 25.0% |
| Walker County | 81 | 50 | 31 | 38.3% |
| Chilton County | 48 | 33 | 15 | 31.3% |
| Mobile County | 33 | 27 | 6 | 18.2% |
| Houston County | 30 | 24 | 6 | 20.0% |
| Baldwin County | 26 | 20 | 5 | 19.2% |
| St. Clair County | 24 | 17 | 7 | 29.2% |
| Cullman County | 14 | 13 | 1 | 7.1% |
| Henry County | 14 | 9 | 5 | 35.7% |
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: 661 applications in 2025, of which 469 were originated and 185 denied.
28.0% of all applications, or 28.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Apco Employees originated in Alabama in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Apco Employees'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