First Cahawba Bank in Alabama vs the state
18.9%Denial rate-0.93 pts vs state
20.3%Decision denial rate-4.71 pts vs state
74.3%Origination rate+18.93 pts vs state
—Median rate
—Rate spread (pts)
$100kMedian applicant income
55Loans originated
14Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 35 | 25.5% | — | #267 |
| 2024 | 63 | 44 | 14.3% | — | #263 |
| 2025 | 74 | 55 | 18.9% | — | #260 |
What First Cahawba Bank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most First Cahawba Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 22 | 10 | 10 | 45.5% |
| Baldwin County | 18 | 17 | 0 | 0.0% |
| Pike County | 8 | 6 | 1 | 12.5% |
| Calhoun County | 5 | 5 | 0 | 0.0% |
| Coffee County | 4 | 4 | 0 | 0.0% |
| Chilton County | 3 | 2 | 1 | 33.3% |
| Autauga County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Lee County | 2 | 1 | 1 | 50.0% |
| DeKalb County | 1 | 1 | 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: 74 applications in 2025, of which 55 were originated and 14 denied.
18.9% of all applications, or 20.3% 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 First Cahawba Bank'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