Commercial Lender in Alabama vs the state
83.3%Denial rate+63.48 pts vs state
87.8%Decision denial rate+62.79 pts vs state
11.6%Origination rate-43.80 pts vs state
11.74%Median rate+5.24 pts vs state
—Rate spread (pts)
—Median applicant income
16Loans originated
115Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 19 | 50.4% | 11.99% | #169 |
| 2024 | 166 | 26 | 47.0% | 11.82% | #159 |
| 2025 | 138 | 16 | 83.3% | 11.74% | #192 |
What Commercial Lender lends in Alabama
By loan purpose
By loan type
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: 138 applications in 2025, of which 16 were originated and 115 denied.
83.3% of all applications, or 87.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Commercial Lender originated in Alabama in 2025 was 11.74%, against a statewide median of 6.50%.
About this data. Figures are Commercial Lender'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