Dhi Mortgage Company in Alabama vs the state
17.5%Denial rate-2.40 pts vs state
22.1%Decision denial rate-2.93 pts vs state
60.8%Origination rate+5.39 pts vs state
4.99%Median rate-1.51 pts vs state
-1.22Rate spread (pts)-1.50 pts vs state
$83kMedian applicant income
2,376Loans originated
682Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,051 | 2,258 | 8.6% | 5.50% | #12 |
| 2024 | 3,711 | 2,556 | 12.6% | 4.99% | #8 |
| 2025 | 3,909 | 2,376 | 17.5% | 4.99% | #8 |
What Dhi Mortgage Company lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Dhi Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 1,312 | 676 | 266 | 20.3% |
| Madison County | 442 | 312 | 33 | 7.5% |
| Mobile County | 441 | 303 | 69 | 15.6% |
| Shelby County | 341 | 239 | 56 | 16.4% |
| Tuscaloosa County | 293 | 177 | 62 | 21.2% |
| Jefferson County | 228 | 146 | 47 | 20.6% |
| Montgomery County | 189 | 99 | 52 | 27.5% |
| Limestone County | 188 | 132 | 16 | 8.5% |
| St. Clair County | 180 | 111 | 25 | 13.9% |
| Elmore County | 67 | 42 | 11 | 16.4% |
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% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
| Trustmark National Bank | C | 3,443 | 10.3% | 6.50% |
Frequently asked questions
Alabama: 3,909 applications in 2025, of which 2,376 were originated and 682 denied.
17.5% of all applications, or 22.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Dhi Mortgage Company originated in Alabama in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are Dhi Mortgage Company'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