Consumer First Mortgage in Alabama vs the state
12.4%Denial rate-7.50 pts vs state
12.4%Decision denial rate-12.65 pts vs state
87.7%Origination rate+32.26 pts vs state
6.38%Median rate-0.13 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$76kMedian applicant income
142Loans originated
20Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 146 | 10.9% | 6.63% | #145 |
| 2024 | 238 | 153 | 8.0% | 6.63% | #124 |
| 2025 | 162 | 142 | 12.4% | 6.38% | #172 |
What Consumer First Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Consumer First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 16 | 14 | 2 | 12.5% |
| Colbert County | 13 | 12 | 1 | 7.7% |
| Jefferson County | 12 | 12 | 0 | 0.0% |
| Morgan County | 10 | 9 | 1 | 10.0% |
| Lauderdale County | 9 | 9 | 0 | 0.0% |
| Marion County | 8 | 8 | 0 | 0.0% |
| Lawrence County | 8 | 8 | 0 | 0.0% |
| Mobile County | 7 | 6 | 1 | 14.3% |
| Madison County | 6 | 4 | 2 | 33.3% |
| Talladega County | 6 | 3 | 3 | 50.0% |
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: 162 applications in 2025, of which 142 were originated and 20 denied.
12.4% of all applications, or 12.4% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Consumer First Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Consumer First Mortgage'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