EvaBank in Alabama vs the state
19.4%Denial rate-0.49 pts vs state
26.2%Decision denial rate+1.17 pts vs state
51.7%Origination rate-3.66 pts vs state
—Median rate
—Rate spread (pts)
$65kMedian applicant income
179Loans originated
67Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 495 | 221 | 28.1% | — | #70 |
| 2024 | 444 | 214 | 25.5% | — | #80 |
| 2025 | 346 | 179 | 19.4% | — | #106 |
What EvaBank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most EvaBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cullman County | 55 | 31 | 10 | 18.2% |
| Jefferson County | 38 | 20 | 7 | 18.4% |
| Morgan County | 36 | 20 | 4 | 11.1% |
| Madison County | 28 | 10 | 9 | 32.1% |
| Lawrence County | 26 | 10 | 6 | 23.1% |
| Marshall County | 21 | 10 | 5 | 23.8% |
| Blount County | 19 | 9 | 3 | 15.8% |
| Limestone County | 14 | 6 | 4 | 28.6% |
| Lauderdale County | 13 | 10 | 2 | 15.4% |
| Etowah County | 11 | 7 | 1 | 9.1% |
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: 346 applications in 2025, of which 179 were originated and 67 denied.
19.4% of all applications, or 26.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are EvaBank'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