First Suncoast Trust BancShares in Alabama vs the state
4.6%Denial rate-15.30 pts vs state
4.6%Decision denial rate-20.38 pts vs state
93.9%Origination rate+38.55 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
62Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 50 | 45 | 8.0% | — | #279 |
| 2024 | 46 | 40 | 10.9% | — | #300 |
| 2025 | 66 | 62 | 4.6% | — | #275 |
What First Suncoast Trust BancShares lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most First Suncoast Trust BancShares applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Escambia County | 20 | 20 | 0 | 0.0% |
| Mobile County | 15 | 14 | 1 | 6.7% |
| Baldwin County | 14 | 13 | 1 | 7.1% |
| Monroe County | 11 | 10 | 1 | 9.1% |
| Conecuh County | 2 | 1 | 0 | 0.0% |
| Wilcox County | 1 | 1 | 0 | 0.0% |
| Tuscaloosa County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Clarke 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: 66 applications in 2025, of which 62 were originated and 3 denied.
4.6% of all applications, or 4.6% 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 Suncoast Trust BancShares'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