Bpl Mortgage Trust in Alabama vs the state
10.7%Denial rate-9.14 pts vs state
11.4%Decision denial rate-13.65 pts vs state
66.5%Origination rate+11.12 pts vs state
7.50%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
292Loans originated
47Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 82 | 45 | 9.8% | 8.88% | #234 |
| 2024 | 271 | 220 | 6.3% | 7.75% | #114 |
| 2025 | 439 | 292 | 10.7% | 7.50% | #93 |
What Bpl Mortgage Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 227 | 170 | 30 | 13.2% |
| Montgomery County | 76 | 59 | 9 | 11.8% |
| Calhoun County | 53 | 1 | 3 | 5.7% |
| Mobile County | 23 | 17 | 1 | 4.3% |
| Madison County | 13 | 11 | 0 | 0.0% |
| Chilton County | 5 | 3 | 1 | 20.0% |
| Morgan County | 5 | 3 | 0 | 0.0% |
| Baldwin County | 5 | 4 | 0 | 0.0% |
| Tuscaloosa County | 4 | 3 | 0 | 0.0% |
| Macon County | 4 | 3 | 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: 439 applications in 2025, of which 292 were originated and 47 denied.
10.7% of all applications, or 11.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Bpl Mortgage Trust originated in Alabama in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Bpl Mortgage Trust'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