Capital City Bank in Alabama vs the state
20.0%Denial rate+0.15 pts vs state
20.0%Decision denial rate-5.00 pts vs state
70.0%Origination rate+14.61 pts vs state
6.99%Median rate+0.49 pts vs state
-0.27Rate spread (pts)-0.56 pts vs state
$65kMedian applicant income
14Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 7 | 52.9% | 5.99% | #390 |
| 2024 | 19 | 14 | 26.3% | 6.99% | #386 |
| 2025 | 20 | 14 | 20.0% | 6.99% | #394 |
What Capital City Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Capital City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chambers County | 14 | 10 | 3 | 21.4% |
| Lee County | 3 | 1 | 1 | 33.3% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Randolph County | 1 | 1 | 0 | 0.0% |
| Tallapoosa 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: 20 applications in 2025, of which 14 were originated and 4 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Capital City Bank originated in Alabama in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Capital City Bank'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