BankFirst Financial Services in Alabama vs the state
6.2%Denial rate-13.63 pts vs state
6.8%Decision denial rate-18.22 pts vs state
84.4%Origination rate+29.05 pts vs state
6.50%Median rate0.00 pts vs state
0.09Rate spread (pts)-0.20 pts vs state
$96kMedian applicant income
380Loans originated
28Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 476 | 374 | 7.1% | 6.88% | #72 |
| 2024 | 496 | 400 | 8.3% | 6.88% | #75 |
| 2025 | 450 | 380 | 6.2% | 6.50% | #90 |
What BankFirst Financial Services lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most BankFirst Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 198 | 179 | 3 | 1.5% |
| Winston County | 82 | 61 | 8 | 9.8% |
| Walker County | 27 | 21 | 4 | 14.8% |
| Pickens County | 26 | 22 | 3 | 11.5% |
| Fayette County | 25 | 21 | 3 | 12.0% |
| Marion County | 19 | 13 | 5 | 26.3% |
| Cullman County | 15 | 13 | 2 | 13.3% |
| Madison County | 13 | 11 | 0 | 0.0% |
| Baldwin County | 13 | 12 | 0 | 0.0% |
| Jefferson County | 8 | 6 | 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: 450 applications in 2025, of which 380 were originated and 28 denied.
6.2% of all applications, or 6.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans BankFirst Financial Services originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are BankFirst Financial Services'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