First Horizon Bank in Alabama vs the state
15.2%Denial rate-4.66 pts vs state
17.1%Decision denial rate-7.86 pts vs state
72.6%Origination rate+17.17 pts vs state
6.75%Median rate+0.25 pts vs state
0.31Rate spread (pts)+0.02 pts vs state
$187kMedian applicant income
320Loans originated
67Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 592 | 394 | 19.1% | 6.38% | #64 |
| 2024 | 422 | 298 | 13.7% | 6.75% | #85 |
| 2025 | 441 | 320 | 15.2% | 6.75% | #91 |
What First Horizon Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Horizon Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 139 | 97 | 30 | 21.6% |
| Baldwin County | 111 | 87 | 14 | 12.6% |
| Mobile County | 57 | 46 | 3 | 5.3% |
| Shelby County | 36 | 21 | 9 | 25.0% |
| Madison County | 30 | 23 | 3 | 10.0% |
| Limestone County | 7 | 4 | 0 | 0.0% |
| Morgan County | 7 | 6 | 0 | 0.0% |
| Blount County | 5 | 1 | 1 | 20.0% |
| Tuscaloosa County | 5 | 4 | 0 | 0.0% |
| Lauderdale County | 5 | 2 | 1 | 20.0% |
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: 441 applications in 2025, of which 320 were originated and 67 denied.
15.2% of all applications, or 17.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First Horizon Bank originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are First Horizon 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