CSL Financial in Alabama vs the state
52.7%Denial rate+32.81 pts vs state
75.7%Decision denial rate+50.67 pts vs state
16.9%Origination rate-38.46 pts vs state
8.09%Median rate+1.59 pts vs state
2.16Rate spread (pts)+1.87 pts vs state
$61kMedian applicant income
137Loans originated
426Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 927 | 102 | 54.1% | 9.19% | #44 |
| 2024 | 1,033 | 151 | 55.4% | 8.89% | #48 |
| 2025 | 809 | 137 | 52.7% | 8.09% | #56 |
What CSL Financial lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 14 | 14 | 0 | 0.0% |
| Talladega County | 11 | 11 | 0 | 0.0% |
| Baldwin County | 9 | 9 | 0 | 0.0% |
| DeKalb County | 7 | 7 | 0 | 0.0% |
| Cullman County | 7 | 7 | 0 | 0.0% |
| Shelby County | 6 | 6 | 0 | 0.0% |
| St. Clair County | 6 | 6 | 0 | 0.0% |
| Etowah County | 6 | 6 | 0 | 0.0% |
| Morgan County | 5 | 5 | 0 | 0.0% |
| Clay County | 5 | 5 | 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: 809 applications in 2025, of which 137 were originated and 426 denied.
52.7% of all applications, or 75.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans CSL Financial originated in Alabama in 2025 was 8.09%, against a statewide median of 6.50%.
About this data. Figures are CSL Financial'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