Atlanta Postal in Alabama vs the state
42.4%Denial rate+22.57 pts vs state
62.2%Decision denial rate+37.22 pts vs state
25.8%Origination rate-29.63 pts vs state
8.50%Median rate+2.00 pts vs state
1.38Rate spread (pts)+1.10 pts vs state
$100kMedian applicant income
17Loans originated
28Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 7 | 38.9% | 7.75% | #388 |
| 2024 | 36 | 16 | 27.8% | 9.00% | #329 |
| 2025 | 66 | 17 | 42.4% | 8.50% | #277 |
What Atlanta Postal lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Atlanta Postal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 2 | 2 | 28.6% |
| Lee County | 6 | 1 | 2 | 33.3% |
| Russell County | 6 | 3 | 3 | 50.0% |
| Tallapoosa County | 4 | 1 | 3 | 75.0% |
| Shelby County | 4 | 1 | 1 | 25.0% |
| DeKalb County | 4 | 0 | 0 | 0.0% |
| Winston County | 3 | 1 | 1 | 33.3% |
| Barbour County | 3 | 0 | 0 | 0.0% |
| Baldwin County | 2 | 0 | 2 | 100.0% |
| Calhoun County | 2 | 1 | 1 | 50.0% |
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: 66 applications in 2025, of which 17 were originated and 28 denied.
42.4% of all applications, or 62.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Atlanta Postal originated in Alabama in 2025 was 8.50%, against a statewide median of 6.50%.
About this data. Figures are Atlanta Postal'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