Avadian in Alabama vs the state
18.1%Denial rate-1.74 pts vs state
19.0%Decision denial rate-6.00 pts vs state
75.9%Origination rate+20.46 pts vs state
4.99%Median rate-1.51 pts vs state
-2.21Rate spread (pts)-2.50 pts vs state
$104kMedian applicant income
1,005Loans originated
240Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,313 | 1,047 | 12.7% | 5.75% | #31 |
| 2024 | 1,353 | 1,004 | 19.0% | 5.99% | #34 |
| 2025 | 1,325 | 1,005 | 18.1% | 4.99% | #40 |
What Avadian lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Avadian applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 458 | 330 | 99 | 21.6% |
| Shelby County | 336 | 284 | 43 | 12.8% |
| Madison County | 130 | 98 | 23 | 17.7% |
| Houston County | 78 | 58 | 14 | 17.9% |
| St. Clair County | 41 | 33 | 6 | 14.6% |
| Limestone County | 35 | 28 | 6 | 17.1% |
| Mobile County | 32 | 23 | 4 | 12.5% |
| Geneva County | 27 | 19 | 5 | 18.5% |
| Tuscaloosa County | 21 | 15 | 4 | 19.0% |
| Blount County | 16 | 14 | 1 | 6.3% |
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: 1,325 applications in 2025, of which 1,005 were originated and 240 denied.
18.1% of all applications, or 19.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Avadian originated in Alabama in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are Avadian'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