Everett Financial in Alabama vs the state
8.4%Denial rate-11.45 pts vs state
11.7%Decision denial rate-13.30 pts vs state
59.7%Origination rate+4.27 pts vs state
6.63%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.25 pts vs state
$86kMedian applicant income
142Loans originated
20Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 345 | 101 | 9.9% | 7.38% | #94 |
| 2024 | 236 | 167 | 4.7% | 6.88% | #125 |
| 2025 | 238 | 142 | 8.4% | 6.63% | #140 |
What Everett Financial lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 33 | 18 | 2 | 6.1% |
| Madison County | 31 | 23 | 2 | 6.5% |
| Mobile County | 27 | 14 | 4 | 14.8% |
| Baldwin County | 26 | 16 | 0 | 0.0% |
| St. Clair County | 16 | 8 | 6 | 37.5% |
| Blount County | 10 | 3 | 3 | 30.0% |
| Marshall County | 9 | 7 | 0 | 0.0% |
| Limestone County | 8 | 5 | 1 | 12.5% |
| Lee County | 6 | 3 | 0 | 0.0% |
| Montgomery County | 6 | 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: 238 applications in 2025, of which 142 were originated and 20 denied.
8.4% of all applications, or 11.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Everett Financial originated in Alabama in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Everett 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