Emm Loans in Alabama vs the state
3.9%Denial rate-15.97 pts vs state
4.8%Decision denial rate-20.19 pts vs state
74.4%Origination rate+19.03 pts vs state
6.50%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.05 pts vs state
$88kMedian applicant income
96Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 72 | 3.5% | 6.50% | #183 |
| 2024 | 150 | 113 | 2.7% | 6.63% | #173 |
| 2025 | 129 | 96 | 3.9% | 6.50% | #200 |
What Emm Loans lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 61 | 50 | 2 | 3.3% |
| Tallapoosa County | 8 | 6 | 0 | 0.0% |
| Montgomery County | 8 | 7 | 0 | 0.0% |
| Mobile County | 6 | 4 | 1 | 16.7% |
| Baldwin County | 5 | 3 | 0 | 0.0% |
| Randolph County | 5 | 5 | 0 | 0.0% |
| Chambers County | 5 | 4 | 0 | 0.0% |
| Shelby County | 4 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 0 | 1 | 33.3% |
| Madison County | 2 | 2 | 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: 129 applications in 2025, of which 96 were originated and 5 denied.
3.9% of all applications, or 4.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Emm Loans originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Emm Loans'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