Equity Prime Mortgage in Alabama vs the state
11.8%Denial rate-8.08 pts vs state
21.6%Decision denial rate-3.36 pts vs state
42.4%Origination rate-13.04 pts vs state
6.50%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.12 pts vs state
$73kMedian applicant income
313Loans originated
87Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 87 | 4.4% | 6.88% | #152 |
| 2024 | 229 | 116 | 4.4% | 6.88% | #132 |
| 2025 | 739 | 313 | 11.8% | 6.50% | #61 |
What Equity Prime Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 89 | 30 | 9 | 10.1% |
| Mobile County | 63 | 18 | 7 | 11.1% |
| Madison County | 57 | 21 | 7 | 12.3% |
| Tuscaloosa County | 55 | 17 | 13 | 23.6% |
| Baldwin County | 50 | 28 | 6 | 12.0% |
| Chambers County | 47 | 26 | 1 | 2.1% |
| Montgomery County | 35 | 13 | 3 | 8.6% |
| Shelby County | 23 | 7 | 2 | 8.7% |
| Houston County | 21 | 15 | 0 | 0.0% |
| Calhoun County | 21 | 12 | 2 | 9.5% |
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: 739 applications in 2025, of which 313 were originated and 87 denied.
11.8% of all applications, or 21.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Equity Prime Mortgage originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Equity Prime 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