First Community Mortgage in Alabama vs the state
7.1%Denial rate-12.71 pts vs state
7.6%Decision denial rate-17.40 pts vs state
76.9%Origination rate+21.47 pts vs state
6.38%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.11 pts vs state
$81kMedian applicant income
495Loans originated
46Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 442 | 353 | 6.6% | 6.75% | #77 |
| 2024 | 486 | 415 | 6.4% | 6.50% | #77 |
| 2025 | 644 | 495 | 7.1% | 6.38% | #72 |
What First Community Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 119 | 99 | 6 | 5.0% |
| Mobile County | 48 | 33 | 5 | 10.4% |
| Jefferson County | 41 | 32 | 1 | 2.4% |
| Tallapoosa County | 36 | 21 | 10 | 27.8% |
| Limestone County | 30 | 27 | 2 | 6.7% |
| Marshall County | 29 | 28 | 0 | 0.0% |
| Shelby County | 28 | 18 | 1 | 3.6% |
| Calhoun County | 26 | 23 | 0 | 0.0% |
| Lauderdale County | 25 | 19 | 3 | 12.0% |
| Tuscaloosa County | 24 | 20 | 1 | 4.2% |
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: 644 applications in 2025, of which 495 were originated and 46 denied.
7.1% of all applications, or 7.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First Community Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First Community 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