Central State Bank in Alabama vs the state
4.5%Denial rate-15.39 pts vs state
4.5%Decision denial rate-20.54 pts vs state
87.3%Origination rate+31.87 pts vs state
—Median rate
—Rate spread (pts)
$115kMedian applicant income
137Loans originated
7Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 92 | 10.7% | — | #185 |
| 2024 | 91 | 80 | 5.5% | — | #225 |
| 2025 | 157 | 137 | 4.5% | — | #176 |
What Central State Bank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most Central State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 55 | 46 | 3 | 5.5% |
| Jefferson County | 28 | 25 | 1 | 3.6% |
| Chilton County | 20 | 18 | 1 | 5.0% |
| Tuscaloosa County | 15 | 15 | 0 | 0.0% |
| Tallapoosa County | 10 | 10 | 0 | 0.0% |
| Baldwin County | 5 | 4 | 1 | 20.0% |
| Walker County | 5 | 5 | 0 | 0.0% |
| Lee County | 3 | 3 | 0 | 0.0% |
| Winston County | 2 | 1 | 0 | 0.0% |
| Elmore County | 2 | 2 | 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: 157 applications in 2025, of which 137 were originated and 7 denied.
4.5% of all applications, or 4.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Central State 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