CIS Financial Services in Alabama vs the state
3.4%Denial rate-16.46 pts vs state
3.5%Decision denial rate-21.49 pts vs state
93.2%Origination rate+37.83 pts vs state
6.63%Median rate+0.13 pts vs state
0.68Rate spread (pts)+0.40 pts vs state
$65kMedian applicant income
55Loans originated
2Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 764 | 291 | 27.4% | 7.75% | #53 |
| 2024 | 116 | 113 | 1.7% | 8.00% | #200 |
| 2025 | 59 | 55 | 3.4% | 6.63% | #286 |
What CIS Financial Services lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most CIS Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 14 | 13 | 0 | 0.0% |
| Walker County | 7 | 7 | 0 | 0.0% |
| Colbert County | 7 | 7 | 0 | 0.0% |
| Lauderdale County | 4 | 4 | 0 | 0.0% |
| Lawrence County | 4 | 3 | 1 | 25.0% |
| Tuscaloosa County | 3 | 3 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Macon County | 1 | 1 | 0 | 0.0% |
| Escambia 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: 59 applications in 2025, of which 55 were originated and 2 denied.
3.4% of all applications, or 3.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans CIS Financial Services originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are CIS 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