Colorado Federal Savings Bank in Alabama vs the state
4.3%Denial rate-15.57 pts vs state
5.2%Decision denial rate-19.81 pts vs state
77.8%Origination rate+22.43 pts vs state
6.38%Median rate-0.13 pts vs state
-0.07Rate spread (pts)-0.36 pts vs state
$113kMedian applicant income
200Loans originated
11Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 147 | 120 | 6.1% | 6.50% | #160 |
| 2024 | 204 | 158 | 4.9% | 6.50% | #145 |
| 2025 | 257 | 200 | 4.3% | 6.38% | #134 |
What Colorado Federal Savings Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Colorado Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 113 | 93 | 3 | 2.7% |
| Jefferson County | 25 | 20 | 2 | 8.0% |
| Cullman County | 20 | 15 | 0 | 0.0% |
| Limestone County | 18 | 15 | 1 | 5.6% |
| Tuscaloosa County | 16 | 12 | 0 | 0.0% |
| Shelby County | 12 | 9 | 1 | 8.3% |
| Mobile County | 10 | 4 | 1 | 10.0% |
| Lee County | 8 | 7 | 0 | 0.0% |
| Morgan County | 6 | 3 | 1 | 16.7% |
| Baldwin County | 5 | 2 | 1 | 20.0% |
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: 257 applications in 2025, of which 200 were originated and 11 denied.
4.3% of all applications, or 5.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Colorado Federal Savings Bank originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Colorado Federal Savings 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