First South Farm Credit, ACA in Alabama vs the state
9.6%Denial rate-10.23 pts vs state
11.2%Decision denial rate-13.76 pts vs state
76.0%Origination rate+20.57 pts vs state
7.63%Median rate+1.13 pts vs state
1.40Rate spread (pts)+1.11 pts vs state
$193kMedian applicant income
79Loans originated
10Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 44 | 13.4% | 8.42% | #251 |
| 2024 | 82 | 61 | 14.6% | 8.01% | #238 |
| 2025 | 104 | 79 | 9.6% | 7.63% | #226 |
What First South Farm Credit, ACA lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First South Farm Credit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dale County | 9 | 8 | 0 | 0.0% |
| Lee County | 8 | 7 | 0 | 0.0% |
| Houston County | 5 | 5 | 0 | 0.0% |
| Lawrence County | 5 | 3 | 1 | 20.0% |
| Tuscaloosa County | 5 | 3 | 0 | 0.0% |
| Cullman County | 4 | 2 | 1 | 25.0% |
| Coffee County | 4 | 2 | 2 | 50.0% |
| Tallapoosa County | 4 | 2 | 1 | 25.0% |
| Covington County | 3 | 2 | 1 | 33.3% |
| Autauga County | 3 | 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: 104 applications in 2025, of which 79 were originated and 10 denied.
9.6% of all applications, or 11.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First South Farm Credit, ACA originated in Alabama in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are First South Farm Credit, ACA'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