Arc Home in Alabama vs the state
2.4%Denial rate-17.41 pts vs state
3.9%Decision denial rate-21.15 pts vs state
61.0%Origination rate+5.59 pts vs state
7.25%Median rate+0.75 pts vs state
0.96Rate spread (pts)+0.67 pts vs state
$153kMedian applicant income
25Loans originated
1Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 32 | 18.0% | 7.88% | #277 |
| 2024 | 43 | 31 | 4.7% | 7.63% | #312 |
| 2025 | 41 | 25 | 2.4% | 7.25% | #331 |
What Arc Home lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 23 | 14 | 0 | 0.0% |
| Mobile County | 8 | 5 | 1 | 12.5% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Madison County | 3 | 2 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 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: 41 applications in 2025, of which 25 were originated and 1 denied.
2.4% of all applications, or 3.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Arc Home originated in Alabama in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Arc Home'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