Fbc Mortgage in Alabama vs the state
2.8%Denial rate-17.06 pts vs state
3.3%Decision denial rate-21.68 pts vs state
81.0%Origination rate+25.57 pts vs state
6.13%Median rate-0.38 pts vs state
0.02Rate spread (pts)-0.27 pts vs state
$98kMedian applicant income
319Loans originated
11Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 387 | 289 | 2.3% | 6.49% | #87 |
| 2024 | 424 | 343 | 1.7% | 6.13% | #84 |
| 2025 | 394 | 319 | 2.8% | 6.13% | #100 |
What Fbc Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Fbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 142 | 118 | 4 | 2.8% |
| Jefferson County | 68 | 54 | 0 | 0.0% |
| St. Clair County | 59 | 50 | 1 | 1.7% |
| Madison County | 33 | 25 | 2 | 6.1% |
| Limestone County | 24 | 20 | 1 | 4.2% |
| Baldwin County | 17 | 14 | 1 | 5.9% |
| Mobile County | 12 | 10 | 0 | 0.0% |
| Talladega County | 10 | 8 | 0 | 0.0% |
| Tuscaloosa County | 6 | 6 | 0 | 0.0% |
| Montgomery County | 5 | 3 | 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: 394 applications in 2025, of which 319 were originated and 11 denied.
2.8% of all applications, or 3.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Fbc Mortgage originated in Alabama in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Fbc 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