Click n' Close in Alabama vs the state
7.6%Denial rate-12.30 pts vs state
12.2%Decision denial rate-12.79 pts vs state
52.8%Origination rate-2.56 pts vs state
6.99%Median rate+0.49 pts vs state
2.26Rate spread (pts)+1.97 pts vs state
$74kMedian applicant income
112Loans originated
16Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 136 | 2.7% | 7.13% | #120 |
| 2024 | 242 | 123 | 5.0% | 7.13% | #121 |
| 2025 | 212 | 112 | 7.6% | 6.99% | #151 |
What Click n' Close lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 43 | 25 | 0 | 0.0% |
| Baldwin County | 33 | 19 | 5 | 15.2% |
| Mobile County | 30 | 14 | 5 | 16.7% |
| Limestone County | 11 | 2 | 0 | 0.0% |
| Madison County | 11 | 7 | 1 | 9.1% |
| Tallapoosa County | 10 | 4 | 2 | 20.0% |
| Montgomery County | 9 | 4 | 1 | 11.1% |
| Calhoun County | 9 | 6 | 0 | 0.0% |
| Shelby County | 8 | 6 | 0 | 0.0% |
| Talladega County | 5 | 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: 212 applications in 2025, of which 112 were originated and 16 denied.
7.6% of all applications, or 12.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Click n' Close originated in Alabama in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Click n' Close'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